davidheineman/consumer-finance-complaints-large huggingface dataset:
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: ACIMA CREDIT, LLC (UT)

I am writing in response to your recent correspondence dated [ XXXX ], in which you asserted that the alleged late payments on my accounts has been validated. I am disputing the validity of this assertion based on my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666b, and Regulation Z, 12 CFR 1026.11 ( c ) .In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 

Under 15 U.S. Code 1666b - Timing of payments, creditors are required to credit payments to consumers ' accounts on the date of receipt, except when a delay in crediting does not result in any charge to the consumer. Additionally, Section 1637 ( b ) of TILA and Regulation Z provide consumers with the right to dispute billing errors, including incorrect assessments of late fees or charges.

I maintain that the alleged transaction identified as late was made within the timeframe stipulated by the terms of the agreement and should not have been considered late. Furthermore, I request that you provide proof, in accordance with the Fair Credit Billing Act ( FCBA ) and TILA, that demonstrates the validity of the alleged late payment.

Until such time as you provide conclusive evidence verifying the validity of the alleged late payment, I demand that you remove any negative remarks related to this transaction from my credit report and cease all collection activities associated with it. 

Please be advised that failure to comply with the provisions of TILA, FCBA, and other relevant consumer protection laws may result in legal action being taken against your company.

I expect your prompt attention to this matter and await your response.

Remove the follow accounts from my Credit report : XXXX # PAID : ACIMA DIGITAL FKA SIMPLE ACCOUNT # XXXX PAID : ACIMA DIGITAL FKA SIMPLE ACCOUNT # XXXX
Consumer complaint received 2023-04-19
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

According to Citibank, secured credit card was opened XX/XX/XXXX. Informed Citibank in XX/XX/XXXX this was not my account after seeing it on my credit report. Per Collection agency at the time, account was closed XX/XX/XXXX and I had no choice but to pay to get it off my credit report. informed agency it made no sense to open an account and then close it less than a year later and that it seems to be fraud but Agreed to pay XXXX dollars to have it removed, payment made XX/XX/XXXX debt was removed temporarily, then placed back on my report. XXXX I applied for a mortgage an found the debt back on my report. Called Citibank to inform them I already paid to have removed in XXXX and that this was not my debt, I have NEVER had or applied for a secured credit card from Citibank and was told I have no choice but to pay it because there are no notes on the account stating that I was paying to have account remove from credit report. Was then transferred to another department to pay debt AGAIN, but then informed by agent I would have to visit a branch to pay/ have removed. Visited Citibank Branch located at XXXX XXXX XXXX XXXX XXXX IL. on XX/XX/XXXX spoke to branch manager who sates she can't take a payment because the debt is not valid, there is nothing to post a payment to, told me to call XXXX number AGAIN, and tell them to remove debt. called the XXXX number back for the 4th time only to be directed back to the branch. refused to take any payment. So, I can't pay it or have it removed, and keep getting routed in circles.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (FL)

XXXX sent my account to collections after I paid the account off at the closing of my house. NCB has closed the account with only XXXX. XXXX account should be deleted completely since XXXX should have never sent to collections. XXXX this should be done with all credit reporting agencies.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For purpose.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

It has take said company more than 60 days to respond to prior complaints they arent reading the complaints they are using a system generated AI platform which the systems is deems it correct information. the XXXX XXXX XXXX I have asked the company to stop calling me to seized all contact me back XXXX. However, I am still receiving threating alerts from the credit card companys credit alert. Stating my credit score has gone done. even though they have charge off the account and written it off as a tax right out. This has caused me great stress health issues. I have called the XXXX XXXX was told the card was reopen and cancelled again XX/XX/XXXX previously it closed in XXXX. Account has been charged off and is a violation of my rights. 15 U.S C 1681 section 602 States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S C 1692C. Without the prior Consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Credit reporting agency is showing incorrect information account has been closed and charged off but is showing a late payment status of XX/XX/XXXX this is false information. Name on the card is incorrect. My Name is XXXX XXXX XXXX not XXXX XXXX XXXX this is a violation of my rights and is inaccurate if this account is not removed, I will seek legal action against XXXX XXXX and Experian for misleading information 15 U.S. Code 1692c - Communication in connection with debt collection. XXXX
Consumer complaint received 2022-12-10
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. (FL)

I wont hesitate to take legal action against YOUR COMPANY A consumer agent who used to work there told me you guys dont care and never take time to provide proof and never report accurate information AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX XXXX executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

Since I opened this checking account at Wells Fargo on XX/XX/2023 I never get my debit card, also I cant enroll into the online banking because the system requires that information because I dont have a XXXX ( im not XXXX XXXX ), I called several times to customer service and they denied the service to send me a new debit card to my address on file saying they cant verify my phone number ( same as the phone on the system ) This is the third claim I open here to have the issue fixed because im not in the XXXX to go to a branch. 
Just need the replacement debit card so I can enroll in the online banking.
Consumer complaint received 2022-12-10
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. (TX)

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  Balance details 0 % paid off Balance {$5700.00} Balance updated XX/XX/XXXX Original balance {$5600.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I have sent 3 different letters since XXXX of XXXX as well as called on XX/XX/XXXX to get validation of this fraudulent debt and ask until i get validation and a new investigation be done to remove from my credit in 30 days and none of those things have been done nor have they responded. CB/ XXXX XXXX. I filled a complaint again on XX/XX/XXXX with CFPB as well as contacted XXXX and made them aware what they are sending me is NOT VALADATION LETTER OF DEBT. At this time the debt has been written off they have not provided a 1099C or proof of debt in validation letter or deleted from my report.
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Spoke with multiple representatives in XXXX, XXXX, and XXXX, requesting assistance with XXXX  forbearance, was given the run around and a difficult process to complete for someone suffering with medical ailments, leading to a temporary reduction income. 

I was recently told I would have to fall delinquent and destroy my credit to get assistance however if I was initially qualified for assistance using the CARE ACT I would have been ok. I would like to be considered for a XXXX forbearance and have faxed over documentation to apply. Or any forbearance as I will be able to resume making regular payments in XXXX  months. At this time, due to XXXX I am working a reduced schedule which has caused excessive obligations to accumulate.
Consumer complaint received 2024-05-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC (FL)

On XX/XX/XXXX the following complaint was submitted : I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies. Following this complaint, the collection company marked the account as closed with the credit agencies roughly 10 days after the complaint was made. The company stated they would mark the account as disputed. As of XX/XX/XXXX, the collection account has been reopened and shows an active balance due, the record does not state that I have disputed the account either. Further, the company stated they would send me info on the account and that never happened and it has been over 30 days since my original complainXXXX XXXX XXXX XXXX XXXXXXXX XXXX continues to make false claims that a debt is owed when that debt has failed to have been verified. They are committing fraud at this point and the false claims have severely negatively impacted my credit- legally speaking, this is a damage and loss that I have full right to claim against them. Their actions are fraudulent and are construed to be harassment. They have failed multiple times to adequately respond to the dispute ( XXXX ) and they have failed to properly verify the alleged debt in the allotted time offered to them per FDCPA guidelines. Per FDCPA, FTC, FDIC and CFPB guidelines P & B Capital Group is in violation of Federal regulations and State regulations and must be ordered to close the account, remove all negative remarks from any/all credit reporting and end all collection efforts regarding this alleged debt. Prompt action must be taken to resolve this matter. The company has claimed twice now that they have sent verification documents to my address listed on file and listed within the prior complaints - no documents have ever been received, this company has yet again, made false claims.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX : Advenir at the XXXX XXXX Acct # : XXXX and XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title XXXX Commerce and trade Chapter XXXX Privacy subchapter I - Disclosure of nonpublic personal information SEC. XXXX - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Dear CFPB, Our mortgage loan is held by a company called Select Portfolio Servicing ( SPS ). We fell behind on our payments this year after I lost my job, and we are ( technically ) in default. We attempted to obtain a loan modification from SPS, but they refused to work with us, not willing to make any compromises on our previous predatory loan terms.

Earlier this year, a wind storm damaged our roof beyond repair. We took out a construction loan to replace our roof, and we also filled a claim with our XXXX XXXX homeowners insurance. Of the {$6100.00} XXXX XXXX allocated to replace our roof, our insurance coverage paid {$4300.00} with three separate checks. On XX/XX/XXXX, my wife and I both endorsed these checks and sent them to XXXX ( Hazard Insurance Claim Dept. for SPS ) along with all the other ( extensive ) documentation that SPS request concerning the roof replacement. 

In the meantime, we paid our roofing company the entire cost of the roof replacement from our roofing construction loan. Now SPS refuses to release the {$4300.00} in insurance remittances we sent to them nearly 3 weeks ago. Every time we call these guys to get our money, they come up with a new ( creative ) excuse why they can't release these funds.

We have another claim for interior damage for which we have yet to hire a new contractor, and we are worried how we will pay this new contractor when SPS deliberately delays the return of our insurance reimbursements. How are we supposed to pay our contractors with SPS sitting on our insurance money for such an extended period of time? 

Sincerely, XXXX & XXXX XXXX
Consumer complaint received 2022-12-10
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (OH)

American Express bank owner of Bluebird prepaid card has been withholding my direct deposit that was sent on XX/XX/2018 for {$1300.00} stating that they are having technical issues but can not provide an eta as to when it will be resolved. I have not had access to my paycheck which has made bills and rent late and they are still not assisting customers with a resolution. I have been lied to and hung up on when requesting a supervisor as well.