davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bounce AI, Inc. (TX)

Bounce Ai Inc is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I also researched Bounce Ai because I have never signed an agreement with this company, and they did not come up in the database on the Texas Comptroller. This company does not have a license to collect debt in the state of Texas. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-17
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 my previous complaint I mentioned a violation that XXXX XXXX  has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX is the person making the report. XXXX XXXX  still is reporting these transactions and experiences.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

In XXXX of 2024 for the first time, I sent Exeter Finance my performance by tender of payment. The refuse to apply it to the principal 's balance so in XXXX of 2024 I sent it again as a second attempt to tender of payment. On XX/XX/XXXX Exeter Finance closed my account. Upon checking my consumer reports it says that the account is paid off/charged off and closed. I contacted them and they said they do not except that form of payment and the full amount of the loan is due. According to the Bill of Exchange, The Federal Reserve Act, Truth in Lending and The Fair credit reporting Act they have to apply my tender of payment once received which I have certified mail receipts saying that was delivered. Instead of applying it to the principals balance my account is now closed and under repossession apparently. I am prepared to take this to the fullest extent of the law.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Klarna AB (CT)

I have been having issue with Klarna they are refusing to acknowledge. I had a delinquent account 3 1/2 years ago that I paid off. I have a good history with Klarna now. I don't have any accounts over 60 days past due. I keep getting declined by klarna partnered by XXXX and it states I have an account more than 60 days past due which is incorrect and I have records. When asking for a resolution, I keep getting a runaround.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Said company has reported a negative account to all three major bureaus without ever having acknowledgement to be able to do so. I have disputed this FACT that I have no contract with said company to be able to default on for them to report and they stated that they updated and verified the said debt without providing me any evidence personally.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (CA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such account and also any other documents they may have so that I can review and see if this is actually an account that belongs to me.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

In XXXX I was granted a XXXX  XXXX ( case # XXXX ) which included a modification with a trustee. The modification would have lasted until XXXX, but in XX/XX/XXXX I paid what I thought was my last payment towards ending the XXXX  XXXX early release, as we all know Covid 19 happened, And I couldnt get discharged unless my income taxes were up to date. At this point the IRS offices were closed, and I couldnt get the money properly credited to the years XXXX. When the IRS offices finally opened in XXXX, I was audited for year XXXX which I then resolved with the help of my CPA and the IRS agent. At this point, The United States bankruptcy court Middle district of Florida XXXX Division, and the trustee where both aware of this. I then called HSBC banks mitigation department and they had advised me that I could start paying the modification amount to reinstate my loan. At this time we agreed to a 3 months forbearance, which I upheld the terms to the agreement of the 3 months forbearance and I made my payments until HSBC Bank Stoped taking my payments on XX/XX/XXXX. HSBC bank then advised me that they had stop taking my payments because they were going to accelerate my loan. I tried to reach out to HSBC Bank because I did not agree to their decision to accelerate my loan but to no avail, I then hired a lawyer to assist in communicating with HSBC Bank regarding my mortgage and after more than a year of going back and forth, the only resolution HSBC Bank offered me was money to take my house back. I did not agree with this since it was HSBCs decision to stop taking my payments. This is the same thing they did to me in XXXX, which was what forced me to filed a XXXX  XXXX in order to stay in my house. I feel that they ( HSBC ) has been un fairly attempting to get me out of my house without any probable cause.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear reporting agencies this company XXXX XXXX XXXX has not sent me information I requested. I requested they show a contract I have them XXXX XXXX XXXX they have not produced I have been working on this for 4 months now and received no documentation just verified and updated which is unacceptable I have reported XXXX XXXX XXXX TO THE FTC for fraud and unfair practices this company is clearly violating the FCRA to delete unverified information within 30 days. Theyre clearly violating the UNIFORM CONMERICAL CODE and doing what they want. Sending me verified and updated is unacceptable. Law states I can ask for any documentation and they have to provide. My next steps will be to call XXXX XXXX XXXX get one of the employees name and hold them personally liable in court if this fraud account is not deleted asap
Consumer complaint received 2024-07-19
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: Nelnet, Inc. (TX)

Firstmark has removed me as the co-signer for these loans. Which was granted in XXXX of XXXX due a XXXX XXXX 

The loan 60 days passed due and is now in default. This information has been sent to all 3 credit bureaus resulting in a lower credit score. 

I have called Firstmark at least 3 times, as well as disputing this issue via the credit Bureaus, with no results. 

Nelnet student loan is also affiliated with Firstmark This issue needs to be addressed and corrected with all 3 credit Bureaus.
Consumer complaint received 2024-07-16
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: Experian Information Solutions Inc. (DE)

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 2024-07-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I reached out to lexisnexis of multiple occasions requested that they investigate an inaccurate bankruptcy that they have on my report. On XX/XX/year> I received notification that Lexus Nexus verify bankruptcy by XXXX proof of address. How is this possible? I have a letter stating the court dont verify or report to 3rd party vendors. I request lexisnexis send me legal proof of Bankruptcy such as a legal document that state a bankruptcy was filed. I request that not be proof of address, but a legal document that a bankruptcy was filed. I request that lexisnexis also provide legal proof documentation in reference to bankruptcy proceedings. Lexis nexis is also reporting multiple inaccurate addresses on my credit file. 

If your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I will also bring legal action with attorney General office in reference to this matter. I request your office provide me with the requested information so I can take this to the next step and proceed with legal action
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A. (GA)

I bought my computer in XXXX. I opened a Best Buy store credit card in order to finance my purchase. I made regular payments on this credit card from XXXX - early XXXX. In XXXX of XXXX, I missed ONE payment - JUST ONE PAYMENT - due to my money being allocated to medical services. ( These medical services were far more necessary than my credit card payment. ) As a result, Citi Bank gave me a late fee. I paid the late fee and got my card up to date. 

However, Citi Bank has continued to charge me a late fee for EVERY PAYMENT since XX/XX/XXXX. I closed my account and agreed to their special payment plan - a situation that should have no more incurring fees, a lower interest rate, a NEW DUE DATE, and a lower monthly payment. I have a contract stating this. 

Citi Bank has not upheld their end of the agreement. They are continuing to publish my account as past due, they are continuing to hound me for payments DESPITE MY PAYMENT PLAN BEING ON AUTOPAY, and they continue to trash my credit through the credit bureaus by not informing them of my payment plan and maintaining that my card is past due. 

I have not missed a payment since the one in XX/XX/XXXX. I have full documentation of my payments as proof. 

I would like my account removed from their possession. They do not do ethical business and they do not respond to the letters that I have sent. I have tried contacting them through the secure message feature on their website more than once. As of now, they have actually removed that feature from my account, which also feels unethical. 

I am suffering on their account due to my trashed credit score being infinitely lower than it should be. Every other card and debt I have is being paid off in a timely manner and I do not live above my means. If this is not rectified one way or another, I will be seeking legal counsel. 

Thanks for your help.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (NC)

XXXX XXXX billed me after I canceled service in my name and moved from XXXX  to XXXXXXXX XXXX. Never received notification or mail that I owed XXXX. Never knew my debt went to collections to CMI Group ( Credit Management ). Never received mail notification from debt collector. Checked my credit last week to purchase a house and learned I had a XXXX point deficit to my credit score because of a unpaid XXXX XXXX  bill I had no clue existed. I called to dispute but never received help or guidance. I paid the full bill owed to the collection agency as soon as I found out about this in hopes to repair my credit score immediately.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

I previously had two accounts with Comenity Capital Bank. One was for a Sephora Credit Card, the other was My Place Rewards Credit Card. Due to a financial hardship I was not able to pay this card and it was placed on charge off status. These charge off accounts have been reporting a monthly payment history ( CO ) and balance since 2020 and should not since this account has been closed and changed off.Everything reported here does not meet the FCRA and its a violation.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

Dear CFPB, I am writing to file a formal complaint regarding the unauthorized closure of my account and the prolonged delay in receiving my refund check. The lack of communication and transparency throughout this process has been deeply concerning. 

On XX/XX/year>, at XXXX XXXX XXXX, I received a notification from the Chime XXXX  about a new card added to my account without my consent. A Chime representative confirmed the closure of my account. I was alarmed that my account had been closed without my consent. The supervisor stated that my funds would take 30 days to be mailed to me. It's been 4 months! 

The abrupt closure of my account will have a significant negative impact on my credit score and financial commitments. On XX/XX/year>, at XXXX XXXX XXXX, I was informed that the closure was irreversible, which is distressing as the account was crucial for my financial management and credit rebuilding efforts. 

I demand immediate action to expedite the processing and delivery of my refund check. I also expect a formal explanation for the unauthorized closure of my account and the mishandling of this matter. 

If this issue is not addressed promptly and satisfactorily, I will be compelled to pursue further legal action to protect my rights as a consumer. I trust that you will take this complaint seriously and work towards resolving it promptly and satisfactorily. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
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. (AZ)

I am formally requesting the removal of late marks from the following accounts in my credit profile, as they are inaccurate and misleading. According to the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to do so will constitute a violation of the Act and may prompt an investigation by the Federal Trade Commission. The accounts in question are : XXXX : XXXX XXXX  XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======TransUnion : XXXX XXXX  XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide proof that these accounts legitimately belong on my report and ensure my rights have not been violated. If no such record exists, please update the inaccurate information immediately.
Consumer complaint received 2024-07-10
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: W&A Intermediate Co., LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXXXXXX XXXX XXXX XXXXXXXX Dear WAKEFIELD & ASSOCIATES, 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 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX XXXX. 

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES 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 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES 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 WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. 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 Missouri state law. 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 WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I have the XXXX Rewards XXXX, which is serviced by Wells Fargo. I have had this account for well over a year and have been using the same XXXX XXXX checking account to make payments. XXXX XXXX has confirmed that the issue lies on Wells Fargo 's side. 

Despite my attempts to make payments around the XXXX of each month, as I have always done, the payments keep being returned and are never withdrawn from my account. No one at Wells Fargo can tell me how to rectify this situation so that I can pay my card. I am worried that I will incur late fees and negative marks on my credit report because Wells Fargo can not process my payments as they have in the past
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : # XXXX, Account name : XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( 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.