davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (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 12 CFR 1006.34 ( b ) ( 5 ), 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 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 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 12 CFR 1006.34 ( d ). 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 15 USC 1681-S2 ( 7 ) ( A ).

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 2024-05-06
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: I.C. System, Inc. (SC)

Requested debt validation, and current status shows it being reported as open on all XXXX XXXXeports and company has not provided any information requested nor have they ceased reporting the alleged debt to XXXX, XXXX and XXXX. No knowledge of alleged debt and creditor.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates have not sent me full disclosures and have reported on my consumer report without properly validating any of the alleged debt. They have failed to properly investigate the accounts. Additionally, I have never given Portfolio Recovery Associates permission to contact me, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. They are refusing to remove the accounts from my consumer report. Can you please investigate Portfolio Recovery methods and unwillingness to abide by the Laws. 


Accounts. PORTFOLIO -- -- XXXX PORTFOLIO RC XXXX PORTFOLIO RC XXXX PORTFOLIO RCXXXX PORTFOLIO RC XXXX
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (DC)

XX/XX/21 I called company to follow up on likely a fraudulent charge since I had received a text saying bill was past due. 

They told me charge was not fraud but was annual fee. I told them to cancel the card and fees since I don't use the card. They said we can't. I asked for proof that they notified me as I had been on travel. Or if they sent something certified they said no. I said please cancel card and extra fees. I do not use the card. They said no. I escalated and this is still not resolved. I just want my card canceled and for fees and penalties to be removed.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
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: AMERICAN EXPRESS COMPANY (WA)

This is regarding dispute XXXX. It had an estimated resolution date of several weeks ago, and then it changed to today XX/XX/2024 yet it still has not resolved. I even submitted emails from the merchant where they acknowledge my items were lost and I am owed a refund, and I submitted XXXX tracking which stated that merchandise was missing from the packages the merchant sent me. I am still owed my money on this transaction and the chargeback remaining pending forever is insulting to my third party impartial XXXX evidence and the merchant 's own admission. I can only think that American Express is discriminating against me because I am XXXX and XXXX is a XXXX XXXX american comapny.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

Experian charged the Premium service fee to my credit card without my authorization. I do not have a Premium Experian account. When I called Experian they claimed they had never charged me but the charge very clearly appeared on my credit card statement. Today the same thing happened to my husband.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

This collection agency is harassing and calling me, in addition they are sending me letters. They also are reporting this as a new debt damaging my credit when it should not be reported at all. As stated in law : " XXXX agencies can not report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. They should also all be discharged on the same date XXXX years after the original open date ''. This collection agency has done just that and I now have to dispute the information with all 3 credit reporting agencies which is taking time out of my day, it is damaging my credit score and potentially effecting me financially causing undue harm.
Consumer complaint received 2024-07-19
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: PREFERRED CREDIT INC (TX)

The adverse rating on my account is a source of deep concern. I'm gravely worried about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, are significant and can not be overstated.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.
Consumer complaint received 2023-10-12
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. (NC)

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 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Caine & Weiner Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Caine & Weiner for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Caine & Weiner has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Caine & Weiner ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** Caine & Weiner has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Caine & Weiner , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Caine & Weiner and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Caine & Weiner. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am writing to file a complaint in connection with previous submissions against Bank of America. This complaint stems from a series of concerning interactions and systemic issues I have encountered with the bank, including but not limited to misinformation, discriminatory practices, and failure to properly record and address customer disputes. 

On XX/XX/XXXX, Bank of America falsely claimed that my account had been frozen by the State of Maryland Department of Labor. Upon contacting the Department, I was informed that they had not communicated with Bank of America regarding any such action against my account. 

In XX/XX/XXXX, I initiated disputes with Bank of America concerning specific transactions that required further investigation. Unfortunately, these disputes were filed incorrectly by the bank. Throughout my dealings with Bank of America, I have identified several systemic issues, including racism, misrepresentation, and a consistent failure to accurately record customer-provided information on serious matters. These issues have persisted without resolution. 

On XX/XX/XXXX, I spoke with a representative named XXXX, who acknowledged that she had provided me with incorrect information and issued an apology. This instance further underscores the need for a comprehensive review of the bank 's practices and customer service protocols. 

Moreover, Bank of America has continued to obstruct efforts and circumvent an enforcement action order issued against it on XX/XX/XXXX. In light of these issues, the State of Maryland directed me to its Ombudsman 's office for further assistance. 

On XX/XX/XXXX, I engaged with two representatives from Bank of America : XXXX from the 'check issuance ' department, and XXXX from the 'escalations ' department. My request to XXXX to file a complaint regarding the bank 's attempts to circumvent the aforementioned enforcement action was met with evasion, leading to my transfer to XXXX in the escalations department. Despite my explicit request, XXXX was unable or unwilling to confirm the filing of my complaint, offering instead to transfer me to a supervisor named XXXX within the same department. 

During a 40-minute conversation with XXXX, I detailed the issues surrounding the freeze on my account and filed four additional complaints related to security breaches by bank employees and racial discrimination. 

It is imperative that the CFPB investigate these matters thoroughly. I believe that a detailed examination will reveal the extent of the misconduct and systemic failures within Bank of America.
Consumer complaint received 2023-11-07
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: Experian Information Solutions Inc. (WI)

Was impacted by a purchasing scam, XXXX " XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX, entered into a lease and purchasing contract, he abandoned my property and cost me over XXXX dollars in payments and stolen property.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (PA)

In XX/XX/XXXX we entered the COVID-19 Relief Plan offered by Roundpoint Mortgage. Through XXXX we communicated at least monthly with Roundpoint regarding our status. In XX/XX/XXXX we advised we would like to begin making payments. In/About XX/XX/XXXX Roundpoint advised we would receive a detailed description of our workout option. We contacted Roundpoint in XX/XX/XXXX to advise we had not received any documents. We were advised we could not make payments until a workout has been agreed upon. In late XX/XX/XXXX, we finally received documents in the mail requesting information to apply for relief. We contacted Roundpoint immediately on receipt, on/about XX/XX/XXXX to review the paperwork from Roundpoint dated XX/XX/XXXX and were advised that the documents had expired. Agent advised or request would be submitted verbally and to disregard the documents. As of this writing we have still not been able to make a payment not have we received any agreement regarding a workout.

We understood from explanations from Roundpoint during our monthly calls throughout XXXX we would be able to get a forbearance on the XXXX payments at the end of the program, maintaining our current rate. We've received certified letters indicating Roundpoint reserves the right to foreclose. Our concern is we're being misled and stalled, and will be forced to take a foreclosure or a higher rate on a modification, similar to the situation recently described on XXXX for other homeowners who were in the COVID-19 forbearance program. It's now nearly 3 months since we requested to end our forbearance and each time we call Roundpoint we're advised to call back in 15 days. The solution we seek is to keep our current rate, add the outstanding payments to the end of the loan, and begin regular monthly payments as soon as possible. 
Thank you.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

The following letter was sent to USAA Customer Service and Executive Offices. I have contacted many employees with USAA and still await their action since the beginning of XXXX. 

Message sent to USAA : Good evening, I have been a USAA member since I turned XXXX XXXX XXXX. I have had so many issues with my card and account randomly freezing for the last several years, and until recently my husband and I just shared one card. I'm not sure why it's been so difficult to bank with USAA recently. 

On XX/XX/24, XXXX XXXX attempted to withdraw {$43.00} from my USAA checking account. They received an error message saying the account was frozen and the transaction was declined. 

I immediately called USAA and was told that there was an unknown log-in attempt, so a hold was put on my account. The agent advised that the account block was for my security but should not have occurred. He unblocked my account. I then went to XXXX  and they said I need a letter from the bank advising of the glitch. I currently owe SEVERAL additional fees and there are several issues with my account with XXXX XXXX because of you freezing my account in error. 

I simply need a letter for XXXX XXXX with the following information : Your first and last name The last XXXX digits of your bank account number The last XXXX digits of your routing number An explanation of this glitch and recognition of this action being done so on the bank 's side ( relating to the error code was 'Account Frozen '. ) We are strongly considering leaving USAA. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your understanding and assistance.