davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I requested company to send me XXXX. **A detailed history of payments** made by me on this account, including dates and amounts of each payment. 
XXXX. **A copy of the contract or agreement** that bears my signature, which legally obligates me to pay this debt to the original creditor. 
XXXX. Information on whether any **insurance claims have been filed** in relation to this debt, and if so, the details of such claims. 
XXXX. **Proof of your authority** to collect on this debt, including documentation that establishes the chain of title from the original creditor to your agency. 
This request is not an acknowledgment or acceptance of the debt but a requirement under federal law to ensure the accuracy and legitimacy of the debt claimed. Please respond to this request within 30 days as mandated by the FDCPA. SEND ME VALIDATION I OWE TGE DEBT TOO YOU DONT SEND ANYTHING FROM XXXX YOU ALREADY SENT A XXXX XXXX  BILL MEANING I OWE THEM NOT YOU SEND SOMETHING STATING I OWE YOU THIS DEBT
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

XX/XX/XXXX Submitted application for XXXX  payment plan on Mohela website. Mohela cancelled application because they needed supporting documentation which was not asked for during application process online. 

XX/XX/XXXX submitted supporting documentation. XXXX was put into administrative XXXX  while application pending XX/XX/XXXX administrative XXXX  expires and XXXX  application not approved XX/XX/XXXX After XXXX XXXX  on the phone being disconnected multiple times, customer service said that XXXX application was approved in the system in XX/XX/XXXX but not entered into my account. Representative said they are expediting rush to enter in my account. 

XX/XX/XXXX is my payment due date. If it is not resolved by then and adjusted to the new plan, my payments will not count towards XXXX XXXX XXXX XXXX. If they put me on another forbearance to figure it out again, it will also not count for XXXX XXXX during that XXXX  because it would be called a processing XXXX  which is not the same as an administrative XXXX. I have XXXX XXXX  left until loans are forgiven. 

I should not be penalized and not granted credit towards forgiveness when I did everything correctly and Mohela is making mistakes on their end. This should not take over XXXX XXXX to complete. 

My previous loan servicer made changes in less than XXXX XXXX.
Consumer complaint received 2024-01-29
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. (LA)

Equifax is reporting a fraudulent account on my credit report! I've sent in all the supporting documents and this account was removed but Equifax has re-reported it. I've reached. Out to the creditor that is reporting it, and they only have my SSN number matching No other info matches. This is a 100 % fraud account that needs to be blocked ASAP. I will once more reach out to XXXX  XXXX XXXX  to try to resolve this matter. I ask that EQUIFAX look at the info. that ive sent in showing this account is fraud. 

MY CORRECT ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX WHICH IS SHOWN ON MY ID IN THE ATTACHED DOCUMENTS
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received a mailer from Citi that offered various bonus amounts for opening a new checking account and depositing funds with Citi. I chose the offer that allowed me to deposit {$30000.00} in the checking or a new linked savings account within 20 days, maintain it for 60 days, and receive a {$500.00} bonus. 

I opened the checking and savings account in branch XX/XX/XXXX. I brought the flyer with me to ensure the banker had all the information he needed. I deposited the required funds XX/XX/XXXX. The 20 day qualification period, the XXXX maintenance period, and the 30 day bonus posting period have passed. The advertised bonus has not posted to my account. 

The eligibility requirements to participate in this offer are stated as follows : So long as you have not owned a Citi checking account in the last 365 days, meet Tax Requirements and are at least XXXX XXXX XXXX, you are eligible to participate in this offer. My last Citi checking account was closed XX/XX/XXXX, I meet all tax requirements, and am at least XXXX XXXX XXXX. 

I contacted Citi via their app on XX/XX/XXXX and was told online support was unable to help and to contact their support via phone at XXXX. I contacted Citi via phone at the requested number and was told they could not help either and was told to go in branch. Going into the branch to resolve this is not feasible for me. I have already made two attempts to contact their support through the methods they request. I do not wish to jump through additional hoops to receive support from Citi.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (AZ)

company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. cfpb you also fail to recognize this and. i requested i complaint last week and not chose to help my situation. i see accounts that i believe they are not accurate and not verified by me sending the letters and they not responding thats a violation of the FCRA i demand a reinvestigation. i will also do a complaint with the FTC
Consumer complaint received 2023-04-29
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: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC1681 section 602 States I have the right to privacy.

15 USC 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 2024-01-29
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. (IL)

I'm writing to complaint to EQUIFAX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

This charge was assumed from XXXX which was for a purchase that I never made. I protested the charge with XXXX  several times and filed a police report. The charge was even made without the use of my credit card. Someone used my name and the store clerk looked up my account number and allowed the charge to go through. 

I have also protested to the credit reporting agencies to no resolve. I am asking for this to removed from my credit reports as it is identity theft and XXXX XXXX  has not responded appropriately. 

XXXX XXXX  {$470.00} XXXX  Suggested Account # XXXX Status Original Creditor COMENITY BANK Creditor Type Collection services High Balance {$470.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX Remarks Completed XX/XX/XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Completed XX/XX/XXXX I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/2023 I mailed a Certified Debt Validation Letter to Midland Credit Management company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Midland Credit Management 15 more days to validate debt. However, we are now passing the 15 day mark with no response from Midland Credit Management. After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Security Credit Services, LLC (GA)

Between XXXX | was notified that a collection from SECURITY CREDIT SERVICES was removed from my credit report, almost immediately after, that same collection was added back onto my account, dropping my credit score significantly. This collection was removed because the company violated my rights by report debt to my credit without my permission in the first place. I need this collection removed PERMANENTLY from my account, as it is hindering me from obtaining credit and buying a house. Thank you.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

( 15 U.S.C. 6802 ( e ) ( 8 ) ) A financial institution may disclose NPI to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability. 
This company has repeatedly called, emailed and phoned me in attempt to collect a debt that as a third party that I never contracted with. Upon reaching out they never validated the debt, the original creditor, nor my signature permitting this contract and I request this to be immediately removed to prevent further damage to my credit.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CO)

Citibank , N.A . : After repeated attempts to verify my identity with customer service representatives in XXXX, Citibank has failed to send multiple wire transfers within one business day. ( Repeated offense. ) This is illegal under the Expedited Funds Availability Act ( EFAA ) of 1987.

Before you bank with Citi : Citibank, even after verifying identity, will never lift their daily maximum wire transfer or external bank transfer limit. If you open a Citi savings account, you can deposit up to {$250000.00} immediately, but you WILL NOT be able to get that money back out in any reasonable timeframe. ( Max {$50000.00} / day wire transfer and max {$10000.00} / day external transfer. Other banks will temporarily lift this restriction when you are buying a house. ) This has delayed me from closing on a house.

I have spoken to more than a dozen customer service representatives in XXXX ( including requesting the manager ) in regards to this matter and 1 ) I have answered the same identity questions at least 5 times, 2 ) wire transfers more than 1 business day old still have not been sent, 3 ) they have locked me out of external transfers to my checking account for which I have again answered the same identity questions multiple times and waited 2 days to get transfers unlocked. 

If you do not live within a distance of a Citibank branch that you can visit in person, do not hold any of your money in any Citi account. A person living anywhere in the nation may bank online with Citi. The nearest branch to me is a 7 hour drive, limiting my assistance to XXXX call centers.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc. (NC)

Resident Verify conducted a background check for a housing application I submitted. They put the eviction of another person on my report which resulted in me being denied. I contacted them to request a full report. They said they would send it to my email but never did. This will now result in me having to pay for other arrangements while I get this sorted out. I am supposed to move in a few days but I am at their mercy to correct their mistake in a timely manner.
Consumer complaint received 2024-01-29
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Citicards cbna I am writing to dispute the accuracy of the information reported to your bureau regarding the above-mentioned account. The account was opened on XX/XX/2021, but I did not use the card or incur any charges. 

Despite my inactivity, the account has been sent to collections, which I believe is an error. I request that you investigate this matter and take the following actions : 1. Verify the accuracy of the information reported by Citi. 
2. Remove the collections status and any associated negative marks from my credit report.

3. Update my credit report to reflect a " closed '' or " inactive '' status for this account. 

Please investigate this matter and correct my credit report accordingly. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-01-29
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. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$1200.00} XXXX XXXXXXXX Charge-off {$0.00}
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.