davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (MO)

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear NCB, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that NCB, Account Number : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ).

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for NCB, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that NCB, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that NCB, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

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. 

XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX Capital 1 auto finance inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/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 the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I paid my debt of months ago and asked for the account to be closed. 
# 1 I never received a card in the 1st place but that is fine I used it in the store.

# 2 The company apparently didn't close acct.

# 3 the company said they closed acct but they charged me interest and fees then because I didn't pay it more fees are tacked on.

# 4 I asked for it to be reviewed she said no matter what they will still and always charge me fees. I said you can't do that. She said you can never close this line of credit and will always have fees. I asked you mean for the rest of my life I will incur fees and interest? She said yes and I hung up. 
The name is XXXX XXXX and XXXX XXXX XXXX acct number ends in XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

During the 2020 Pandemic I had lost my job and I was struggling to pay my bills I called XXXX XXXX XXXX and I was granted to have my account placed on a forbearance period in order not to have my account reported as late payments. - I was told I could pay over time at the end of the loan the 3 payments I was struggling to make in timely manner That was promised to me over the phone by the Customer representative that I called 3 times - instead I then discovered that my Account is been reported late for 3 times on contrary of what was promised to me by the XXXX XXXX XXXX Rep.

I paid always on time for 6 years my car loan - never a late payment besides the issue during the pandemic - I then successfully closed the account at the end of the Loan and no money are due to XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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: JPMORGAN CHASE & CO. (TX)

I used my Chase bank card to make a purchase using layaway for a puppy that I was to purchase in good faith. I paid XXXX for the layaway and I signed the contract that noted no refund. However, after my XXXX XXXX XXXX dog passed away 7 days later I went to go see the puppy that I placed in layaway and the dog was covered and smeared with urine so bad that the stomach was yellow. They had moved the dog to the back area since I was going to purchase and it was kept in unsanitary conditions according to my observation of the puppy. When I saw how filthy the puppy was I decided not to make purchase due to the XXXXiseases dogs can catch from other dogs urine called Leptospirosis. Remember I had just lost my other dog. I told the company I did not want the dog and that I would contact the bank. The company XXXX XXXX told me we don't give refunds. So I contacted Chase and they were assuring me that it would not be a problem in getting my money back after explaining this. In fact they gave me a temporary credit of the amount back to the credit card and in XX/XX/year> they reversed it back by charging me for the item. I never took the puppy, the puppy stayed at the business and I disputed the charge and Chase refused to give me my money back because they said I signed the contract. However, due to the defectiveness of the product not being as I observed it when I placed item on layaway I wanted my money back in full. I have disputed numerous times and they still refuse. I do not feel like Chase protected me after losing my other dog, I was going through grief considerably. I want my refund!!! The bank has copy of everything, I do not have any copies. It was purchase XX/XX/year> at XXXX XXXX for XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

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 information is inaccurate.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (MI)

On XX/XX/year> I sent a certified letter via USPS to NCB Management Services, I requested that they validate the account to which they say I owe. 

I requested a legible copy of the original agreement bearing my signatures which would state the amount that I agreed to pay. i.e. provide me with a purchase agreement between myself and them or them and the original creditor. 

After requesting these validations to be sent to me, I requested that all future attempts to collect the debt must stop. 

I did not receive proper validation but rather I was contacted via email with an offer to pay or settle. According to 15 USC 1692 ( k ) that is a violation of my rights under the FDCPA.

It has been nearly 40 days since I've contacted NCB Management Services and I have yet to receive proper validation of the account.

NCB Management Services has not provided me with proper validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

NCB Management Services- a collection agency has no authority to furnish an account to a consumer agency without providing any and all disclosures required by law and are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- S 2 ( 7 ) ( A ).

Due to several of my consumer rights being violated, I am requesting that NCB Management Services remove this collection account from my consumer reports immediately.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

i have tried to dispute incorrect information as payment history that i have never been late on the months shown and i have made on time payment as agreed on all my credit card accounts. AND ASLO PLEASE DELETE AFFIRM ACCOUNT FROM XXXX REPORT
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I got a XXXX dollar credit card in XXXX to help with XXXX purchases. 
I made some online purchases. 
They never sent me a paper bill. 
They have the wrong email address for me. 
The first I found that i owed them money currently was when i went through XXXX XXXX to find out that they want XXXX dollars from me and it is past due. 

I called up and my husband offered to immediately pay them the credit card limit of {$300.00} if they would remove all of the extra fees and report that it was their error that it was not paid on time. As they did not send a paper bill and had the wrong email address and never verified any way for them to get ahold of me. 

Their supervisor XXXX XXXX XXXX refused to discuss it with my husband even though i was on the line on speaker and repeatedly told him that i gave them permission and my husband had my power of attorney for this matter.
Consumer complaint received 2023-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (SC)

XXXX XXXX XXXX XXXX keeps calling claiming we own XXXX XXXX. We have a card on file with XXXX and they bill us every year. We have contacted XXXX and verified we don't owe them any money and have never had a late bill with them. We request a copy of the the invoice every time XXXX XXXX XXXX XXXX calls and they never send us anything. They call from the number XXXX. They just called again today XXXX and again we requested a copy of the invoice in question. We are getting tired of them calling our office with no proof of the money owed and never sending anything to verify the supposed money owed.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

I applied for a auto loan on XX/XX/2024 and got denied with Ally Financial. Regardless of the reason for being denied, I have the right to credit pursuant to 15 USC 1691a. Withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act and consumer credit protection act. Since you are denying me my credit for unknown reasons please remember that i am the original creditor pursuant to 15 USC 1602 and 15 USC 1611. Deny me access to MY OWN CREDIT is fraud & illegal pursuant to 15 USC 1691. Please reconsider my application. Thank You. 

Also this complaint will also be filed with the CFPB! 

XXXX XXXX XXXX XXXX  in Fact W/O Prejudice
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

On XX/XX/XXXX, my home was affected by a disaster. I applied for assistance with FEMA, so the XXXX declaration of a major disaster for the State of Illinois was issued which required that no mortgage company couldn't report any late payments to the credit agencies from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX there was another storm that hit Illinois. I was already under the order for XX/XX/XXXX, so Carrington Mortgage called me and asked if I was affected by the XXXX storm I said no so they took me completely off the program. What did my account have to do with the new storm? My home was already being repaired from XX/XX/XXXX damages. They tricked me to get off the program to charge me late fees.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

IMPORTANT : The Comptroller of the Currency Case # XXXX. 

My checking account ending in XXXX was robbed for most of over {$300000.00} of deposits since XX/XX/XXXX. I reported this to the XXXX, XXXX XXXX XXXX GA, and The Comptroller of the Currency. USAA announced a " data breach '' about XXXX  months ago. I am living in a type of financial poverty in XXXX, GA with my XXXX XXXX  one has severe XXXX XXXX There is no way that I spent, for example {$52000.00} in XXXX of XXXX with XXXX debits/withdrawals with nothing to show for eat other than a long grocery list, rent, and gas. My rent is only {$650.00} a month and my used car is paid off. Now {$52000.00} grand larcened could have been applied to the garnishment. I am certain that they are doing something fishy. For example, USAA office in XXXX XXXX, TX, XXXX, Washington and California and my XXXX account login recorded logins from those locations. Please help me out. 

Hi, I spoke to a USAA bank representative named XXXX because the checking account ending in XXXX was in " credit only '' status because of a garnishment from XXXX XXXX in XXXX account number XXXX ; XXXX. The credit only means that money can't be withdrawn or utilized. On XX/XX/XXXX they transferred a total of {$500.00} into savings account XXXX and checking account XXXX. The USAA representative in his own words said that checking account XXXX is not under garnishment and would remain in use. I spoke to them last XXXX  on XX/XX/XXXX about a few checks that hadn't cleared from XXXX. They said that they would clear on Saturday XX/XX/XXXX. They did clear but then the XXXX account was blocked as well. I spoke to XXXX USAA representatives today, one named XXXX, who said that she would not release the XXXX which is now also under garnishment but doesnt not have a {$0.00} balance like the other XXXX accounts that have holds as well. I spoke to the XXXX XXXX and they said that USAA has a few weeks to reply. There is not even {$1000.00} in all accounts combined. My business associate XXXX  already established a new deposit account with XXXX XXXX  which as far as I know is not under garnishment. I feel that the USAA bank is not fair and affecting adversely other members of my family. Please advise.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I, XXXX XXXX, the natural person and consumer, did not receive any information regarding this false debt placed on my consumer report by Portfolio Recovery Associates LLC, neither did I receive the information required per 15 U.S. Code 1692g ( a ). According to 15 U.S. Code 1692c ( c ) I refuse to pay the false debt.

Portfolio Recovery Associates LLC has failed to provide adequate verification of the debt. Portfolio Recovery Associates LLC has failed to provide : ( i ) Proof of the existence of the alleged debt and outstanding balance ; ( ii ) proof of a contract verifying Portfolio Recovery Associates LLC can legally collect ; and ( iii ) proof that Portfolio Recovery Associates is the current holder of the instrument which created the debt. 
Portfolio Recovery Associates LLC is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXXXXXX XXXX. yet Portfolio Recovery Associates LLC is the company listed on my consumer credit report. Portfolio Recovery Associates LLC claims to have purchased the alleged debt/transferred the debt from another company, XXXX XXXX XXXX Aside from the unsubstantiated verification of the alleged debt, this is a violation of law. 
Portfolio Recovery Associates LLC violated 15 U.S. Code 1692b ( 2 ) due to the company contacting a third party, XXXX XXXX, to communicate with XXXX XXXX, the natural person or consumer. A fictitious entity is unable to speak with a natural person directly without consent.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS (CA)

To All Concerned Parties, This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed with the XXXX major credit reporting agencies over the past several years about inaccurate information that they are reporting but to no avail have I received the chosen resolution. 
According to FRCA section XXXX it is illegal to report information on my credit report without my permission please remove this off of my credit report thank you.. 
These companies either doesn't care about the information they are reporting or they are more concerned with the financial gain they get from creditors paying them to report these inaccuracies..