davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. 

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. 

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

I have requested proof that this information was mailed or delivered XXXX 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 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Dear Midland Credit Management, I am writing to formally dispute the validity of the collection practices associated with the account number XXXX, as handled by your agency. I believe that your recent communications with me violate 15 USC 1692j, which prohibits deceptive and misleading practices in debt collection. 

Specifically, I have observed several deceptive tactics in the collection letters I have received from your agency, including : Use of Varied Colors and Font Sizes : The collection letters employ different colors and font sizes in a manner that seems intended to confuse or mislead the recipient. Such tactics can create a misleading impression regarding the urgency or nature of the debt, which is contrary to the requirements of honesty and transparency mandated by the Fair Debt Collection Practices Act. 

Misleading Presentation : The formatting choices used in these letters may give a false impression of legal importance or legitimacy, which can unduly influence a consumer 's perception and decision-making process. 

Given these concerns, I request that you cease these deceptive practices immediately and provide a written explanation of how you plan to address this issue. Additionally, I request that you provide verification of the debt as required by law and ensure that all future communications adhere to the legal standards set forth by the FDCPA. 

Please address this matter promptly and confirm in writing that these deceptive practices will be discontinued. If these issues are not resolved to my satisfaction, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. 

Thank you for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Chex Systems claimed that the complaint I enter for Were unable to approve your application does not pertain to them. 

Once again, these company are LYING to the CFPB. Look at the below message from XXXX XXXX and who they based their decision. 

Again, this violates my Consumer rights 15 USC 6802 and another 5 or 6 USC statues. And each fine is up to {$1000.00} each. 

Unfortunately, we're unable to open your account at this time. 

We made our decision based on a number of factors, including information from ChexSystems, a consumer reporting agency. 
We encourage you to reach out to ChexSystems, because you have a right to a copy of your consumer report in the next XXXX days. While ChexSystems may not have information on your account approval status, you can dispute the accuracy of their report information. Please note : Chex Systems did not make the decision on your account application and is unable to provide you with specific reasons for the decision. 

Contact Info : Chex Systems Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX phone - ( XXXX ) XXXX fax - ( XXXX ) XXXX Products and services are offered by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please retain a copy of this message for your records.
Consumer complaint received 2023-06-26
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I have contacted paypal support on many occasions explaining the issue. At this point, i dont even want my XXXX $ or XXXX $ ( i dont even know exactly what it was, but lets say XXXX $ ) back ( a lot of money for me, but still, i just want the scammer to get banned ) i need the scammer to face some kind of consequences for doing this to me. And i dont know if they did get any consequences, since paypal didnt provide any info on their investigation
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (CO)

ACCURATE BACKGROUND REPORTING AGENCY IS STATING THAT I WAS RELEASED FROM XXXX, ON XX/XX/XXXX, ON TWO DIFFERENT XXXX. THE INFORMATION IS INACCURATE. THE ACCURATE INFORMATION IS NOT REPORTABLE, BECAUSE OF COLORADO 'S 7-YEAR LAW/RULE. 

THE ACCURATE INFORMATION IS, I WAS RELEASED, FROM XXXX ON XXXX ON ONE XXXX, AND FROM STATE XXXX, ON XXXX WITH THE OTHER XXXX. THE SECOND XXXX WAS A XXXX  OF XXXX XXXX XXXX XXXX XXXX, THEREFORE, TO REPORT THAT I WAS RELEASED FROM XXXX, ON XX/XX/XXXX IS CONTRARY TO REASON, WHEN ACCURATE BACKGROUND REPORTING AGENCY IS REPORTING THAT MY XXXX DATE WAS THE DATE OF, XXXX ALSO, BEING INACCURATELY REPORTED IS, I WAS XXXX XXXX XXXX, INSTEAD OF STATE XXXX, ON THE SECOND XXXX 

THE ABOVE INFORMATION IS NOT REPORTABLE, BECAUSE OF COLORADO 'S 7-YEAR LAW : Colorado Consumer Credit Reporting Act 12-14.3-105.3 states that records of arrest, indictment, or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years are not reportable. 

THEREFORE, THE ABOVE INFORMATION, ACCURATE OR INACCURATE, IS NOT REPORTABLE, TO THE COMPANY, FOR WHICH, I HAVE APPLIED. THE INFORMATION IS BEING UNLAWFULLY REPORTED, TO THE COMPANY, FOR WHICH, I HAVE APPLIED FOR EMPLOYMENT.
Consumer complaint received 2024-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (MA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint regarding Westlake Financial Services, which has reported an alleged debt of {$4800.00} on my credit report. I have no knowledge of this debt, have never had any relationship with Westlake Financial Services, and have not entered into any contractual agreements with this company or the original creditor. I believe this account is fraudulent. 

The reporting inaccuracies concerning this account constitute violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To address this issue, I request the following documentation from Westlake Financial Services : Authorization Proof : Evidence of your authorization to handle this matter under 15 USC 1692 ( e ) and 1692 ( f ).

Legal Basis : Documentation showing the legal basis for the collection of this alleged debt.

State Authorization : Proof of your authorization to operate and collect debts in my state.

Debt Evidence : Detailed evidence of the alleged debt, including any contracts or agreements with my signature.

Account History : A complete history of the account, including all collection-related charges.

I am also asserting that Westlake Financial Services has infringed upon my rights under several sections of the FDCPA, including : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations. 
1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MA)

Dear Hunter Warfield IncXXXX XXXX XXXX XXXX XXXX ; CFPB, I am writing to formally dispute an alleged debt of {$12000.00} reported on my credit report. I was in XXXX during the relevant period and have no knowledge of this debt, nor have I entered into any contractual obligations with your company or the original creditor. This account appears to be fraudulent. 

The reporting inaccuracies violate FCRA and FDCPA regulations. To resolve this matter, please provide the following documentation : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

Legal basis for the collection of this debt.

Proof of your authorization to operate in my state.

Evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete account history, including all collection-related charges.

I am also filing a complaint for violations of my consumer rights under the FCRA and FDCPA, including : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Per 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities related to this account. Additionally, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Please delete this disputed account from all credit reporting agencies immediately. Failure to comply may result in further legal action to protect my rights and interests. I require proof of this debt and your authority ; otherwise, please remove any erroneous reports of this debt from my credit report.

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: David Deep Law Offices (KY)

David Deep Law Office did not provide this information in his attempt to collect the alleged debt. I had no idea I had any rights to do so, until recently when I started looking into the laws myself. If David Deep Law Offices had informed me of my rights as required to do so, I may not have had to suffer all of his legal attacks against me. 

15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (TX)

I am following up on my previous complaint from XX/XX/XXXX. Under FCRA Section 605B, Credit Reporting Agencies are mandated to remove any items listed in an identity theft report, referenced by number XXXX. Attached you will find the necessary documents to aid in removing the erroneous personal information and unauthorized inquiries that have appeared on my report. The items opened without my consent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As stipulated by FCRA Section 605B ( a ), Credit Reporting Agencies must remove any consumer file items identified as resulting from identity theft within four business days of receipt.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc. (TX)

Have reached out to the company ( Self Financial ) Lead Bank on XXXX different occasions and they have stated that a new credit card has been mailed.And I should receive the card in 14 days.The card has now been generated with at least XXXX numbers because when I call they start a new card as if the card was lost in the mail.If a card was sent usually an email is sent to verify that it was mailed out.It is now about XXXX  month and a haft still no card.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

On XX/XX/year>, I sent a letter to Citibank to re-activate my savings account. I also requested that my account is to be closed and to send a check to my address. They activated my account, but did not close my account. In XX/XX/year>, I requested a new ATM card and they complied. On XX/XX/year>, I requested that my account be closed once again and was told that it could not be closed, because the account was inactive.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Loan # XXXX Dear Sirs, we are a responsible Real Estate owners, we have made several payments IN ADVANCE towards our Mortgage listed above for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nationstar mortgage company made several errors in applying these payments at first to the WRONG accounts, then to the interest and Principles, even though we talked to the Managers to ONLY direct our payments to INTEREST ONLY for the follow months. 
They attempted to correct the account ; almost every month to no avail. On XX/XX/XXXX we received a SUSPENSE NOTICE for XXXX ( XXXX XXXX ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we received another SUSPENSE NOTICE for {$6.00} ( including penalty and interest ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we contact the Manager demanding that correct our account according to pour Timely and in advance payments, he refused and he demanded that we pay immediately {$4.00} alternatively he will suspend the payment ( again )!! 
Manger admitted that an error from the company side did occur, yet he still demanded full payment from us!! Alternatively he will suspend the entire full payment for the month and harm our Excellent credit ratings!!!
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: Experian Information Solutions Inc. (NJ)

Upon reviewing my credit report, I noticed that this account has been inaccurately reported, leading to significant negative impact on my credit score. After conducting a thorough review of my financial records, I believe that this charge-off is incorrect for the following reasons : The account had been paid in full the balance on this account is XXXX and closed XX/XX/year>.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX I wired money from a XXXX XXXX account to a Wells Fargo account. 
on XXXX XXXX XXXX XXXX received a message from Wells Fargo asking if the intended beneficiary received the funds and was the wire valid. XXXX XXXX responded the funds were intended for XXXX XXXX XXXX and if the name on the account did not match to please send the money back. 

XXXX XXXX never received a response, but they received another message on XXXX XXXX asking the same thing. XXXX XXXX responded the same way. 

Wells Fargo has never responded to XXXX XXXX. Wells Fargo released the money into an account that did not have XXXX XXXX on it and the account was depleted.
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I called I.C. System Inc. reference no. XXXX XXXX XX/XX/year> and spoke to a representative about the debt not being mine. I have no contract with this company. I have never done business with the company. They are not registered to collect in the state of XXXX  to collect.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-16
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: SANTANDER HOLDINGS USA, INC. (SC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX South Carolina Laws Dear CHRYSLERCAP, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically South Carolina Code Section 16-13-490.

It has unequivocally come to my attention that CHRYSLERCAP has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law, specifically Section 34-11-110 of the South Carolina Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity fraud laws, such as South Carolina Code Section 16-13-490, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CHRYSLERCAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CHRYSLERCAP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 34-11-110 of the South Carolina Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and South Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CHRYSLERCAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.