davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (IN)

XXXX by 12 CFR 1006.34 ( B ) ( XXXX ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 
XXXX. I have not been offered the opportunity to dispute the account in accordance with. 
12 CFR 1006.34C ( XXXX ) ( XXXX ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
XXXX. Caine & Weiner has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
XXXX. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( XXXX ) ( A ). Caine & Weiner is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than XXXX days starting today XX/XX/2024
Consumer complaint received 2024-05-15
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. (FL)

I've consistently made timely payments on this account, ensuring they're never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

On XX/XX/year> I made 2 attempts to contact American Education Services to understand who actually owns my private student loan so I could speak to the lender directly and explore repayment options. American Education Services is the loan servicer. 

I was instructed by 2 different representatives 2 separate times at American Education Services that my loan was owned by XXXX XXXX XXXX, XXXX and they gave me a phone number to contact them. 

From the first call to XXXX XXXX XXXX, XXXX, I made contact with a representative who said that they do not have a record of owning my loan. I then called back American Education Services and the representative told me the same thing that my loan is owned by XXXX XXXX XXXX, XXXX. I called back XXXX XXXX XXXX, XXXX, this time with a conference call with the AES representative on the line, and we were on hold for roughly 10-15 minutes and eventually ended the call as we were not able to reach anyone to verify AES 's XXXX that says XXXX XXXX XXXXXXXX XXXX XXXX owns my loan. 

After this failure to reach an entity who said they do not own my loan, I was then advised by the American Education Services representative that " they probably have different departments and can't find your information '' and then told me it might be best to write a letter to XXXX XXXX XXXX, XXXX instead. 

I told the AES representative that this suggestion and this whole experience was unacceptable and that I was highly dissatisfied with this service. I felt like I was being directed into a revolving turnstile and still to this date do not know who owns my loan, or how to contact them.
Consumer complaint received 2023-07-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (CA)

I had to fill in a wrong reason. I was a victim of a crime which has now passed the statue of limitations for collection the Ford motor company has ignored this and turned me over to a very disreputable company which has many complaints on your site the company is XXXXXXXX XXXX  XXXX, which are collection Attorneys at work for Ford. The statue of limitations here in California is 4 years that has passed and at 5 years or a month or two short of that. And researching the company I see they used tactics like getting judgments and the person never knew they were sued that sort of thing since the statue of limitation is being ignored I'd like this company to stop contacting me and never put anything on my credit they never contacted me about the debt and I see they have access my credit report and put on a hard inquiry and of course no lawsuit filed since after 4 years a lawsuit is not permitted
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 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 a account without my written instructions.under 15 uscs 1666b a creditor may not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-08-28
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. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AR)

In XXXX of XXXX Ally Financal has made remarks on my credit file and then removed them. Also they changed the date of last payment which is inappropriate and inaccurate according to FCRA. They have changed remarks to my account that are not truthful and it dropped my credit score XXXX points. After I have disputed this account online line via XXXX these changes occurred which is a violation. They havent reported this account of date of last activity and date of last payment XX/XX/XXXX until XX/XX/XXXX through XXXX of XXXX this account has been marked up incorrectly and inaccurately decreasing my credit score.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (GA)

I am writing to formally dispute the debt you are attempting to collect as well as to bring to your attention several violations of my rights under the Consumer Financial Protection Bureau regulations and the Fair Credit Reporting Act. As per the referenced consumer laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s 2 ( 7 ) ( A ), it is evident that your actions have not adhered to the prescribed standards. Firstly, I dispute the validity of the debt you are attempting to collect. I have not received any verification or validation of this debt as per my rights outlined in 15 USC 1681s 2 ( 7 ) ( A ) of the Fair Credit Reporting Act. It is imperative that you provide me with detailed documentation verifying the debt, including the original creditor 's name, the amount owed, and any relevant account statements. Furthermore, your collection practices have violated my rights under 12 CFR 1006.34. Specifically, your failure to provide me with written notice within five days of your initial communication, as required by 12 CFR 1006.34 ( b ) ( 5 ), is a clear violation of the law. Additionally, your failure to cease collection efforts until you have provided sufficient validation of the debt, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), further demonstrates your disregard for consumer rights. Moreover, your company has failed to provide accurate and complete information to the credit reporting agencies, as outlined in 12 CFR 1006.34 ( d ). The inaccurate reporting of this debt has had a detrimental impact on my credit score and financial well-being. Therefore, I demand that you : Cease all collection activities on the disputed debt until you have provided adequate verification as required by law. Provide me with detailed documentation validating the debt in question, including the original creditor 's name, the amount owed, purchase agreement between the original creditor and you, also requesting to furnish proof to be licensed and bonded and any relevant account statements. Correct any inaccuracies in the information you have reported to the credit reporting agencies and provide me with written confirmation of these corrections.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. ()

I was working with this site named www.square.com, I have a small business, I give licensed online courses in XXXX and I was using square as a meaning of payment. 
At XXXX XX/XX/year> I got informed that my account will be deactivated and my funds ( around XXXX XXXX XXXX ) will be suspended till the XXXX of XX/XX/year>. 

Today XXXX XX/XX/year> I get informed that my funds will get suspended for more 60 days, which is not justified nor legit, I even checked forums about this website and I acknowledged that am not the only victim, and that many of small-business owners got the same issue with this company and told to file a complaint through this website.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Klarna AB (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

I sent XXXX a written notice stating that I refuse to pay the alleged debt. Despite my clear request, XXXX has continued to contact me, which is a direct violation of 15 U.S.C. 1692c ( c ). This section of the FDCPA explicitly prohibits debt collectors from communicating with a consumer after receiving a written request to cease communication, except under specific circumstances outlined in the law. 

XXXX 's continued contact with me after my refusal letter has caused undue stress and has been a blatant disregard of my rights under the FDCPA. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the FDCPA and ceases all further communication with me regarding this debt. 

Thank you for your attention to this matter
Consumer complaint received 2024-06-11
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: Opportunity Financial, LLC (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2022-11-21
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. (PA)

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 name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CO)

I have tried to use my card which has a {$400.00} refund credit, but I am unable to do so online it tells me I must call their fraud security phone number when I do I verify all my information, including my Social Security number my security password my first name last name, birthdate and checking account number and they still will not verify my account. Therefore I can not use the {$400.00} credit on my account I have spoken to Two supervisors and no one can help me.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DataMax Corporation (VA)

- Creditor : XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$370.00} I recently received your correspondence dated XX/XX/XXXX. This letter is formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 
Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : *Original creditors full name and address *Date your company purchased said debt *Amount you paid for said debt *Date of last activity/payment, if any This is an official request for validation of debt, should you be unable to provide such proof and continue to report negatively against my credit, I will take action. Be advised also, that while an account is in dispute you must place the rating on hold. Continuing to report a disputed debt is a direct violation of the FCRA and will not be tolerated. 
Please provide Awaiting your information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX i received a camera purchased from XXXX, the camera had defects and was not functionally operational as intended. I that weekend opened up a case with Citi and was provided a conditional credit a few days later. I provided description and proof. 
On XX/XX/XXXX Citi sent me that they will investigate the issue after the CFPB complaint On XX/XX/XXXX I provided the PDF below called proof.pdf that shows proof the item was damaged and was not functioning as intended On XX/XX/XXXX, less than 48 hours they sent me " We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor, since we have not received valid proof of what was expected versus received, and any proof of return. 
Please contact the merchant to pursue this matter further. 
We now consider this investigation complete. '' This is after providing the visual proof that they requested! 
I then contacted Citi again via phone and an agent said they would reopen the case as he saw the proof in the images. 
On XX/XX/XXXX I got " We may be able to assist you if you provide us with a documentation showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit. '' Once again, referring to proof.pdf, XXXX refused to give me my money back and I could not refund the item. I then contacted Citi again and they said they would look at the case once more without the phone rep elaborating based on the proof i provided. 

On XX/XX/XXXX Citi closed the case for good with this note " We have reviewed the information you provided, as well as the information provided by the merchant. Unfortunately, we are unable to continue your dispute as we have determined the merchant is unwilling to issue a credit. 
We now consider this investigation complete. ''
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (MN)

USBank informed me that they were charging late fees because I missed a payment, so I submitted documentation that the money was withdrawn from my account. I filed a CFPB complaint when I could not get them to allocate the payment and the response was to prove the check was cashed, so now I am re-opening a complaint and referencing XXXX with the documentation from my bank of the cashed check, and requesting ALL late fees charged be credited back to my account as this mortgage has been paid via auto-pay since it was opened. 

There were over {$600.00} in late fees I want to be credited to the account as well as the missing payment of {$950.00}. I am attaching both my bank statement and the cashed check documentation. As noted in the previous complaint, referenced above, this is NOT the first time USBank has kept the money and not credited the account.