davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (FL)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I Requested the closure of XXXX saving account on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with XXXXoodwill ask to removal and trying to dispute, but XXXX refuse delete that false info
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (FL)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2024-08-18
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (FL)

I have not supplied proof under the doctrine of 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 does exist
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MO)

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Consumer complaint received 2024-08-17
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: AC AutoPay LLC, Denver, CO Branch (NE)

I am a client of XXXX XXXX and have been offered lower interest rates on the loan for my vehicle for some time now. On XX/XX/year> I decided to see if I would qualify for an offer from Autopay as their interest rate is much lower than what I currently pay. Unfortunately, I did this before checking with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got notifications within minutes of hard credit checks from XXXX. After reading the complaints from other people who had similar experiences I decided to file a complaint with CFPB to protect myself against fraud.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc. (GA)

I am filing a complaint against XXXX XXXX XXXX regarding a debt of {$2300.00} that originated from Upstart. While I acknowledge that this debt was incurred, my financial situation has drastically changed, and I am now unable to repay it. Despite my financial hardship, XXXX XXXX XXXX continues to report this debt, causing significant and ongoing damage to my credit score. 

Moreover, I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This includes proof of the original agreement with Upstart and their legal right to collect this debt. The lack of validation makes their continued reporting both misleading and unfair.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and debt collectors are obligated to ensure the accuracy of the information they report. Given that this debt is unvalidated and uncollectible, its continued presence on my credit report is unjust and harmful. 

I request that XXXX XXXX XXXX immediately cease all collection activities and remove this debt from my credit report to prevent further unnecessary damage.
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT CONCEPTS, INC. (WA)

Credit Concepts provided financing for XXXX vehicles, the first being a XXXX XXXX valued at {$14000.00} in XX/XX/XXXX, which unfortunately was stolen, recovered, and declared a total loss. Despite having full coverage and XXXX insurance, XXXX and my XXXX covered the cost of the vehicle. However, I discovered an unfamiliar account and date on my XXXX report shortly after the payment. Upon contacting them, I expressed my concern about the impact on my XXXX XXXX and the apparent duplication of payments. Their response was simply, " your account has been zeroed out now apologies, '' without further explanation. In XX/XX/XXXX, I acquired a XXXX XXXX for {$7600.00}, only to find out that Credit Concepts was once again the lender. Unfortunately, the same situation occurred XXXX months later, and my full coverage and XXXX insurance covered the cost. Subsequently, I received multiple emails from the company regarding additional fees and late payments. Then, a lady arrived at XXXX PM and served unsigned papers to my XXXX son, mistaking her for his friend 's mother, which led him to open the door. Now, the company is seeking to garnish my paychecks for {$1300.00}, as communicated by my supervisor. This has left my children and me without a vehicle and in an ongoing struggle. I am left wondering about the legality of these actions and the impact it has had on our lives.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC (GA)

I am filing this complaint regarding a debt that American Coradius International LLC is attempting to collect on behalf of XXXX for a XXXX monthly account. The amount in question is {$310.00}. 

Due to severe financial hardship, I am completely unable to repay this debt and will never be able to do so. I recently received a letter from American Coradius International LLC stating that if I do not respond by XX/XX/year>, they will assume the information they have is correct. 

I want to make it clear that I do not have the means to pay this debt and I am requesting that it not be reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am disputing the validity of this debt and requesting that all collection activities cease immediately. The FDCPA requires that debt collectors verify the debt upon request, and if they can not, the debt must be removed from my credit report.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that this debt not be reported to any credit reporting agencies, as doing so would unfairly damage my credit given my inability to pay.

I am seeking the CFPBs assistance to ensure that American Coradius International LLC and XXXX comply with these federal laws, cease all collection activities, and refrain from reporting this debt to the credit bureaus.
Consumer complaint received 2023-10-02
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. (NY)

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 I don't want this on my report, it hurts my credit history and it's not mine.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CO)

XX/XX/year> I attempted to use an ATM at a local XXXX  store to pull XXXX $ out, there was a XXXX $ fee. The atm approved the transaction and did not dispense any money, the owner of the XXXX store said his XXXX owns the ATM and there was nothing he could do about the situation. 
I did not use this ATM following this incident yet on XX/XX/year> another transaction for XXXX $ was posted to my account from this same ATM located at my local XXXX store on XXXX XXXX XXXX in XXXXXXXX XXXX 

I contacted my bank ( BMO ) and disputed both transactions immediately. They approved both disputes and credited the full amounts back to my account. XXXX weeks later they changed the dispute status to denied and reversed the credits for XXXX $ and XXXX $ as well as the XXXX $ fee for each ( XXXX $ total for the XXXX ) which overdrew my bank account that had been at XXXX $ prior to this. 

Since then I have contacted them by phone XXXX times and was given an email to contact directly for help with this matter. I have now emailed them twice in the last XXXX weeks with no response or attempt to fix my account resulting in a XXXX $ overdraft fee in addition to the amount it was already negative putting me at XXXX $ These are fraudulent charges which resulted in having to replace the debit card associated with these transactions yet BMO continues denying my dispute and pushing my account further into the negative with fees and not handling the original dispute matter.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Date : XX/XX/year> Amounts : {$6500.00} Claim declined by the bank ( Wells Fargo ) Hi, CFPB : I am writing to formally express my dissatisfaction with the recent decision to decline my claim, referenced under number XXXX, which I submitted on XXXX, XXXX XXXX 
I have made the phone call every day since i know the result, every time i have to wait for one hour or even more to take to the agent, but they kept saying the same thing : '' the decision was final can't change. ", and they refused to say why the claim was declined. 
I checked the transaction date, they are both on the afternoon of XX/XX/year>, at that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is not possible for me to make any purchase, and the website is not a well known website. When such a large amount occurs in the card, Wells fargo should immediately send me a text or an email, but i never got them. 

You can call XXXX XXXX XXXXXXXX to see if i was there on XXXX XXXX. Restaurant phone number : XXXX Given this information, I respectfully request a re-evaluation of my claim. I would appreciate it if you could review the additional documentation provided and reconsider the decision made. If necessary, I am willing to discuss this matter further and provide any additional information required to facilitate a fair resolution. Please confirm receipt of this letter and the accompanying documents. I look forward to your prompt response and resolution of this matter. Should you require any further details or wish to discuss this in more depth, feel free to contact me at my email address i registered. 

Sincerely
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've had so many issues with logging into both Transunion and XXXX. I want to log into both of these accounts in order to secure a credit report freeze as well as to simply access my accounts. Every time I try to log in I go through the same cycle of retrieving my account via reseting password which inevitably ends up with the " temporary error '' page. This is ridiculous. I haven't been able to access my accounts for years. I reached out to both credit unions via phones and were not able to even reach an agent.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (VA)

This organization messaged me about debt. However, I am XXXX and have no financial obligation so I am certain I have no debt. In an attempt to frustrate them, I asked if they were real and that they should try scamming someone else. What they are doing is not ethical.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 I don't want this on my report, it hurts my credit history and it's not mine.
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

On XX/XX/XXXX, I sent a letter to Navient, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 

I informed them of the following : Today I received an alert from my XXXX XXXX card that my credit score dropped XXXX points. When I researched this issue, I discovered that Navient had reported XXXX delinquent accounts to my credit report. I have not received a bill from Navient since XXXX, XXXX, and I have not received any notice regarding a late payment. ( I have included a copy of this letter in the attachment below ). 

To prove that I had been receiving my notification via postal mail, I also sent along a copy of an older correspondence that clearly displays my correct mailing address. I have been living in this home for more than 7 years. 

Navient sent a letter back stating that they did not have my correct address. However, up to XX/XX/XXXX, they had mailed their correspondence to my correct mailing address, and I had not missed a payment. Due to Navient 's error in changing my address in their system, or their false claim that they had sent monthly correspondence since XX/XX/XXXX to the wrong address ( the month that I claimed that the correspondence stopped ), my credit score has dropped XXXX points. 

Finally, Navient claimed that my payment was due on XX/XX/XXXX. However, according to my bank records, I had not made a payment since XX/XX/XXXX. This information can be easily traced. Also, I have attached a copy of my returned check. 

If this information sounds confusing, I agree. I am also skeptical because reports show that Navient has been sued for overcharging students. If their claim is true that the payment forms were sent the wrong address, then how did my address get changed in their system without my consent. I never filed a request for a change of address.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (CO)

This company contacted me stating that I owed a debt to XXXX XXXX. I immediately advised them that I disputed the validity of the debt and asked for their documentation to support the claim. They sent a single-line spreadsheet with almost no information, no letterhead or other identifying information ( document is attached to this complaint submission ). The document further did not validate the debt. I then requested a debt validation claim under XXXX. The collection company never sent any additional information, but reported the debt to the credit bureaus. I contacted them and asked for the debt validation information, and they sent me the same document but no additional information. They stated they would remove the collection from my credit report only if I paid the debt in full.
Consumer complaint received 2024-08-16
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: Self Financial Inc. (SC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX South Carolina XXXX Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and identity fraud laws, specifically South Carolina XXXX XXXX XXXX. 

It has unequivocally come to my attention that SELF / LEAD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, South Carolina XXXX XXXX specifically XXXX XXXX of the South Carolina XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity fraud laws, such as South Carolina XXXX XXXX XXXX, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Section XXXX of the South Carolina Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and South Carolina XXXX XXXX This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.