davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/year> Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Cease and Desist Notice Regarding Alleged Debt Account # XXXX Amount {$3800.00} To Whom It May Concern, I am writing to request that you and your company desist all collection activities related to the alleged debt referenced above, which is purportedly owed to your company. This request is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.

Based on the absence of a 1099-C form and the lack of validation of the debt in accordance with the FDCPA, I have serious concerns regarding the legal validity and necessity of continued collection efforts by your company. Without the proper documentation and compliance with the provisions of 15 USC 1602, I request that all collection activities cease immediately.

Therefore, according to my rights under the FDCPA and the legal requirements outlined in 15 USC 1602, I formally request that you and your company : Cease all communication with me and any third parties regarding the alleged debt, including but not limited to phone calls, letters, and any other form of contact Cease all collection activities, including reporting the alleged debt to credit bureaus or pursuing any legal action.

Refrain from any further assertion of the alleged debt until adequate documentation and compliance with 15 USC 1602 are provided to me.

I remind you that failure to comply with this request will be considered a violation of the FDCPA and may result in legal action. Please take this notice seriously and provide confirmation in writing that collection activities have ceased.

Please consider this letter as a formal demand for the cessation of all collection activities related to the alleged debt in question. No further communication or collection attempts should be made concerning this debt until the requested documentation and compliance with 15 USC 1602 are provided and the debt is validated under the FDCPA. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
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. (FL)

I CONTACTED EXPERIAN XXXX XXXX TO ADVISE THE FRAUDLENT ACCOUNTS ON MY CREDIT PROFILE. IVE CONTACTED THE COMPANIES AND HAVE NOT HEARD FROM XXXXXXXX XXXXXXXX EXPERIAN CLAIMS TO HAVE VERIFIED THE ACCOUNTS. WHERE ARE THE CONTRACTS AND AGREEMENTS .. WHAT METHOD WAS USED? I AM A VICTIM OF IDENTITY THEFT AND THEY ARE VIOLATING MY RIGHTS.
Consumer complaint received 2024-10-26
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NJ)

Dear CFPB Team, I am writing to formally dispute an issue regarding my credit report and payments related to my cell phone service provider. My company switched my cell phone service from XXXX to XXXX in XX/XX/XXXX. As part of this transition, I continued to pay XXXX for services rendered in XXXX and XX/XX/XXXX, even though my company also began paying XXXX in XXXX. 

Unfortunately, I lost access to my XXXX account during this transfer, which has complicated my situation further. To date, XXXX has not refunded the additional payments I made to them in XX/XX/XXXX. 

In XX/XX/XXXX, I received an alert indicating that I had an account in collections by Diversified ADJ SVC for {$190.00}. This was surprising to me as I have a 100 % pay history. I attempted to investigate this issue by reaching out to the XXXX major credit bureausXXXX, XXXX, and XXXX. While XXXX removed the negative report from my credit file, both XXXX and XXXX have not taken similar action. 

I am requesting your assistance in resolving this matter. I believe that my credit report should accurately reflect my payment history and the transition from XXXX to XXXX. I would appreciate your guidance on how to proceed and ensure that this issue is rectified. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
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: FC HoldCo LLC (TX)

In XXXX, I received numerous notifications from XXXX XXXX informing me that my credit had been ran by several businesses for auto finance. I did not request or complete any documentation for this. All of the inquires are below with dates. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Flagship Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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. 


XXXX EXPERIAN XXXX 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! 


Update the late payments from my consumer reports
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (VA)

Company contacted me on XX/XX/XXXX asking about charges. They were not mine, they closed the account and sent me a new card. They put the fraudulent charges on the new card on XX/XX/XXXX in the amount of {$2700.00}. XXXX being told it is sitting on my balance for months until it is investigated. They are reporting a higher credit balance to reporting agencies for charges that are not mine. Other credit card companies will remove the fraudulent charges while being investigated. I dont understand why I must carry a high credit balance when THEY called me about the card being compromised. Very bad business and customer support.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

Good day I previously wrote a complaint of equifax with the creditor XXXX XXXX requesting for the information to be removed from my credit. After reaching out to you they just updated my account as charge off,, transfer sold paid, for five yeas the account was and still under XXXX I sent in the police report to you alerting you of the Freud on the account and that XXXX XXXX was the second creditor and now I have a third party requsting that I contact them to make a payment for them now that the dept is to far long gone to sue I am requesting that you reach out to equifax to removethe dept under Freud of my account and they also drop my credit XXXX points for this I will also send the information that I have. And I never received a credit card from this company it was an installment loan so it shouldn't be say credit card cause I never had a card from this company.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Goodyear cancelled my credit card I still have a {$110000.00} credit & my current balance that I owe is {$1000.00}. They never notified as to why they canceled my card I had to call. Then they said they mailed me a paper which I never got and they said it was due to returned payments there has been 2 returned payments XX/XX/XXXX for {$600.00} XXXX picked the wrong bank account and then on XX/XX/XXXX I made a {$1500.00} payment, I also made a payment of {$300.00} on XX/XX/XXXX, {$120.00} on XXXX, {$220.00} on XXXX, and {$40.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX my next payment is not due until XX/XX/XXXX. The other returned payment of {$40.00} is on XX/XX/XXXX and I cancelled several payments because I already had those scheduled and since I made over the minium of {$39.00} payments I cancelled the others because I paid way over the {$40.00} amount. I have had this credit card for over 4yrs never had issues until now why? It is not right for them to do this when I have been a good costumer and I will not pay the remaining balance if they are just going to cancel my card with no good reason in doing so for XXXX returned payments that were sent to the wrong bank account I have 2 Fairwinds accounts and got confused!
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (WI)

I currently have a vehicle loan with Flagship Credit Acceptance. I am currently 33 days late behind on payments. I've been attempting to contact the company to get current on the loan and they are refusing to give me ANY information until I make current on the loan. I am refusing to pay on the phone with their current reps because I want to view my statements. The rep told me on the phone today that they are withholding access to my online portal and any statements until the loan is caught up. I am unable to access my current rate, the current calculation of interest, nothing. I have no idea how my payments are going to be applied. I just want access to my online portal. The vehicle was also purchased with admin ignition keys and the rep on the phone told me at time of the loan they would assist me, and I have not yet been helped.
Consumer complaint received 2024-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC. (NY)

In XX/XX/year>, I refinanced my student loan with SoFi, under a promotional offer that promised a {$500.00} bonus if I refinanced more than {$100000.00}. After two months of waiting and not receiving the bonus, I contacted SoFi on XX/XX/year>. At that time, SoFi confirmed in writing that I had completed all the necessary steps and that I would receive the bonus within XXXX business days. 

Despite this confirmation, I did not receive the bonus, and I contacted SoFi multiple times after that. Each time, I was given inconsistent responses, including on XX/XX/year>, when I was informed that a ticket had been submitted for my case. However, no clear resolution or bonus has been provided. 

In late XXXX, I contacted SoFi again, and this time I received a completely different response. I was told for the first time that I needed to complete a W-9 form, something that had never been mentioned in any of the previous communications. I immediately completed and submitted the form, but I have still not received the bonus. The delays, miscommunication, and failure to deliver the promised bonus have been highly frustrating. 

I am seeking immediate resolution and fulfillment of the {$500.00} bonus that was part of the original offer.
Consumer complaint received 2024-09-30
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. (FL)

in accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 

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
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have numerous times requested this item be removed from my credit report, because this item was purchased by a third-party debt collector, XXXX XXXX XXXX XXXX And it still has not been done yet. The amount of {$630.00} and the status is not correct, nor is it accurate. This account was paid for less than owed by the third-party debt collector. How much did the collection company pay for this item, I don't know and neither does my credit reflect such an amount This is clearly a violation of the FCRA, section 609 and 611. Therefore, this item must be deleted IMMEDIATELY. See attached docs. 

Also, I have submitted numerous times as far back 2023 verification of my full name. This still has not been corrected. My name is NOT XXXX XXXX XXXX It is XXXX XXXX XXXX. Please correct immediately. See attached SS card and Drivers License.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America is incorrectly showing an account as having a late payment for XX/XX/year>, and falsely sending that to the credit reporting agencies. This is in violation of the FCRA. This account has always been on AutoPay and has never been late. Since XXXX, I have reported this to the bank and it's going on 4 months now that they are not taking action, not returning calls, and not correctly the issue. They have even closed CFPB complaints saying that they issue is resolved, but then privately emailing me and saying they are still researching. This has cost me approximately {$10000.00} in increased costs due to higher loan rates tied to a lower credit score, that was only affected by this false information from the bank. Bank of America should cover any of these expenses.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I sent a validation cease and desist to the collections company 's ( XXXX XXXX XXXX, XXXX XXXX XXXX ) providing them with the dispute letters asking for a validation letter as well as an ASSIGNMENT CONTRACT which I have not received. I filled a CFPB complaint however nothing was done about it. This unfortunate situation is keeping me from living my life it's creating a strain on my everyday life and mental health.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (IL)

I received two calls pertaining to a debt for a gym membership that I have never held, the calls came from a debt collection agency called First Credit XXXX. I returned the calls while recording the conversation informing the representative that I was recording the call. They then transferred me to a supervisor who was also informed of the recording. I asked who the calls were regarding to insure they were trying to reach me, I then requested that the company destroy any information pertaining to me and withdraw any claims they may have made. Last, I informed the supervisor that I will be filing a complaint with the FTC and hung up.
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 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 ).