davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

I receive a letter from Nationwide Recovery about a medical bill I do not recognize. XXXX they send a response to my letter in which now has a XXXX  child name on it with a XXXX debt. Not sure when the debt was accumulated. Researched the statue of limitations is five years in Florida and asked them to send me authorization paper work from medical provider.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (OH)

I am a victim of identity theft. In 2019 my identity was stolen. My identity was stolen and used to collect unemployment that I never filed for. A police report was Made at XXXX XXXX Police XXXX. My information is still out there and someone tried using my ID on XXXX XXXX which resulted in a hard inquiry. upon further investigation I noticed third party collections on my report which is not accurate as well. No representative from any third party that is reporting information that is inaccurate and have not contacted me directly to confirm the assumed alleged debt. I have never done any transaction with any third party listed in my credit report. No signatures or acknowledgment has been made by me. I did not consent to owing any third party who assumed a debt by purchasing it from the original creditor whom they did business with. I am aware that the original creditor was paid through my unlimited credit and or trust set up in my name which now I own through the process of correcting my status. My agenda is to have all false reporting in my name to cease. On all credit XXXX reporting agencies.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX XXXX XXXX  and XXXX XXXX ( XXXX ) sent funds to my Bank of America account after the death of my husband but I didnt receive the funds because gave out a wrong routing number for wires XXXX instead of paper and electronic XXXX both belongs to Bank of America XXXX XXXX sent {$400.00} & {$3800.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX and the same amount {$320.00} on the conservative months until XX/XX/XXXX. So I reached out to the bank and they informed me that I didnt receive the money because I gave out a wrong routing number and the money was sent back to XXXX so when I called XXXX they sent me the statements of transfers and confirmed that they havent received the funds back and I should ask the bank to send me the evidence of the transfers because thats the only way they can resend the money. I tried reaching the bank in vain so I went through the XXXX XXXX XXXX XXXX XXXX XXXX and BoA last reached out to me in XX/XX/XXXX through their representative XXXX and promised to email the paper work that showed the money was returned but I never received the email and yes it was not in my spam. I called again and they said they will send it by mail in XXXX business days. I confirmed with them that they have my right mailing address but its been two months and Im yet the documents to send XXXX so I can get my money. 
They did this too in XXXX, XXXX when their representative XXXX XXXX reached out and promised to send me the evidence which I never received. 
This is issue has been going on for more than a year now and its been so frustrating. 
Kindly help.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Titanium Funds (UT)

Titanium Funds have reported my vehicle as paid off as of XX/XX/2022, this has negatively impacted my credit score as all of my on-time payments have not been recorded since XX/XX/20XXXX XXXX
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is reporting in violation as they have received multiple Opt out notices from me. 
5 U.S. Code 552a - Records maintained on individuals- No one but a government agency is to be in possession of an ssn. 

Capital One has reported my non public personal information in violation of the FCRA Account # XXXX As documented on the Federal Trade Commissions website, Per CRA 15 USC 1681 B ( Page 13 ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Capital One does not have my written consent 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (FL)

I am not liable for this debt with XXXXXXXX XXXX XXXX and I do not have a contract with SEQUIUM ASSET SOLUTION plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$770.00}
Consumer complaint received 2024-04-22
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: ALLY FINANCIAL INC. (FL)

According to my most recent credit report, i have hard inquiries that is currently reporting to the XXXX credit bureaus that I applied for credit with their organization. I did not grant anyone authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you.
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I am in the process of selling my home. Chase bank acquired the company I originally received a loan from. They have not filed my extension of credit, so the title company can not clear title for me to close. They also have not furnished any documents from their lien research department.
Consumer complaint received 2024-04-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute the presence of a vehicle charge-off on my credit report, account number XXXX, which I believe is inaccurately reported by XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a notice from NCB Management Services regarding the debt associated with the above-mentioned account. Subsequently, I made a payment to NCB Management Services in the amount of {$1500.00} to settle the debt in full, as per our agreement. This payment was made on XX/XX/XXXX and cleared on XX/XX/XXXX Despite settling the debt with NCB Management Services, I recently discovered that XXXX XXXX XXXX has reported the account as a charge-off on my credit report. This inaccurate reporting is damaging my credit score and causing me financial harm.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and creditors are required to report accurate and up-to-date information. As such, XXXX XXXX XXXX 's failure to update my credit report to reflect the paid status of the account constitutes a violation of the FCRA. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in unfair or deceptive practices, including misrepresenting the character, amount, or legal status of a debt. By failing to update my credit report after receiving payment, XXXX XXXX XXXX XXXX be in violation of the FDCPA. 

I am hereby requesting that XXXX XXXX XXXX promptly update my credit report to reflect the paid status of the account and remove the charge-off designation. Failure to do so within [ number of days ] days from the date of this letter will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

Thank you for your prompt attention to this matter. I expect a timely resolution to this dispute. 

Sincerely, XXXX XXXX Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Acct # : XXXX XXXX XXXX : NCB XXXX XXXX XXXX XXXX. 
NCB File # : XXXX Balance : {$3600.00}
Consumer complaint received 2023-06-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

To begin i routinely transfer funds from my XXXX  banking account to Citi bank. XXXX  receives all my direct deposits from my employer because of the early direct deposits. I got paid on the XXXX the usual 2 day before payday on the XXXX. 

- On the XXXX I initiated a {$1000.00} transfer from XXXX  to my citi savings account. Because it was a holiday the amount did not appear on the " on deposit " tab it still remained the current balance. So i tried to initiate a transfer with my checking to see if the " on deposit " amount will be added and nothing showed up. I assumed because it was a holiday it wont appear that day. That Wednesday i thought to check in and see what's the status because I received a 2 notification that 2 transfers were initiated. The first on went through to my citi bank savings and the savings account showed the on deposit amount {$1000.00} higher than the available balance which is usually what happens then after I wait a couple days and the full amount will be available. Unfortunately .I forgot i did the saame thing with my checkin and that day my balance was a negative {$970.00}. That second notification from XXXX  was an alert that the transfer was declined as i usually only put whatever amount i want to transfer from that pay period. I was unsure on how to cancel an initiated transfer so I thought nothing of it and it resulted in this. 

- This morning on XX/XX/02 I woke up to an email that my account will be closed in the next 60days saying " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX Account account, we found that you have violated the terms of your account per the client manual. '' I was on the phone with different people for 4 hrs. all telling me the same thing no real information and that its in investigation and once its closed they will mail a check within 60days -.I then found an number for their executive response team and opened up a case with them but no real answers today. They just said they ; ; have a response within 15 calendar days. 

- I don't know what to do. All of my money over XXXX is in my Citi savings with no access. I don't know what's going on and I don't have any real answers at the moment just being told to wait. I use this account to live my everyday life and pay bills i can not survive waiting i am extremely stressed and worried and would love any help on this.
Consumer complaint received 2023-06-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX XXXX has been hired by Hyundai Capital America dba Kia Motors Finance to collect a debt of {$6600.00}. XXXX XXXX has repeatedly called me and my relatives regarding this debt. I have expressed that I would like to communicate via mail and have continued to receive calls from XXXX XXXX. 

XXXX XXXX and XXXX XXXX do not currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

All communications should be made out to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX
Consumer complaint received 2023-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I recently contacted XXXX about multiple misleading accounts on my credit report. They still haven't fixed these issues. I'm down and out and missed multiple credit related products due to XXXX mistake. 

inaccurate reporting. 
Misleading false reporting this account is negligently and inaccurate reporting failing to comply to 15 USC 1692 ( g ) Under penalty and perjury, I swear this is account is false and misleading.

Under the fair debt collection practices act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1692 ( g )
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson capital sy {$2800.00} Original credit XXXX I have no more information about this company Every year they report me in my good credit, I do the dispute process, and it takes me a long time for them to remove it, this account is not mine or they opened it without my authorization, I have never done business nor am I aware of this account, This seriously affects my credit history, which is impeccable. I would like to no longer be contacted by this company and have my credit history no longer reported to me, thank you very much.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Adler Wallach & Associates, Inc. (CA)

15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It regulates how consumer reporting agencies collect, use, and disseminate consumers ' credit information. 
This is not my Address on this paperwork sent back to me and I DO NOT OWN A XXXX XXXX BY LAW YOUR SUPPOSE TO REMOVE THIS OFF MY CREDIT PROFILE. THIS IS NOT MY ACCOUNT, NOT MY ADDRESS AND I DON'T HAVE THAT CAR. I WILL BE FORCED TO TAKE LEGAL ACTIONS NEXT. IVE NEVER EVER DONE ANY TYPE OF BUSINESS WITH XXXX
Consumer complaint received 2023-06-28
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (CA)

I am writing to file a formal complaint against CREDIT COLLECTION SERVICES regarding their blatant refusal to provide proof and validation information regarding a debt they claim I owe. Despite multiple requests made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), CREDIT COLLECTION SERVICES has continuously failed to furnish the necessary documentation to validate the legitimacy of the debt. 

This refusal to comply with federal regulations has caused me undue stress and uncertainty regarding my financial obligations. Without proper validation, I am unable to verify the accuracy of the debt or assess my options for resolution. Furthermore, CREDIT COLLECTION SERVICES 's non-compliance with the FDCPA reflects a pattern of unethical behavior that undermines consumer rights and protections. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against CREDIT COLLECTION SERVICES for their failure to adhere to federal debt collection laws. I also request assistance in obtaining the necessary validation information to resolve this issue expediently and fairly.
Consumer complaint received 2024-04-20
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: CL Holdings LLC (TX)

On XX/XX/XXXX I was alerted that a collection for Jefferson Capital was on my report. I went and filed a dispute requesting validation of the debt and requested the original contract and details about this account along with payment history on XX/XX/XXXX. On XX/XX/XXXX I was notified the debt was validated but Ive received no response from Jefferson Capital. 

I submitted a complaint on their website and never received a follow up call or email. 

I contacted XXXX and they dont have anything in their system for me.
Consumer complaint received 2024-04-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute the inclusion of a collection account on my credit report, as reported by NCB Management Services , Inc . Despite the account being settled, it continues to negatively impact my creditworthiness. I believe this reporting is inaccurate and unjust, and I request that it be removed immediately from my credit report. 

I assert my rights under several consumer protection laws, which mandate fair and accurate reporting by collection agencies. Specifically, XXXX XXXX XXXX has failed to comply with the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information The collection agency has not provided adequate validation information, as required by this regulation. Despite multiple requests, they have failed to furnish the necessary documentation to validate the debt, which is a clear violation of my rights as a consumer. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Denial of Dispute Opportunity I have not been given a reasonable opportunity to dispute the account. According to this regulation, consumers are entitled to dispute the accuracy of information on their credit reports. However, XXXX XXXX XXXX has disregarded this right by refusing to engage in a meaningful dispute process. 
12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Violation of Consumer Rights The collection agency is engaging in false, misleading, and deceptive practices by continuing to report an inaccurate and settled debt. This behavior not only violates regulatory standards but also undermines consumer trust and confidence in the credit reporting system. 
Given the blatant disregard for consumer rights and regulatory obligations by XXXX XXXX XXXX, I am requesting immediate action to rectify this situation. I urge you to investigate this matter thoroughly and ensure that the inaccurate reporting is corrected without further delay. 

Please find enclosed copies of relevant documents, including proof of payment and correspondence with XXXX XXXX XXXX. I kindly request that you review these materials as part of your investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at the provided contact information. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX