davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT ( XXXX XXXX XXXX XXXX  ) in the amount of {$2200.00}, account opened XX/XX/year>. I am requesting that this item be removed as I am the victim of identity theft.
Consumer complaint received 2023-03-07
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: Medical-Commercial Audit Inc (IL)

Please provide proper documentation that you in fact a covered entity under HIPAA and the name and address of the original alleged debt holder. Pending my receipt of this information and in accordance with federal laws, cease and desist reporting to the bureaus.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

My taxes were deposited and available to my account per text message. On XX/XX/2023 I transferred money from a checking to a savings account that same day. The next day and the following days more transfers and some payments made to cash app. Majority of my transactions were transfers from my savings to my checking account with the biggest paymentbto vash app being {$1200.00} when I woke up on the XXXX of XXXX My my account was negative {$1200.00} when I called the bank They advised me that my account was negative on the XXXX in the amount of {$5500.00} because of a transfer from my checkingbto my savinging she said the funds were available but not posted at the time I transferred. My account went negative based on transfers from my savings to my checking or from my checking to my savings. However I know like with right now if my account is negative it's not gon na allow me to continue transferring money from one account to the other when I talk to the representative at Wells Fargo she advised me that my account was negative because of the way Wells Fargo processes the transfers and deposits. She told me that my account was negative over {$5000.00} after a {$4500.00} transfer and then I got a deposit of {$6600.00} which doesn't make any sense because I got a text message from them when the {$6600.00} deposit was made also I didn't have XXXX to transfer before I got that text. This is fraud there is no way that I should owe {$1200.00} based off of transfers. That I made from XXXX account to another when the backs will not allow you to transfer money from XXXX account to the other that is not available. I watched the money I transfered be removed from the balance as I make the transactions so I'm unsure how this money is owed when the money i spend shows u avaliable the moment I spend it.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hi; I opened a dispute with my bank trough CFPB under this claim number : XXXX They respond that will open the dispute and give a temporary credit, until now I dont have that temporary credit and also I dont have any letter from the bank of the status of the claim. 
Attached goes the letter from the bank of the original claim.
Consumer complaint received 2023-03-07
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: Upgrade, Inc. (NJ)

I have sent this company several notices of me being being a victim of identity theft and to remove their account off my credit report and they refuse to. I have mailed in several letters dating back to XX/XX/2022 I have also emailed them and called spoke to a representative and they continue to verify this fraudulent account on my credit report. I have provided a police report and a FTC report and agreed to conduct a 3-way phone call with the bank and the bank could not verify the account. And this account is charged off they are also reporting incorrect balance
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

Vance and Huffman is reporting an inaccurate collection account on my credit reports that I have disputed directly with them. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. 

In response to my dispute they sent me a letter stating that they would contact the original creditor for documents and would cease all collection efforts on the account which I have attached the letter below. 

When disputing an account from a consumer reports, the creditor has 30 days in receipt of my dispute to complete their investigation and send over all requested documents. I received their response on XX/XX/2023 which means they had until XX/XX/2023 to send over the documents they say they reached out ti the original creditor for. I have yet to receive any further information in the mail regarding this debt. Furthermore, once Vance and Huffman received this debt all supposed documentation should have been given to them. 

Its obvious that this account can not be verified and should be deleted from my reports. I am not sure why its still reporting when they stated they would be ceasing all collection efforts meaning that this account would be dropped from their office. I am demanding that this account is deleted from my reports now!
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

As of XX/XX/XXXX I have 8 XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX  Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (GA)

Chrysler Capital has not accepted my payment money orders as a Tendered value payment that I made payments to them on the car payments I have sent them a letter with a payment money order. I have Tender the payment Ucc 3-603 and 3-311 they have not acknowledged the payment as instructed by law. Chrysler Capital never informed me of the TRUTH IN LENDING A.K.A REGULATION Z- 12 CFR 1026. I have contacted them and I have tried to reason with them and I am still getting a refusal from them Chyrsler Captial and they have been threatening that they are going to repose my car if I don't send them another form of payment they are not accepting my money orders for the value that has been tender and sent they have violated my rights consumer rights 15 US 1605. From day one. when I first bought this car put a {$500.00} dollar downpayment on this car I never was told about consumer laws or handed any papers in my hand or given my full contract about any consumer laws when I got home and looked at my contract it only contained three papers one was RETAIL INSTALLMENT SALES CONTRACT, NON -LEASED VEHICLES ODOMETER DISCLOSURE AND GEORGIA LEMON LAW AND IN THE CONTRACT OF THE RETAIL INSTALLMENT PAPER IT SAID NO COOLING OFF PERIOD meaning I can not change my mind. I was deceived on all matters of this contract all my rights were violated I had been taken on a ride my consumer rights were violated 15 us code 1635, 15 us code 1602, and 15 us code 1605 were not told to me, or handed any papers to me on consumer laws. my name is XXXX XXXX Chrysler Capital account number XXXX for my car
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

On XX/XX/XXXX, PHH withdrew {$0.00} from my escrow account for " tax disbursement ''. I called, since my tax bill was significantly higher ( {$2300.00} ). I was told that the {$0.00} was just a placeholder for the actual bill. However, a new disbursement was put against my account on XX/XX/XXXX for the full amount. The {$0.00} was not refunded. I logged into my online account again on XX/XX/XXXX to pay my bill online. I found yet another {$0.00} charge to my escrow account from XX/XX/XXXX. I called PHH, was assured that they would investigate and requested a refund of both false {$0.00} charges and they would reply within 10 business days. I have received nothing, no contact, no explanation, no refund.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

As of XX/XX/XXXX I have 8 XXXX/XXXX  backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc. (NY)

I made 2 deposits over the last two months to Lead bank credit builder savings acct of {$30.00} each when I went to close the account they said I would only get {$46.00} furthermore they told they would hold the funds for 3 to 4 weeks meanwhile im a XXXX  citizen on fixed social security income with life threatening illness this is excessive hold is preventing from having food XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc (GA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account # XXXX * Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. * The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in GA has not expired. * Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My issue just occurred the evening of XX/XX/2020. The location ; XXXX XXXX XXXX XXXX of XXXX, Oregon. I stopped in to do a bit of window shopping and get some pricing on a new Truck. I had my XXXX XXXX as a trade in along with a {$5000.00} deposit. They informed me that they would have to run a credit check. I advised the dealership that I was currently restoring my credit and that I could not have anymore hard inquiries on my report because I'm currently working on getting my VA home loan in order. That requires a minimal credit score in order to qualify. I've worked my butt off for the past 3 years to get to this point. The moment I get everything paid off and ready to move forward to the next phase, these guys pull this shady business. I authorized only one credit check to be processed, and that was through the Federal Credit union I use. I had already talked to my bank in advanced about my plans on trading in my car and financing it through them. All was agreed on, and I set out to find my new truck. I guess the dealership had other plans for my credit, because even after I had told them, a half dozen times, that my credit only had room for maybe one more hard inquiry before disqualifying my VA Loan. I guess none of that mattered to them, because they went ahead and decided to push through every inquiry they could to find a financial lender. They did find a bank that would finance me, but it wasn't the one I requested. In matter of fact, the bank I requested, wasn't even put in the inquiry list of potential financial options. I'm not sure how legal any of this is, but I feel as if I was just cheated out of 3 years of dedicated work fixing my credit and to build a life. I've contacted the Dealership and in the process of contacting the financial groups to inform them of the unauthorized credit inquiry that was falsely allowed to be processed. Permission was given to inquire about my credit report for only one institution. It seams I was purposely mislead and provided false information by the salesman in order to complete the transaction regardless the cost to the customer. Again, I gave verbal permission multiple times for only 1 hard inquiry and no more. I was very adamant, and was never told anything about the 10 other companies that would also be given access to my report. Just doesn't make any sense. Why would they be so selfish? Even after being told that my credit could not handle anything more then 1 hard inquiry, they made the choice for me and chose to proceed with running unauthorized reports.
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (NY)

An XXXX card owned by XXXX XXXX XXXX has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the company asking for the fees to be reversed and for them to accept the payments and I await a reply.
Consumer complaint received 2023-03-07
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: AMERICAN EXPRESS COMPANY (FL)

My name is XXXX XXXX and all information stated below is to be accounted for as my personal statement. 
My identity and personal credit report were used without my knowledge or consent. 
The reporting of this information is in violation of the FCDPA 15 USC 1692c 805 ( b ) Which states : " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector '' My personal credit file is displaying information that is fraudulent and I have attached the Identity theft report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ), Subsection ( b ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

On XX/XX/XXXX - I called to let Portfolio Recovery that the debt appears to be fraud. I asked them to validate the debt by sending me the original copy of the contract that I signed and the bank account that was paying the debt. They told me that they didn't have access to all of the information that I asked for and will only provide what they have. I then asked for the laws of Alabama and FCRA and I was hung up on. I spoke to XXXX representatives : XXXX XXXX XXXX XXXX, and another one which is who hung up when I asked to provide the IP address or original contract to ensure that it is my account. Portfolio Recovery continues to say that it's my debt, but will only provide XXXX credit card statements and a seller notification. I want to see that I signed for this debt and no one has stolen my identity since there are XXXX other mailboxes beside my home. 

Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$560.00} XXXX updated XX/XX/XXXX