davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/year> First Point Collection Services Re : Cease and Desist Communication Request / Debt Validation Request ] Dear First Point Collection Services, I am writing to you regarding a phone call I received today, [ Insert Date ], at XXXX AM from your company using the number XXXX ( XXXX ) XXXX. If this communication is an attempt to collect a debt, I am formally requesting validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under this law, I request the following information be provided to me in writing : 1. The name and address of the original creditor.

2. A detailed statement of the account, including the amount of the debt and any interest, fees, or other charges.

3. Proot that you are legally authorized to collect on this alleged debt.

4. Documentation supporting the legitimacy of the debt, such as a signed agreement or contract.

Additionally, under 15 U.S.C. 1692c ( c ), I am requesting that all communication with me be ceased immediately unless it pertains to providing the requested information or advising me of specific legal actions. I do not wish to receive any further calls, written communication, or any form of contact from your office regarding this matter. 
Please be advised that failure to comply with these requests may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Thank you for your attention to this matter. I look forward to your prompt and complete response within the required time frame. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

I am writing to formally file a complaint against Chase Bank regarding inaccurate late payment reporting to the credit bureaus. 

Timeline of Events : Account Details : I have a credit card account with Chase Bank ( Account Number : [ redacted ] ). 

Payment History : I made a payment of {$150.00} on ( XX/XX/year> ) ( XX/XX/year> ) & ( XX/XX/year> ), which I believed to be on time and within the grace period as outlined in my account terms. 

Discrepancy : On XX/XX/year>, XX/XX/year> & XX/XX/year>, I received a notification from my credit monitoring service indicating that Chase Bank reported a late payment for the billing cycle ending at the end of each month payment was issued. This was surprising as I had made the payment on time. 

Actions Taken : I contacted Chase Bank customer service on [ insert date ] to dispute the late payment. During this call, I was informed that my payment was processed late due to a delay in processing, which I was not made aware of at the time of payment. 
I followed up with written correspondence via email to Chase Bank on XX/XX/year>, reiterating my dispute and providing evidence of my timely payment, including transaction confirmation. 
Despite these efforts, my credit report still reflects the late payment as of [ insert date ]. 
Impact : The inaccurate reporting has negatively affected my credit score and my ability to secure favorable loan terms. I believe that I fulfilled my payment obligations and that Chase Bank failed to process my payment accurately.

Resolution Requested : I request that Chase Bank correct the reporting to the credit bureaus to reflect my timely payment and remove any negative impact from my credit report. 

Thank you for your attention to this matter. I hope for a prompt resolution. 

Sincerely,
Consumer complaint received 2024-09-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (CA)

Re : Unpaid Toll Violation ( s ) Creditor : XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Toll Violation Number : XXXX Amount Due : {$230.00} I received a notice regarding unpaid toll violations for a vehicle I sold in XX/XX/XXXX to XXXX XXXX XXXX ( XXXX ) XXXX at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I submitted a new release of liability today, XX/XX/XXXX, since the new owner has not removed my responsibilities for the vehicle.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

Pertaining to the Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and i am the Consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information. '' CitiBank is a financial institution by definition under that Title. 15 USC 1681 Section 604 ( a ) Section 2 states that " In general Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to which it relates. '' CitiBank, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and CitiBank, whether it to be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CitiBank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which as against the law. 15 USC 1681 s-2 ( a ) ( 1 ) states, " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this Title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this Title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR Subsection 1016.7 states that, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Upon looking at my credit report I noticed that there was a late payment reported incorrectly for XXXXXXXX XXXX XXXX XXXX for XX/XX/year>. However, this information is inaccurate and should be corrected and reported as paid on time and never late=. I have never made a late payment with this company.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$120.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Thanks, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$13.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. 

Our investigation concluded an error occurred. On XXXX, the merchant issued credit in the amount of {$13.00}. We consider this credit permanent, and we reversed any applicable fees. 

We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. 

If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime XXXX XXXX XXXX amount {$410.00} date XXXX XXXX denied with any documents for their decision XXXX amount {$240.00} date XXXX XXXX denied with out documents of their decision
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AutoNation Enterprises Incorporated (TX)

XXXX XXXX XXXX/Auto Nation falsely advertised a vehicle online at $ XXXX, but the paperwork stated $ XXXX including a cash down payment. After reviewing my documents and studying the laws, I was misled into purchasing the car at a higher price than the one advertised. After discovering the discrepancy and falsified purchase agreement through signatures not of my own handwriting and accepting insurance not in agreement/requirement to even purchase the vehicle they just in fact wanted a sale, I attempted to rescind the contract and ask for the down payment of {$1500.00} to be refunded in XX/XX/XXXX due to deceptive practices. However, XXXX XXXX XXXXAuto Nation refused to acknowledge my rescission request. On XX/XX/XXXX, they repossessed my vehicle without notice, violating my rights. Those rights are as follows : XXXX. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601, 12 CFR 1026.19 ( e ) ( 2 ) - Failed to disclose credit terms accurately ( e.g., APR, finance charges ) - Failed to provide clear and conspicuous disclosures- Requested and accepted a down payment 2. Federal Trade Commission ( FTC ) Act - 15 U.S.C. 45 - Engaged in deceptive advertising ( false price ) - Failed to substantiate claims 3. Federal Trade Commission ( FTC ) Guidelines - 16 CFR 254 - Made false or misleading representations in advertising 4. Texas Deceptive Trade Practices-Consumer Protection Act - Tex. Bus. & Com. Code Ann. 17 et seq. - Engaged in false or misleading representations- Failed to disclose material facts 5. UCC 9-609 - Failure to provide pre-repossession notice - Failed to provide written notice of default and opportunity to cure 6. UCC 9-610 - Unauthorized repossession - Repossessed vehicle without borrower 's consent or court order 7. UCC 9-611 - Failure to provide post-repossession notice - Failed to provide written notice of repossession and sale 8. UCC 9-613- Disposition of collateral without notice - Sold or disposed of vehicle without notice to borrower. 9. 12 CFR 1026.17 - Failure to disclose credit terms- Failed to disclose credit terms, including APR and finance charges 10. 12 CFR 1026.18 - Failure to provide rescission notice - Failed to provide notice of right to rescind 11. Federal Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 - Engaged in harassment and false representations- Failed to provide validation of debt 12. Texas Finance Code - Tex. Fin. Code Ann. 392 et seq. - Engaged in unfair or deceptive practices in consumer transactions- Failed to disclose material facts
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (AZ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/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 XX/XX/XXXX XXXX  XXXX ( XXXX  ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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: Penn Credit Corporation (TX)

RE : CEASE AND DESIST FROM unlawfully reporting to credit bureaus and identity theft This letter serves as formal notice to you to immediately cease and desist from engaging in the following conduct : Unlawfully reporting to credit bureaus and illegally collecting my personal information. 
It has come to my attention that you have illegally collected my personal information and is reporting to multiple credit bureaus I have no knowledge of this debt. 
This conduct is unauthorized, unlawful, and damaging to me and/or my business. Your actions violate15 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 an account without my written instructions.

15 U.S.C 1692 c ( c ) ( 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 collector 's further efforts are being terminated ; and they must stop immediately. 
Should you fail to comply with this demand within 10 days, I will have no choice but to pursue all available legal remedies to protect my interests, including, but not limited to, seeking damages, injunctive relief, and/or filing a lawsuit. Be advised that this letter does not constitute a waiver of any rights or remedies, all of which are expressly reserved.

To avoid further action, I demand that you : 1. Immediately cease contact and illegal use of reporting my personal information.

2. Provide written assurance within 10 days that you will not engage in the conduct again. 
Failure to comply will leave me no choice but to escalate this matter further. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation (OH)

I am filing a formal complaint against Concord Servicing , LLC due to their inaccurate reporting of an account I noticed on my credit report on XX/XX/year>, and the failure of Concord Servicing to provide proper notification of any account transfer, sale, or name change as required by law. This issue has caused significant harm to my credit score and created confusion regarding where I should be making payments. The last time I paid for a credit report was in XX/XX/year> when a company by the name of XXXX XXXX XXXX was reporting to XXXX, and that information was inaccurate. The company that I make payments to is XXXX XXXX as it is documented on my bank statements. 

Details of the Complaint : 1. Inaccurate Reporting : A company named Concord Servicing , LLC has appeared on my credit report, yet I have no prior dealings with this company. I have been making payments to a different company, and no valid documentation has been provided to me regarding any sale, transfer, or assignment of this loan. 
2. Failure to Provide Proper Notification : Under 15 USC 1641 ( g ) of the Truth in Lending Act ( TILA ), a creditor is required to notify the borrower in writing within 30 days when a loan is sold, transferred, or assigned. I have not received any such notification from Concord Servicing , LLC or any other party. 
3. Failure to Notify of Servicing Transfer : If the servicing of the loan has been transferred, under the Real Estate Settlement Procedures Act ( RESPA ), both the previous and new servicer are required to notify me in writing of this transfer. I have not received any notice about the change of servicing rights. 
4. Inaccurate Credit Reporting : Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure maximum possible accuracy in reporting. The information provided by Concord Servicing, LLC is inaccurate and unverifiable, as I have not been informed of any change to my account and continue making payments to the previous servicer.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

Consumer Complaint Form Your Information : - Name : XXXX XXXX - Address : XXXX penrod - City : XXXX XXXX XXXX XXXX XXXX - Zip : XXXX - Phone : XXXX - Email : XXXX Company Information : - Company Name : XXXX XXXX XXXX Complaint Information : - Date of Incident : XX/XX/year> Description of Issue : On XX/XX/year>, I encountered an issue with XXXX XXXX XXXX XXXX ] regarding my automotive financing. Specifically : It shows a hard inquiry or Delete information
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (OH)

I have submitted my PSLF forms since XX/XX/year> when I hit XXXX payments. After making the final XXXX payment on XX/XX/year> I faxed XXXX of the forms initially because my employer is not able to use the online tool. I waited and called and requested updates during this time and was repeatedly told that they 1. Couldn't find the fax 2. Couldn't tell me if they received the fax 3. A combination of both. On XX/XX/XXXX, I filed a complaint Case # : XXXX. I received a standard boilerplate response that was a non answer and replied to that email without a response. I continued to update my forms and found a way to upload the file on their website in XX/XX/year>. They apparently did not receive this form and I was given the same reply about how they could not look it up or find it. Again in XXXX I submitted the form and this time on XX/XX/year> I received an email stating " XXXX! Your XXXX document was uploaded. '' I again submitted a complaint Case # : XXXX and still have not received a response to that. I received an email " XXXX needed for your XXXX form '' on XX/XX/year> - there was no information on the website. On XX/XX/year> I received an email " Public Service Loan Forgiveness ( PSLF ) [ Case # : XXXX ] '' that noted my XXXX application had a status of " closed incomplete. '' There was no further information available on the website. I called again on XX/XX/year> and was finally informed that they were not able to open my XXXX form or that it was not readable. So, I printed it, rescanned it and uploaded it again on XX/XX/year> and received an email " XXXX! Your XXXX document was uploaded. '' Again I called to follow up today XX/XX/year> and was told they can not tell me if they have actually received this form, if there are any issues with opening/reading it. So again I submitted the same form on XX/XX/year> with the same response email " XXXX! Your XXXX document was uploaded. '' I called again on XX/XX/year> when I received an update that showed my counts were still incorrect at XXXX counts. This time they told me that because I submitted it in XXXX that it was not correct and that the document probably did not upload even though I got an email that said success the same as the other times. They told me to go and do the same thing under XXXX XXXX and log into my account and then search for XXXX upload document and go to the first link and proceed through there to upload the document. I did so and received the same email again regarding " XXXX! ''