vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX CREDENCE RESOURCE MANAGEMENT , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear CREDENCE RESOURCE MANAGEMENT , LLC, I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation. 

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ].

I demand that you cease all collection activities and remove this debt from my consumer report immediately.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I have never given XXXX XXXX the Athorization to my XXXX Information, this agency is now on my credit report. 
Also New American I have not given then approvel to run my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I have no payment due until XX/XX/XXXX. One Main has attempted to debit my account THREE TIMES since XXXX/24 for {$280.00}. I have reported this NUMEROUS TIMES ALREADY!! All of my checks have bounced for the last 2 weeks, because every time their hold drops off, they try to debit my account again. This is THEFT BY DECEPTION. You can delete these all you want. 
You tried THREE TIMES so this is THREE separate complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I just found out the class action lawsuit regarding those borrowers who filed bankruptcy may be eligible for relief. I have told this lender on countless occasions this loan has tripled in the amount owed due to the daily compounded interest. The programs to keep my account current are useless as only a small minimum amount is going towards the principal while the majority of the payment goes to interest. This is a vicious cycle where if I don't make the minimum amount as set by the lender then anything less than is fruitless. These subprime tactics has not only caused me severe financial distress but my credit rating has lowered substantially. Agents have only offered the solution that I should generate more income by getting another job or changing professions to generate enough money to pay the various loans. This may be a valid statement but at the time intrusive about my career decisions. So agents have the ability to give out unsolicited advice?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Am Requesting An Re - Investigation From Trans Union LLC concerning COMPLAINT ID XXXX. I am also Filing an Follow Up Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. According To 15 U.S. Code 1681i ( 1 ) ( A ) - Procedure in case of disputed accuracy ( a ) Re investigations of disputed information ; Re investigation required. In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which Trans Union LLC receives the notice of the dispute from the consumer or reseller. Reporting MY Personal Credit Information to A Non Affiliated 3rd Party Is Illegal. IF Trans Union LLC Failed To Honor The Federal Protected Consumer Laws And My Consumer Rights, Then The Next Step Will Be To Take Legal Action In Federal Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against NCB Management Services for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, NCB Management Services does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that NCB Management Services ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on NCB Management Services to deter similar violations in the future. 

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against NCB Management Services to delete all credit reporting immediately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Dear CPFB, I am writing to submit a formal dispute regarding National Credit Systems. This issue appears to violate the following consumer protection laws : 18 U.S.C. 8 : Identity theft and assumption of a distinctive name and means of identification 15 U.S.C. 1681b ( 2 ) : Fair Credit Reporting Act ( FCRA ) - Accuracy of information 15 U.S.C. 1681i ( 4 ) : FCRA - Investigative responsibilities 12 C.F.R. 1006.34 ( b ) ( 5 ) : Fair Debt Collection Practices Act ( FDCPA ) - Validation of debts 12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) : FDCPA - Description of charges National Credit Systems that is located at NATIONAL CREDIT SYSTEMS, XXXX XXXX XXXX XXXX, GA XXXX, in the amount of {$2900.00} and they are violating my consumer rights by using false misleading, misrepresentation and deceptive means. I am letting you know that I am disputing owning any and all debts to them. I am also revoking all your rights of communicating with me through email/text/calls. 

I am requesting debt validation. I am also requesting the purchase agreement between them and the original creditor. Lastly I am requesting that they furnish proof that they are licensed and bonded. Please consider this letter a formal complaint and respond within 30 days outlining the steps you will take to resolve this issue. Please remove this off my credit report and I reserve the right to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal counsel. 

Thank you for your time and attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
I have tried no less than 3 times to setup autopay.. get the confirmation of request but each month the billing statement comes I am not enrolled in autopay and my amount due shows less and not the full amount of My agreement. Multiple months now I am missing out on the autopay interest rate reduction and reps on the phone have been of no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I wrote to the 3 credit reporting agencies Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Regarding these two collections items added to my credit report illegally : XXXX. XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX- {$2900.00} I requested that they provide me proof and validation that this debt is mine. They are required by law to supply information to validate that this debt exists between myself, and the agencies noted above. 
These collection items are in violation of the 15 USC 1681b, Permissible Purposes. 
They didn't validate this debt, so they are required to remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I wrote to the 3 credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX Regarding these two collections items added to my credit report illegally : XXXX. XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX- {$2900.00} I requested that they provide me proof and validation that this debt is mine. They are required by law to supply information to validate that this debt exists between myself, and the agencies noted above. 
These collection items are in violation of the 15 USC 1681b, Permissible Purposes. 
They didn't validate this debt, so they are required to remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
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: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Loan Depot had a cyber attack issue causing their system to shutdown and 2 hour waits on the phone. Due to this customers were not able to make their XXXX payments online. I tried for several days to make the payment with no luck and eventually assumed payment would be due together with XXXX payment. Apparently their system opened back up on XX/XX/XXXX and they said they notified everyone by email. Theres no proof of such notification and I never received it. On XX/XX/XXXX Loan Depot reported my payment late and notified the credit beaureus. Although Ive never been late on a payment and this was caused by their cyber issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I had XXXX credit score and was never ever late on anything. Nissan Finance on my new car did not use my auto pay on my checking accounts linked in XXXX  2023. I had 2 checking accounts linked. Both should have worked. I did not see that it was taken after a month and called them. They already blocked my account and I had to pay from my bank now directly. they were rude, and not helping at all. immediately I lost XXXX points on my credit report. They are horrible people. I disputed it but did not get any results. Still waiting to increase my score day by they and now creditors are looking at more than 16 months to get back to where I was. It is impacting my life. These people are horrible, please help on my dispute. I am never late on anything and I want my credit score back on XXXX where it has always been. Please help! 
Thanks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Remove these inquiries at the earliest, as I have no knowledge of them, and the company proceeded without obtaining my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
I am a checking account customer of Northwest Savings Bank ( FDIC Cert XXXX XXXX XXXX. I have opted out of " overdraft protection '' and it has been long confirmed by the bank. They have ignored that and paid an electronic transfer without my consent. I have contacted them in-person and on the phone on multiple occasions. They refuse to refund the fee charged for that action, which is approximately 64 % more than the account overage they have charged. I feel it is violating section 5 of the Federal Trade Commission ( FTC ) Act ( Section 5 ), which prohibits unfair or deceptive acts or practices,4 and Section 1036 of the Consumer Financial Protection Act of 2010, which prohibits unfair, deceptive, or abusive acts or practices among other possible federal laws and regulations. If it is not, more laws or regulations should be required. I understand paying electronic transfers is common practice among some banks for customers who have opted out. The company has given me a final response on the phone with the refusal to accurately reflect the charge in my documentation/correct the error and/or ensure me that it won't happen again. They tell me, it doesn't matter. I am being charged {$37.00} ( for a {$24.00} overage ) if they paid it or not. The purpose of this complaint is to form a record of this activity by Northwest Savings Bank and the junk fees imposed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
I had insurance with XXXX in XXXX and canceled because I did not have the car. I got a new car and in XXXX starting shopping for cheaper insurance. I paid XXXX the amount owed and the new insurance premium. Never was I advised that this information was sent to a collection agency or that it was with a collection agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover charged my account off. I have not received a 1099-C from the company as this is now written off by Discover and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company Discover as well as the three major credit bureaus. XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I reviewed my consumer reports and noticed that my payment history is not correct. the consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. This account was paid in full. Please investigate and provide proof with statements showing that this account was settled for less then owed. If proof can't be provided I demand this account be updated as to paid in full or removed from consumer report. 
Please see attachment. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation