davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Credit & Finance, Inc. (AZ)

This is a complaint from XXXX XXXX against Atlantic Credit and Finance for Atlantics failure to provide requested information for the debt alleged. On XX/XX/18 Consumer received a demand letter from creditor, XXXX. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

It has been over three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2023-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

I recently reviewed my XXXX credit report which indicated two collection accounts from Jefferson Capital Systems , LLC in the amounts of {$850.00} and {$540.00}. The alleged original creditor is XXXX. According to my records, I did not receive written notice of the debts from XXXX XXXX XXXX XXXX XXXX, and my right to dispute under the Fair Debt Collection Practices Act. As a result of their most recent actions, I have suffered great harm to my credit score as a result of these alleged debts being reported as collection items. Please note that I have filed a previous complaint against Jefferson Capital Systems , LLC in 2015 ( XXXX ) about the same issue regarding written verification of the debt and the right to dispute.
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I made a wire transfer of {$40000.00} from my XXXX  Business Account to my XXXX XXXX which used Citibank as an intermediary. XXXX charged a {$25.00} fee which I accepted for the wire transfer, and the XXXX  incoming transfer was going to be free. There was an issue with the wire transfer and Citibank as the intermediary returned the wire. 

When the wire was returned, Citibank had deducted {$40.00} from it. I have contacted both XXXX and XXXX and both banks have told me that this is fully on Citibank who took the funds. I am not a customer of Citbank and they give me no standing to even request a return of the funds. 

Additionally, at no point did I agree to this fee. When I agreed to the wire transfer, I only agree to the outgoing fee that XXXX charged me. This fee is hidden, not agreed to, unexplained and there's no way to return it. 

Additonally, were I to actually be a Citibank customer, the maximum they charge to receive a wire transfer is {$25.00}, so this is fee is pure robbery because a ) I have no way to get clarity on it b ) they do not give me a way to refund it c ) it was never agreed to d ) and they didn't even provide a service because the wire was returned. 



XX/XX/XXXX  WIRE REVERSAL B/O : XXXX XXXX FUNDS TRANSFER SAME DAY XXXX FL XXXX US ORG : XXXX CITIBANK N.A. REF : XXXX/OUR REF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX TRN XXXX AS XXXX BENE NAM E AND ACCT DO NOT MATCH LESS FEES TRN : XXXX
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

I opened this Conn 's account in XX/XX/2014 I was never late I asked several times when I made my payment on time to set this account in automatically payments and they did for was never informed that was only for 2-3 months and they removed it without my consent I still made my payments this account shoes charged off and it was not it was paid in full as agreed there's is late payments and incorrect information I need this to be corrected and deleted please.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (IL)

1. XX/XX/XXXX Mortgage provided terms on what was believed to be loan modification. 
2. XX/XX/XXXX work Mortgage company and a third party ( XXXX and also XXXX XXXX XXXX ) on mortgage payment in arrears. 
3. XX/XX/XXXX send in payments to mortgage company in the amount of {$2300.00} ( {$41.00} above mortgage companys stated amount ). 
4. XX/XX/XXXX Send in additional payments after not hearing from mortgage company or third party on loan modification terms. 
5. XX/XX/XXXX connect with mortgage company on needed documentation and terms. 
6. XX/XX/XXXX mortgage company informs me I need a subordination agreement from company no longer in existence. 
7. XX/XX/XXXX mortgage company informs me they are proceeding with pre foreclosure and I can do a short sale to make me whole with mortgage company. 
8. XX/XX/XXXX hired lawyer to prevent sale and put house on market for short sale. 
9. XX/XX/XXXX it was determined our house was sold in a foreclosure. 
10. XX/XX/XXXX my family and I vacated foreclosed home premises.
Consumer complaint received 2023-10-24
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. (NY)

Please investigate thoroughly the accounts that I disputed. I dispute XXXX XXXX, number XXXX. This account was closed on XX/XX/XXXX however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/XXXX and this has been highly damaging to me. I want this account deleted.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Subject : Revocation of Consent and Assertion of Rights under Fair Credit Reporting Act ( FCRA ) I am writing to you to assert my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations concerning the handling and dissemination of my private information. 

As per 15 USC 1681 section 602, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Moreover, 15 USC 6801 underscores that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish consumer reports solely in accordance with the written instructions of the consumer. I want to clarify that neither XXXX, XXXX, or Equifax nor any financial institution, including XXXX XXXX or XXXX, have my written consent to furnish my information. Any previous forms of consent, whether verbal, non-verbal, written, or implied, are hereby revoked and issued to cease and desist immediatly. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to exercise nondisclosure options, which has not been adequately provided by XXXX XXXX or XXXX. Additionally, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, which is clearly being violated in this case.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to avoid violations of FCRA.

Finally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, which I am exercising now. 

Therefore, I demand that XXXX, Equifax, XXXX and XXXX and XXXX XXXX cease any further dissemination of my information and take immediate steps to rectify any inaccuracies in their reporting. 

Please acknowledge receipt of this letter and confirm in writing the compliance with my requests within 15 Days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-30
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TN)

1.I have never had an account with this company XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SEARS/CBNA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (CA)

I bought my car through XXXX and the banking company was Santander Consumer Usa. The dmvs for a full year couldnt find information on my car while santander was collecting payments from me. Satander decided to close my account without my knowledge but I registered my car in my name. The dmv said there wasnt any leinholder and gave me the full title in my name. Months later, santander is trying to repossess my car. XXXX knows nothing and santander wont talk to me about the situation. The first time the tow driver left because i was able to show him my title. This time, my car was reposessed at night and wasnt able to show them my pink slip. Now XXXX XXXX is still ignoring me. 
All of the legal documents i own, including the title in my name only will be attached.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid 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: FIFTH THIRD FINANCIAL CORPORATION (FL)

on XX/XX/XXXX there were 3 fraud transactions in my credit card for {$30.00} and {$30.00}. I requested an investigation since these and prior charges were not done by me. I provided evidence the charges were not done by me. While 53rd bank conducted an investigation i continued to get charged fees and late fees on the balance of the account in dispute. XXXX  was afraid these charges were going to escalate so I paid off the entire balance on this credit card while they took their time to resolve the dispute on and on XX/XX/XXXX I requested the card be closed after I paid off the balance to XXXX. and waited to get my refund for the fraud charges. I had to continued to dispute and follow up with the banker at the branch and after so many attempts to talk to the fraud department I have no refund for the fraud charges I paid directly to the credit card from my checking account. Finally on XX/XX/XXXX I received notification that the XXXX and XXXX were credit back to my credit card which was closed on XXXX. When I called dispute depatment I was told i would get a cashiers check XXXX to XXXX business days and I waited XXXX weeks before following up with the banker to make the call for me since I lost confidence in my abilitiy to get help on my own with dispute dept : case number XXXX another case # XXXX. The banker at the local branch was also told the cashiers check was denied without any explanation and the dispute department hung up on him 2 times with me in the office. I dont have access to this credit since the the account is closed. i need my money. please help me.
Consumer complaint received 2023-12-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CA)

I am writing to you with a sense of urgency and frustration regarding the grave inaccuracies in my credit report. Your failure to report accurate information is affecting my ability to secure a mortgage and is also causing me a great deal of stress. I have discovered several errors on my credit report which are impacting my credit score, and I demand that you take immediate and necessary action to rectify them. I have done my research and I know that it is your legal obligation to investigate and resolve disputes within a 30-day period. The following are the inaccuracies that I have identified : XXXX XXXX XXXXXXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2017-02-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (AZ)

I had something showing up on my credit report from Central Financial Control but never received any notice from them. I sent a dispute through the credit report and it said to contact them, they wanted my Social Security Information, my address, etc. I asked them who the debt was with and they said XXXX Hospital. I told them that I was only seen there once in XX/XX/2014 and gave my HSA card. The girl said the debt is from XX/XX/2014. I asked them to send me verification/validation of the debt and she said no to fax a request in. I explained I never received any debt validation notification, I then said I disputed the validity of the debt. I have written them with no response. I asked when they originally sent me the notice of right to dispute this debt, she said she could not tell me that. yet this is on my credit report and I feel they are affecting me and causing me harm. This is an old debt. When I call XXXX they referred me to syndicated office systems, who referred me to Consumer financial. I have had the same address and phone number for 13 yrs. I asked them to mark my account as disputed and will be faxing a demand to remove from my credit report.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TN)

I am writing to file a formal complaint against Discover Financial Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around Discovers inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, Discover has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Discover Financial Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Discover Financial Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

Discover must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Andrews & Cox, P.C. (IN)

According to court records the company sued me for a judgement in XXXX. In XXXX I was diagnosed with XXXX and subsequently moved with a relative for supportive care. They sent summons to an old address that was returned to the court undeliverable. 

I filed for XXXX XXXX  bankruptcy in XXXX. During court preceedings to garnish my wages, they were notified I filed for bankruptcy. The garnishment order was stopped in XXXX. 

I bought my first home in XXXX. While trying to refinance my home in XXXX XXXX I was informed a lien was on my title. I then began to reach out to the company because this debt was discharged in the bankruptcy. I have received no response from the company.
Consumer complaint received 2023-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (MD)

AmericanCollectionsEnterprise is reporting an erroneous account to the credit bureau. I do not owe any money to AmericanCollectionsEnterprise nor do I have a contract with them. Furthermore, I do not owe any medical bills. This account is ruining my otherwise good credit score. I never received validation of this alleged debt. The only way I knew about this account was from Credit monitoring app. They have no right to cause such damage. It's unfair and illegal to report invalid accounts. Its been long enough. Please delete this account immediately.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Subject : Complaint Against Capital One Regarding Reporting Inaccuracies and Lack of Assistance During Financial Hardship Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting on my account # XXXX. Capital One has reported three consecutive months of late payments for XXXX, XXXX, and XX/XX/2023, despite my efforts to make partial payments due to unforeseen financial hardship that significantly affected my ability to meet the minimum payment requirements. 

During this challenging period, I communicated my financial hardship to Capital One in XXXX, XXXX, and XX/XX/2023 and attempted to manage my payments to the best of my ability, albeit below the stipulated minimum amounts. Regrettably, Capital One did not provide meaningful assistance or accommodations until three months later, offering a lowered payment and interest rate, which could have significantly alleviated my financial burden during the critical months of XXXX through XX/XX/2023. 

Enclosed with this letter are documents supporting my claim, including communication records with Capital One and financial statements demonstrating the hardship I faced during the disputed period. These documents serve as evidence of the challenges I encountered and my attempts to manage my obligations during this time. 

I believe Capital One 's delayed assistance and inaccurate reporting violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX Reform and Consumer Protection Act, which safeguard consumers from unfair treatment and inaccurate reporting by financial institutions during times of financial hardship. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I am seeking a fair resolution that includes a review of the inaccurately reported late payments and the lack of timely assistance provided by Capital One when I struggled to meet my financial obligations. 

I appreciate your prompt attention to this matter and kindly request updates regarding the investigation 's progress. I am willing to provide any further information or documentation necessary to facilitate a swift resolution. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX