davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (VA)

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account. 

Furthermore, I have not been given the opportunity to dispute this account in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by XXXXXXXX XXXX XXXX XXXX XXXX  ). Such actions undermine the integrity of the credit reporting system and violate consumer rights. 

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor. 

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter. 

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.
Consumer complaint received 2024-02-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I got a secure loan, putting the title of my vehicle for it, and received a Loan Summary of how my payments would reflect on the Loan by the number of months. Yet, I was going to make the payment, and the amount reflected was more than what is shown in the Loan Summary. I called the company that provided me the loan, which is Oportun, yet they told me that it was because they had a daily interest rate, which was never said when I got my loan.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (SC)

Their phone lines do NOT lead to operations ; they go only to recordings. This has been the problem for more than 12 months. They only call after a complaint to your offer, which is a waste of tax dollars, your time, and my time. They do not reposed to 'Chat ' messages. It is a continuous sea to keep legitimate data out of the hands of consumers.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, I am writing to urgently address a matter of identity theft concerning my account with XXXX XXXX XXXX. I have recently discovered unauthorized activity on this account, which I have reported to the authorities and obtained a notarized police report as well as filed a report with the Federal Trade Commission ( FTC ). Despite my efforts to resolve this matter, I have encountered significant challenges in receiving assistance from XXXX representatives. Their handling of this situation has been both unhelpful and, regrettably, rude. Under Texas consumer laws pertaining to identity theft, it is imperative that swift action be taken to rectify this situation. As such, I am formally requesting the immediate removal of any fraudulent activity associated with my identity from the aforementioned account. Attached to this correspondence are copies of the notarized police report and FTC report for your reference and records. I trust that XXXX will adhere to the necessary legal procedures and promptly resolve this matter in accordance with Texas consumer protection laws. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

RE : Consumer Financial Protection Bureau Complaint ID # XXXX and the Office of the Comptroller of the Currency Case # XXXX Please reopen this complaint. My concerns were not addressed.Thanks to the CFPB for getting a response from Webster bank. I was ignored after I filed my complaint. Makes anyone wonder how many customers this bank treats this way. 
Webster bank must direct me to their policy of keeping external mortgage information in their bank records. No Webster bank loans were involved. I have discussed this made up information with another bank I use and they have never heard of any such policy. In addition, my mortgage documents have never been retained at other times when I did a wire transfer. 
Webster bank did not explain why my online access to customer service was shut off. 
Webster bank did not explain why all efforts to contact Webster employees to file complaints were ignored. The bank employees in supervisor roles ignored all my emails. 
Most important, which individuals or outside agencies were given access to my wire transfer information?
Consumer complaint received 2023-09-07
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. (CA)

In accordance with the Fair Credit Report Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my Follow-up 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2024-04-30
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. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

That on XXXX XXXX XXXX I sent a written notice to Department of EducationXXXX opting out of credit reporting. The Department of EducationXXXX has yet to respond to my demand.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I was alerted XXXX that there were suspicious charges on a business debit card/account. Upon receiving this information I looked into all my other accounts to see if anything else had been compromised. The only other affected account was a credit account through USAA that I had opened but never utilized and that still had a card that had never been activated or used anywhere. The account/card was added to a mobile wallet and the charge was for a high speed rail ticket in XXXX for {$49.00} on XXXX, nearly 5 months prior to my initial alert from USAA. I was never notified of this suspicious activity or charge. I contacted the fraud department on XXXX to address all issues for both accounts. I asked the representative how the information for the unused credit account could have made it into the " wild '' and if there was a breach within USAA since I was only having issues with this institution. The rep stated there was no way to know any details and that I should refrain from using bank issued cards online. 
Several months later while looking into another issue with USAA I came across posts/news stating that there had been a poorly handled breach at the bank that lasted 7 months from XXXX to XXXX. The breach included customers names, address, phone numbers, email address, date of birth, marital status, gender, drivers license number, last four digits of Social Security numbers, bank account numbers, including debit and credit card numbers, and PIN used to authenticate a member when they call USAA. 
I was never notified of this breach and have strong reason to believe it was related to the 7 month breach listed above mainly due to timing and the fact that it involved an account that had never been used in any capacity outside of the institution.
Consumer complaint received 2023-09-25
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2024-04-30
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I used a debt relief program in XXXXXXXX XXXX XXXX, and i was not satisfied with the program and i ended it in XXXX. I then have tried at least 5 times to get access to my account ( after XXXX ) to pay but they ( bank of america ) denied me access to my own credit account to do any changes. I could not log in, could not make a payment, could not do anything. They had given me at least XXXX different phone numbers to contact regarding me to pay off my credit but each time i gave them my bank info, they said " oh, you have to go to this department and they can help you '' ... 

I called them just now XXXX and she advised me that bank of america no longer has my credit with them and they " sold it off '' to somewhere even though I told them I am trying to pay it off. I have gotten no notice of this at all. I have only received the monthly statements from the bank of america XXXX account.. 

I want to file this complaint again because now not only will I be able to pay the credit for them, now my account is in collections even though my XXXX other credit accounts and companies they are apart of allowed me to log in and start a financial hardship payment plan. ( XXXX  XXXX and XXXX ). 

Due to BoA 's complete disregard of my efforts to log in and pay my credit account off I want the credit wiped from my credit profile on all credit reporting agencies.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America is suing me for not paying back medical bills while XXXX XXXX are flooding into our country by the hundreds and being given free rent, housing, and food money. XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to evaluate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Kindly investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-07-06
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TFC Credit Corporation of California (CA)

I contacted TFC back in XXXX  sometime and was struggling to pay because of the pandemic. I called the company and they said i need to contact the school in order to have my payments and they said they were going to contact TFC and ive heard nothing since then. Ive called in XXXX  early and late in the year and did the same thing to me. They just gave up on me. I have never been able to recover from it
Consumer complaint received 2024-04-30
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. (IL)

For the past nine months I have been submitting disputes online to the credit bureaus, ( all three, XXXX, Equifax and XXXX ) to remove an account from my credit profile that is NOT MINE. I HAVE NO IDEA what this account is, where it came from, whose it is, or why it is on my credit profile. This revolving credit card does not belong to me and is negatively affecting my credit profile. I demand, after nine months of disputing with them, that this be removed IMMEDIATELY.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (MA)

A collection account appeared on my report from a third party affiliated with XXXX called RECEIVABLES PERFORMANCE which does not belong to me. I was never contacted and this is against the FCR act. I am prepared to take legal action.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (IL)

Aidvantage is my new loan servicer for a parent plus loan. Their IDR plan is {$150.00} a month higher than my previous loan provider XXXX. There's no way I can afford repayment amount. It was a struggle previously ( prior to the gov't paused ). And now with the skyrocketing cost of living and exhaustion of savings I just can't afford the amount they are asking. I see no way of navigating around this to make payments. 
I'm am XXXX with a chronic illness and have other household expenses ( i.e. mortgage, car loan, other debts etc ) that prevents me from paying the full amount. My income has decrease since I retired 4 years ago, however, its not reflected in payment amount. I feel like Aidvantage is extorting money from me. Please help!
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY (FL)

Collection Agency Name Address City, State Zip Name of Original Creditor Address City, State Zip Name of Original Seller ( car dealer ) Address City, State Zip Re : Acct # XXXX XXXX XXXX XXXX XXXX Make of car : XXXX Model : XXXX VIN Number : XXXX To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions.

This vehicle was reported repossessed in the State of Florida on or about, XX/XX/2023, my payments have been current and up to date. My car is not repossessed, and is in my possession. 

According to the Fair Cresi Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly Delete all information that is inaccurate, incomplete, or which can not be verified.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.