davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (TX)

I am frustrated by the response from the credit reporting agencies claiming that the investigation of these accounts came back as verified. My credit report still contains multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I have the right to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure these disputed items are accurate. 

Despite these investigations, my credit report still reflects discrepancies. Please rectify these errors promptly and provide the documentation I am entitled to under the law.
Consumer complaint received 2024-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

I have repeatedly sent written contacts to FirstMark to request forbearance. They instructed me to call, but I have difficulty speaking. I have requested an accessible method to apply. I am XXXX and my attorney is in the process of pursuing permanent and total XXXX claim with social security administration. I am in danger of default but can no longer afford the monthly payment. 

Firsrmark applied a forbearance that was less than the allowed 6 month period. I was not given an option to select the timeframe. Subsequently, the loan status entered repayment and FirstMark reported delinquencies to credit bureaus. Although FirstMark is aware of my speech limitations, they do not offer accessible contact options or accessible application support. Instead, I remain in a cycle of writing to request forbearance and application process, only to repeatedly receive email responses that state I must call. 

They have reported derogatory activity on XXXX occasions.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/2024 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Midland Credit Management I am writing in response to your communication dated XX/XX/2024 regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt.

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA.

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly.

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year> I applied for a Capital One credit card on the Capital One website. I've banked with them for a while, and I have a credit card, checking and savings. Immediately, they sent me an email asking for more information. I spoke with their representative on XX/XX/year> who advised me to submit requested documents. I was surprised, but submitted my Driver 's License, Passport and Social Security card images. On XX/XX/year> I called to ask how long for review. I was informed it will be XXXX to XXXX business days. Later in the day I received an email that my application was denied. I have excellent credit, income, etc. so that was surprising. The Adverse Action letter in the email attached said it was because they couldn't verify my information. I called to ask what information, and was told my first name was entered as my last name, and my last name as my first name. I acknowledge the mistake, but asked if we can update the application or how we can fix it. The representative informed me that not only can nothing be done to update it or fix it ( despite having XXXX forms of ID from me and a banking history ), but that I'd have to apply again, but if I do within 6 months, I'm likely to be denied because I had another application within 6 months. I asked to speak with a supervisor and they told me very coldly the same " nothing we can do ''. I reached out to Capital One on XXXX and got the same " nothing we can do ''. So, I did apply again with name entered correctly because I want the product, and I want to be assessed on real credit worthiness merits not a simple silly mistake. I got denied for having another application " pending '' ( it isn't pending it is declined ). So to summarize, they won't allow me to correct that first application and they won't allow me a second credit application because i have the first application. Neither one has assessed my credit worthiness, but produced credit inquires. Essentially, I am banned for 6 months for a simple mistake of switching first and last name despite all efforts to fix/apply and they refuse to help.
Consumer complaint received 2024-10-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (NY)

I was a XXXX user who switched to XXXX earlier XXXX XXXX. 

In XXXX, a collection was added to my XXXX score, dragged it down drastically. Details of the collection suggest XXXX  was the original collector and they gave it to a place called " DIVERSIFIED ADJUSTME '' I was never notified of any remaining balance by anyone via any channel : Not XXXX, not this " Diversified Adjustme '' ; not via email or postal services, not even a phone call or text. 

My credit score was ambushed by this collection. 

I have never received any notification about this over 8 months. They should legally communicate any collection and not to ambush people 's credit scores.
Consumer complaint received 2024-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

First federal credit control inc Do engage in deceptive practices I received notification of that on XX/XX/year> date. The letter is dated XX/XX/year> and give the right to dispute until XX/XX/year>. 
I received the letter after the deadline and its impossible that the letter months in the mail This is the deceptive practice and should be investigated
Consumer complaint received 2024-10-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (MN)

This company attempted to collect a debt that I was not liable for. Furthermore this third party worked with my insurance company and the insurance made a payment. This action is in bad faith of my insurance and illegal for the collector. I responded to them when contacted. I sent in a document from XXXX stating they did there liability investigation and deemed I was not liable. Additionally they violated my FCRA rights as they accessed my credit report with out authorization or need.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Date : XX/XX/XXXX Dear XXXX I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IL)

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed up for a {$50000.00} education fund that I paid almost {$2000.00} into. The {$50000.00} was supposed to automatically be paid towards my loans in the XXXX  of XXXX when I XXXX  from XXXX XXXX XXXX XXXX. About 7 years ago the loans appeared on my credit and I have tried EVERYTHING to find out why I fell through the cracks NOBODY has any answers the loans have ballooned to over {$57000.00}. I DO NOT OWE THIS MONEY I ALREADY PAID WITH MY SERVICE TO THIS COUNTRY!
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: EQUIFAX, INC. (GA)

Subject : Notice of Reinvestigation Regarding Payment Records I am writing to formally dispute the assertion that my payment was late, referencing the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and to invoke applicable sections of federal law related to consumer protection. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), I am exercising my rights as a consumer to dispute inaccurate information that may have been reported regarding my account. I request that you provide me with all GAAP-compliant financial statements and all other relevant internal records to substantiate your claim regarding the alleged lateness of my payment. 
Additionally, under 15 U.S. Code 1666b, I seek verification regarding the timing and processing of my payment, ensuring compliance with established billing procedures. I also wish to emphasize that, as per 15 USC 6802 ( b ) ( c ), the handling of my personal information must be conducted with the utmost care to ensure accuracy and fairness in reporting. Lastly, under 15 USC 1681, Section 602, it is my right as a consumer to know the nature of any information that has been provided to consumer reporting agencies concerning my credit before being reported. 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 whom it relates ''. In which I received no written request to allow my nonpublic information to be reported by XXXX XXXX XXXX, XXXX, XXXX, or Equifax which is a violation of federal laws such as the privacy act of XXXX. 
Also you stated in a response via cfpb complaint number XXXX that As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. I believe I have fulfilled my credit obligation to your company so to ensure the accurate books for both parties please send the documents I requested above to settle the matter as soon as possible. To be clear I am requesting all GAAP-compliant financial statements and all other relevant internal records in connection with I, XXXX XXXX account XXXX XXXX and the contract XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Subject : Notice of Reinvestigation Regarding Payment Records I am writing to formally dispute the assertion that my payment was late, referencing the case XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and to invoke applicable sections of federal law related to consumer protection. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), I am exercising my rights as a consumer to dispute inaccurate information that may have been reported regarding my account. I request that you provide me with all GAAP-compliant financial statements and all other relevant internal records to substantiate your claim regarding the alleged lateness of my payment.

Additionally, under 15 U.S. Code 1666b, I seek verification regarding the timing and processing of my payment, ensuring compliance with established billing procedures. I also wish to emphasize that, as per 15 USC 6802 ( b ) ( c ), the handling of my personal information must be conducted with the utmost care to ensure accuracy and fairness in reporting. Lastly, under 15 USC 1681, Section 602, it is my right as a consumer to know the nature of any information that has been provided to consumer reporting agencies concerning my credit before being reported. 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 whom it relates ''. In which I received no written request to allow my nonpublic information to be reported by Toyota Motor Corp., XXXX, XXXX, or XXXX which is a violation of federal laws such as the privacy act of 1974. 
Also you stated in a response via cfpb complaint number XXXX that As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. I believe I have fulfilled my credit obligation to your company so to ensure the accurate books for both parties please send the documents I requested above to settle the matter as soon as possible. To be clear I am requesting all GAAP-compliant financial statements and all other relevant internal records in connection with I, XXXX XXXX account number XXXX and the contract XXXX.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (FL)

Central Portfolio Control ( CPC ) keeps calling and now texting me trying to reach XXXX XXXX. I do not know XXXX XXXX and I have notified this collection agency on multiple occasions that they have the wrong number. They keep calling and now texting me. I don't know how to get them to stop,
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Rickel Law Firm, P.C. (HI)

Please see Complaint ID XXXX. 

Amount owed was paid in full on XX/XX/XXXX. I submitted a CFPB complaint for other matters, which have been resolved as of XX/XX/year>2024. However, the law firm still filed a lien against my property on XXXX XXXX, 2024, after the balance was settled and after my prior CFPB complaint was resolved. 

Rickel refunded {$730.00}, which was satisfactory to me, and I considered the issue resolved. However, I just found out that they still filed the lien after my CFPB complaint.
Consumer complaint received 2024-08-15
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc. (GA)

This company deceived me into believing how much of a tradeline they would put on my credit report. I asked for my money back but they have refused my request. I get harassed at least three to four times a day with email advertising even though I have sent them unsubscribed emails four times. I want my money back!
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I applied for a CITI card that was advertising 0 % rate on purchases and transfers for XXXX  months to complete a purchase of approximately of {$5900.00}. After receiving the card and completing the purchase I set the account on autopay, expecting to rely on the 0 % promotion. The card was being paid automatically and I assumed all was well. When i noticed that my minimum payments were increasing, I went to look at my statements only to discover that I was being charged interest on all purchases from day of opening. In total this has led to a total interest charge of {$470.00} thus far. I called CITI customer services to ask about this issue and was told that there was no such offer on my account, there only was an offer for balance transfers. I know I specifically selected an account that had a purchase promo offer, but I somehow ended up with XXXX that doesn't. My goal is to pay the account off and recoup the interest charged. I am seeking any resolution or assistance you can provide.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Dear CFPB, On XX/XX/XXXX, I bought tickets for a concert on Front Standing Right location. The tickets I bought had original release date XX/XX/XXXX. This was later changed to XX/XX/XXXX and I asked why the change. The answer was that the bought tickets were going to be on XX/XX/XXXX. On XX/XX/XXXX the tickets did not arrive, and the date was changed to XX/XX/XXXX, the day of the concert. I contacted them again and the answer weas that the bought tickets will be delivered on that date. 

The day before of the concert my I was notified that the tickets changed and that they told me We have no control over seating or production changes within the venue, and I was not given the option for refund. On the day of the concert, my fears about having a bad service materialized, as the tickets were unilaterally changed last minute for tickets of different quality and characteristics. 

I started a dispute with my Credit Card company and I was denied the claim. In light of that unfair situation, I come to you with proof all my efforts with the merchant to get things in time, plus the answer of the credit card company. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANKERS HEALTHCARE GROUP LLC (FL)

Received an email from a company called XXXX regarding a loan with BHG it clearly states on the email that there is a judgement status and post judgement collection on and that i should reach out to them to resolve. It threaten to report to credit bureau This morning there was a collection account on my XXXX credit file. for XXXX from this company. I was threaten and lied to regarding the status of the account and was never notified of any judgement made against me. I never had an account with XXXX and demand proof right to collect from me. please submit proof of ownership of loan how they aquired it and what right do they have under the law to collect from me. who gave them the right to report and report to credit bureau show me any documents that i signed with them anything connecting me with XXXX. I demand they remove the collection from my credit file and unless they have any proof of there ownership of the collection. that i signed then remove from my credit file.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Herbert P. Sears Co., Inc. (NV)

In accordance with the Fair Credit Reporting act HP Sears Account number : 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (TX)

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 ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.