davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DRB-40, LLC (TX)

I am writing to file a formal complaint against Diversified Recovery Bureau, LLC regarding their debt collection practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received an email from Diversified Recovery Bureau, LLC, alleging that I owed a balance of {$3500.00} to XXXX. I immediately contacted them to dispute the debt and requested validation of the alleged debt. Subsequently, on XX/XX/year>, I sent a certified letter to their address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York, ZIP Code XXXX, requesting validation of the debt in accordance with the FDCPA. 

The certified letter was delivered on XX/XX/year>, as confirmed by the tracking information provided by the postal service. Additionally, it is concerning to note that the tracking information for the certified letter indicates that it was picked up in XXXX, New York, despite being addressed to their XXXX XXXX location. This discrepancy raises questions about the handling of correspondence by Diversified Recovery Bureau , LLC, and further highlights their lack of compliance with legal requirements.

However, I did not receive any response from Diversified Recovery Bureau, LLC within the 30-day validation period mandated by the FDCPA. 

Despite this, on XX/XX/year>, I received another email from Diversified Recovery Bureau , LLC, continuing their efforts to collect the alleged debt without providing the requested validation.

I believe that Diversified Recovery Bureau, LLC has violated the FDCPA by : 1. Failing to provide validation of the debt within the required timeframe.

2. Continuing to attempt debt collection activities without providing validation of the debt.

3. Ignoring my cease and desist request, which prohibits further communication until validation is provided.

I have attached copies of the initial email from Diversified Recovery Bureau , LLC, the certified letter sent for debt validation, and proof of delivery for your reference. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Diversified Recovery Bureau , LLC for their violations of the FDCPA.

I also request proof of the original contract bearing my signature, a detailed breakdown of all fees and interest accumulated, the open date and end date of the account, and proof of ownership of the account, including information about the current creditor and owner of the account. '' Additionally, I request relief in the form of penalties and restitution for the harm caused by their unlawful debt collection practices. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Over the past 2 months I have started making use of My Chase Plans for my Chase Sapphire Credit Card ending in XXXX. 

I have/had the following Chase Plans outstanding : XXXX XXXX XXXX no monthly fee XXXX XXXX monthly fee ; refunded purchase XXXX monthly fee XXXX XXXX monthly fee On XX/XX/XXXX, Chase made the automatic Interest Savings Balance payment of {$2500.00}. 

On XX/XX/XXXX, I made a manual payment of {$1200.00} which is the total remaining balance of my XXXX and XXXX plans. 
My understanding is that under 12 CFR Part 1026 ( Regulation Z ) XXXX  Allocation of payments : when a consumer makes a payment in excess of the required minimum periodic payment for a credit card account under an open-end ( not home-secured ) consumer credit plan, the card issuer must allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable annual percentage rate. 
Chase considers that monthly plans do not have interest, but they have a monthly fee. Under the definition of annual percentage rate, all fees are included, including finance charges. 

As a result, I would expect Chase to allocate the extra payment to my XXXX and XXXX plans. 
On XX/XX/2024, I called Chase to determine the allocation of payments. From the call, the rep and I determined that : {$620.00} was applied to the XXXX XXXX MyChasePlan which had no annual fee No extra amount was applied to the XXXX and XXXX plans. 
{$610.00} of the payment allocation could not be determined. I would assume this went towards new charges on the XXXX statement. 

The rep stated that any extra of the payment should be applied to Flexible Financing Plans, which include MyChasePlan. Based on our calculations, it appears that even is not the case, since some amount appears to have gone to new charges. In addition, Chase has a policy that the oldest MyChasePlans are paid off first. However, it is my belief that this policy violates 12 CFR Part 1026 ( Regulation Z ) XXXX. Chase must apply payments to the highest fee plans first. 

Note that on XX/XX/XXXX, I called to have the XXXX refund dated XX/XX/XXXX applied to pay off the XXXX My Chase Plan in full. The rep stated that would not be visible until the monthly statement. It is possible that this contributed to the misallocation of the XX/XX/XXXX payment.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-05-14
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC (VA)

Dear CPFB Representative, I am writing to express my deep concern and frustration regarding an unresolved refund owed to me by Monterey. This is a follow-up to COMPLAINT ID XXXX. Despite my prompt payment of their bill, I have not received a refund from Monterey, which is completely unacceptable. 

It has been XXXX weeks since Monterey promised to mail the refund in response to my previous complaint, but I have yet to receive it. Monterey 's lack of follow-through demonstrates a lack of respect for their customers and puts me in a position of financial inconvenience. 

I demand that Monterey refund me promptly. I have already paid their bill on time, and I should not have to wait any longer for the refund that I am owed. It is unacceptable that Monterey expects prompt payment from its customers, but it can not uphold the same level of responsibility when it comes to refunding owed amounts. 

Despite my attempts to communicate with Monterey 's representatives, I have received no response. This lack of communication only exacerbates the issue and leaves me feeling ignored and undervalued as a customer. 

I urge you to intervene and ensure that Monterey is obligated to refund me promptly. They must understand the importance of timely and respectful communication with their customers, especially concerning financial matters. 

Thank you for your attention to this urgent matter. I demand your prompt assistance in resolving this issue and obtaining the refund owed to me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

THERE IS A BANKRUPTCY THAT ISN'T MINE ON MY CREDIT REPORTS, THE CREDIT BUREAS GOT THIS INFORMATION FROM XXXX XXXX SO I REPORTED THE INACCURATE WITH XXXX XXXX AND THEY INVESTED AND FOUND IT IN MY FAVOR. THEY REACHED TO ALL THE CREDIT BUREAS TO REMOVE THE INACCURATE BANKRUPTCY BUT IT STILL SHOWS UP ON MY REPORT. IF THEY DONT REMOVE THIS I WILL TAKE LEGAL ACTION.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I just checked and reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WA)

I have had a problem with Freedom Mortgage, in regard to my escrow account. In XXXX of 2023, I received a notice of escrow account shortage, and escrow account analysis. I immediately contacted Freedom Mortgage, spoke to a live agent, and paid the shortage. However, my mortgage payment still increased to {$1300.00} as shown in their analysis. 

I contacted Freedom Mortgage again, spoke to a live agent, who said the escrow account had not been credited properly, and who assured me he would make the correction. After this, my mortgage payment changed to {$1300.00}. 

Their formula : XXXX expects to pay {$7600.00} over the next 12 months. Spread over 12 months equals {$630.00}. {$690.00} ( PI ) plus {$630.00} equals {$1300.00} ( new payment ). 

However, if you use their formula and credit correctly, it should look like this : {$7600.00} minus {$630.00} ( escrow shortage payment ) equals {$6900.00}. Over 12 months equals XXXX. This amount, added to {$690.00} ( PI ) equals {$1200.00}, which *should* be the corrected payment. 

I have spent all the time I am going to on their voicemail from XXXX trying to get to a live person. Now I am turning to an outside agency, in the hopes that you may be able to help them take the time and trouble to correct my account. 

This doesnt look like a huge discrepancy, as it was about {$100.00} the first time and about {$50.00} the second. But, since its not being credited to the escrow account or the loan, where is the money going? Also, I cant help but wonder, am I the only person having this problem, or are thousands of others who have not noticed or taken the trouble to report it? 

At any rate, I would just like my account credited correctly, and statements to be accurate. Thats all Im asking for, and Im hoping your agency can help make that happen.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-13
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. (FL)

Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  bankruptcy XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX ccount number XXXX Account number XXXX Account number XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXXXXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX 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
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (WI)

National credit adjusters failed to provide me with a proper notification of the certified receipt with my name on it. If a debt collector neglected to provide you with a validation notice or ignored your request for verification, they have violated the Collection Practices Act. In such situations, you have the authority to file a complaint with the Consumer Financial Protection Bureau1. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), collectors are required to furnish specific information in their initial communication, commonly known as a debt validation notice. This notice should include : The amount of the debt. 
The name of the current creditor to whom the debt is owed. 
A statement that unless you dispute the debts validity within 30 days of receiving the notice, the debt will be assumed valid by the collector. 
A statement that if you notify the collector in writing within the 30-day period that the debt is disputed, they will obtain verification of the debt or a copy of a judgment against you, which will be mailed to you.

Upon your written request within the 30-day period, the collector must provide you with the name and address of the original creditor, if different from the current one2.

Remember that if the initial communication fails to contain this information, the agency has five days from the initial contact to provide it to you2. If you believe a debt collector has not fulfilled these requirements, you can submit a complaint to the CFPB. Furthermore, once you receive the debt validation information, you have 30 days to dispute the debt in writing If the collector continues to pursue payment without verifying the debt, you may even have grounds to sue them in federal or state court, potentially recovering {$1000.00} per lawsuit, along with actual damages, attorneys fees, and court costs.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX amount XXXX Account number XXXX 3.Account name XXXX XXXX XXXX Account number XXXX XXXX name XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written permission 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items shall be other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I just checked and reviewed again my Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX XXXX  IS MISTAKENLY REPORTING NEGATIVE FORECLOSURE VERBIAGE ON MY ACCOUNT. MY ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY AND IS IN FACT PAID OFF. PLEASE REMOVE THE FORECLOSURE VERBIAGE ASSOCIATED TO THIS ACCOUNT.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I ' have sent several disputes to this company asking them for validation of debt with a contract/signature that belongs to me. I've also informed them of the several inaccuracies on my credit reports with proof of the inaccuracies and they refuse to do anything about it. 
I also obtained their licensing information from their website and after doing some research I see that they are not licensed in Texas for debt collection. I plan to take legal action as they have refused to remove this inaccurate information from my credit reports. They only respond with " verified '' but i am not asking for verification, i'm asking what method they used to verify the accounts and validation that the debt is owed. 

If you look at the documents i've submitted there are several violations '' Violation # XXXX. The Date of Last Activity shows XX/XX/XXXX with XXXX and XX/XX/XXXX with Equifax Violation # XXXX. Dispute Status : XXXX shows " Account not Disputed '' but Equifax shows " Account Disputed '' Violation # XXXX. I found the document that shows the XXXX states XXXX XXXX is licensed and registered and Texas is not one of the 15 states. Please see attached document. ( I will be seeking legal action for that as well )