davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I had applied for credit card for American Express on XX/XX/XXXXXX/XX/year> based on the new system that they offer of pre-qualified prior the application is completed, And was approved so I decided to complete the application the offer was receive XXXX points after spending {$8000.00} in the next 6 month ( I have meet the spending after 60 days ) when I check my account a few days ago I noticed that the points was not deposit i contact with amex over chat with rep and manager both didnt help 2 days ago they claim that the system reject and I explain them that I was checking prior to applay it's important to mention That Inever had this card and never receive that bonus
Consumer complaint received 2024-02-27
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I switch my homeowners insurance policy effective XX/XX/XXXX. My previous insurer, XXXX XXXX, sent over the cancellation with an effective date of XX/XX/XXXX. My new policy with XXXX XXXX became effective XX/XX/XXXX. PennyMac sent me a notification in the mail stating I would have force placed insurance coverage if they didnt receive my Homeowners InsurancXXXX information from XXXX. All of that information has been provided to them and they still put forced place insurance onto my home for a lapse in coverage and charged my escrow account for {$1200.00}. I called PennyMac and have requested to speak to a supervisor after talking with XXXX different agents who all tell me that I need to submit documentation again. I have been told conflicting information pertaining to whats happening with my account and when requesting documentation regarding my insurance information, have been told they can not send that to me. On the morning of XX/XX/XXXX, I received a notification stating that the documents that were submitted have been rejected. I tried calling XXXX more time and again the line ended with no results and a continently disconnected call.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX 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 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 XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

This is the reference number : XXXX. I had a XXXX pre-paid service plan and I have a XXXX from XXXX Not that XXXX company. The people in the XXXX XXXX phone service company did keep telling myself that I could and can not have a coinccendent like two XXXX. They know that I do not have a XXXX XXXX, but they say that I have never in all eternity, had a woman on my credit report and signature. I pay all My bills myself, the XXXX of the woman, that has no car no bank account, can stay in the house with her XXXX and not get with myself. I am a XXXX XXXX and do not wish or want to be harassed or hazed or hindered.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

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.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (CO)

My GM rewards card has a promotion every calendar year of make 6 utility payments and get {$100.00} statement credit. I have completed the offer terms as of XXXX. They emailed me the same day confirming I met the requirements and should see the statement credit in a few day which in the terms and conditions it says it will take up to 2 business days to post the credit. I have called 3 times and was told they would call me back in a few days with more info. I only got 1 call back in which I was told they are not sure what is going on and too give them a few more days. This was 2 weeks ago and I have heard nothing back.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX Social Security # : XXXX Date of Birth : XXXX/XXXX/XXXX Dear RECEIVABLE MGMT SVCS XXXX, I, XXXX XXXX , am composing this formal complaint against RECEIVABLE MGMT SVCS XXXX concerning your collection practices related on account, purportedly initiated on XX/XX/XXXX, carrying an outstanding balance of XXXX ( Account number XXXX XXXX ). I want to emphasize that I have not granted RECEIVABLE MGMT SVCS XXXX or any of its affiliates, permission to access or report information on my credit profile. This unauthorized action has caused me significant distress, leading to credit denials. I contend that RECEIVABLE MGMT SVCS XXXX may have breached specific laws, as detailed below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : RECEIVABLE MGMT SVCS XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) But yet still placed a collection on my consumer report.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute this inaccurate information, this is a violation of my rights as a consumer.

RECEIVABLE MGMT SVCS XXXX is violating my consumer rights by using false, misrepresentation, misleading and deceptive means to collect this debt.

Your collection agency has no authority to furnish any account/s to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of Violation of 15 USC 1681-s2 ( 7 ) ( a ) and 12 CFR 1006.34 ( D ) : This section of the Fair Credit Reporting Act ( FCRA ) prohibits the unauthorized access of a consumer 's credit report. RECEIVABLE MGMT SVCS XXXX actions may have involved unauthorized access to my credit report, which is a direct violation of these statutes.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX XXXX XXXX XXXX XXXX I deposited a XXXX XXXX cashiers check and was told funds be available on the XXXX. Today. Then I call in and now can be till the XXXX! XXXX lies lies! They lie left and right. Why get a cashiers check if can't be available!
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (MO)

Hello, Bay Area Credit Service violated, " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; '' and placed a debt I have no knowledge of on my credit report. I received notice today via a credit alert asking if I was aware of this debt. I am not, nor was I properly notified. The amount stated is {$560.00} and no actions were taken by the company. 

I am asking that this collection is removed as it did not follow collection rules.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) LVNV Funding LLC, account XXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$210.00} 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$210.00} 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
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CA)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX ) contacted me on XX/XX/XXXX asking for a balance of XXXX Being this matter more than XXXX years old I had to retrieve all the data to respond to the email. 
On XX/XX/XXXX I responded that I requested back in XXXX clarifications about their invoice that I was disputing back then ( XXXX years ago ) to which no answer was ever received. In short, the clarifications and corrections requested in XXXX were not addressed yet. 
XXXX replied with a mail that did not address any of my concerns on XX/XX/XXXX. I replied the same day asking to review the email that was sent in the past because the invoice had some errors and some amounts had to be verified. 
On XX/XX/XXXX I finally received a ledger that I've been asking for almost 3 years to review all the charges. 
After I found the time around the holidays to review the ledger, I provided a response On XX/XX/XXXX with the corrections that the Invoice needed to have addressed and the amounts that had to be yet to be verified. I want to be precise that the request was not much different from the previous one. In the meanwhile XXXX adjusted the Invoice by reducing it to XXXX, which is less than half of what was initially requested. I want to point out that ASKING FOR PAYMENT USING AN INCORRECT INVOICE IS FRAUD. 
On XX/XX/XXXX I followed up on the email sent on XX/XX/XXXX because I did not receive any response and wanted to sort this out. 
On XX/XX/XXXX XXXX responded claiming that they no longer have my account ant to contact XXXX to resolve. 
On XX/XX/XXXX I received a notification that My credit score lost XXXX points because apparently, CPCI put a negative note on it.

CPCI NEVER SENT A CERTIFIED LETTER TO VALIDATE THE DEBT and never contacted me via email. To my knowledge this is illegal and against the regulatory agencies that oversee Credit Collectors. 
XXXX was asked, together with the corrections on the amounts to also correct the reason to moving out which was XXXX, This was clearly stated in the email sent to Management on XX/XX/XXXX when the XXXX notice was given.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Holloway Credit Solutions (AL)

XXXX university refused to send my transcript to a different school even though I used student loans while I attended the school. The school says I have a balance but I was told my one of the academic counselors that I dont have to pay back.
Consumer complaint received 2023-08-28
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00}
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/2023 I was taken to eviction court in which I was evicted. The Complex I was living in refused my payment when I tried to pay them. Now this collection agency has been harassing me and my wife for {$7200.00} and the balance increases every month and it's on my credit report. They're constantly contacting me by phone, email, and text messages. I've asked for documents and never received them. I have no knowledge of this collection agency. I think it's a scam.
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I am writing to notify you that this COMPANY " IC SYSTEM '' is requesting me to pay an unknown account ( The Original Creditor is XXXX XXXX XXXXXXXX ). This debt is not mine, It is fraudulent. 

I will need to help to remove all information about this account that was reported in my credit information.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I am submitting a complaint against SchoolsFirst Federal Credit Union to the CFPB regarding their failure to respond to my dispute attempts regarding an account they are reporting to the credit bureaus. Despite sending dispute letters to SchoolsFirst on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any response from them. 

I am including copies of my dispute letters to SchoolsFirst as evidence of my attempts to resolve this matter. However, their lack of response has left me with no resolution. 

Under the Fair Credit Reporting Act, furnishers such as SchoolsFirst are obligated to investigate and respond to consumer disputes within 30 days. SchoolsFirst 's failure to comply with this requirement constitutes a violation of my rights under the FCRA.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (LA)

In accordance with the fair credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

This exact debt was reported by another collection company in XX/XX/2023. I contacted other debt collector and was notified the debt was reaching it's 7 year deadline. I opted not to pay. Company deleted account due to being non collectible after 7 years. New company reports debt with no notice to me and knowing debt is over XXXX XXXX XXXX and non collectible.