davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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: I.C. System, Inc. (NC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (NJ)

I have an account with PayPal Smart Connect Credit since XX/XX/XXXX and I have been making the monthly payments online without checking the statements. I recently noticed that the balance was the same even though I was paying XXXX dollars every month. I went online looked at the statement and saw that part of my payment was going to interest and the other part was going to some other charge that I had no idea what it was. I contacted PayPal Smart Connect Credit owned by Synchrony Bank to inquire about the unknown charge and was told it was credit insurance. I told the representative I did not sign up for credit insurance. He told me he would cancel it. They sent me a letter saying it was canceled effective XX/XX/XXXX but never credited my account for the insurance payments that I have been paying unknown to me since XX/XX/XXXX. They were charging me XXXX per month.
Consumer complaint received 2016-12-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I arranged for bank # 1 to transfer my IRA account to bank # 2 that was paying much higher interest. The IRA Transfer Request I used included this statement : " If you are age XXXX XXXX or older, your required minimum distribution must be processed prior to transferring your IRA to bank # 2 ''. Bank # 1 failed to process the remaining required minimum distribution before transferring the IRA account. When I realized what happened and called them about it, they refused to admit they had made a mistake and refused to do anything to help me request the required minimum distribution from bank # 2.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

I have contacted Experian Multiple times by mail and found asking them to lift my fraud alert of my accounts I was in the process of rebuilding my credit and I was just playing it safe as of now they will not remove anything from my account which is preventing me to get any type of services phone service says loans credit cards in my name Im a XXXX person Im doing my best they give me the runaround..Im totally frustrated I feel that they are taking a vantage of me like I said Im a XXXX person I dont remember everything Ive sent them documents IDs so security numbers all of that and they still will not remove the fraud alert on my account which actually prevented me today of getting XXXX XXXX XXXX cell phone service since they took my money but then canceled the service because they couldnt identify who I was
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Im requesting that you validate the debt below.

This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation.
Consumer complaint received 2016-11-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC (KS)

I 've been trying to get Mortgage company who are supposed to be FHA approve lenders to do a streamline EEM with no success one company ( XXXX told me it did n't exist ) Incidently I started process XX/XX/XXXX They also ran hard credit check, the last company I 've dealt with again this guy lied before I even started with him, I asked if they did this type of loans he said yes otherwise I would not have bothered with him I gave him info of course he ran another hard credit check then he tried to get me to sign for a different loan product and told me then that their were being updated an he could n't guarantee he could do the loan this year, I am just very upset al I need to do was make my home affordable to live in I only needed was {$2500.00} and {$400.00} to pay the Energy Auditor, I tried to do this myself I had an accident XXXX ending up with medical expenses and short pay checks otherwise I would'nt be doing this. I also wanted to make it more live able because I have my XXXX sister living with me and the XXXX are hard on her. I may as well let you know that these inspections I believe are only good for so many days and I do n't know if I can get him to extend it. I would 've met the criteria for this FHA program. I do n't know if can take this run around and all these hard credit searches are hurting my score,!!
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC. (GA)

I sent Ally a cease-and-desist letter to Ally on XXXX which they received on XXXX I told Ally via the cease-and-desist letter not to contact me at all which was listed in the cease-and-desist letter but they have completely ignored the cease and desist letter and has continued to contact me repeatedly
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

I had and account with Coinbase and I lost access to my e-mail address. I informed them I could not access my account and they gave me instructions as to how to recover the account. I have done everything they have asked me to do and I still do not have access. I have been sending e-mails for almost a year and still do not have access to my account.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist of All Communications Account Number : XXXX Dear Jefferson Capital Systems, I am writing to formally request that Jefferson Capital Systems immediately cease all forms of communication with me regarding the alleged debt connected to my account ( Account Number : XXXX ). This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to demand that a debt collector stop contacting me regarding an alleged debt. 

Please take note that your company must also immediately stop all forms of direct or indirect communication, including phone calls, text messages, emails, and postal mail. I also request that my personal information not be shared with any third party without my written consent.

In the event that you believe this debt to be valid, I demand full verification of the debt under 15 U.S.C. 1692g ( b ). Until such verification is provided, any further contact or attempts to collect the alleged debt will be deemed a violation of the FDCPA. 

Failure to comply with this cease and desist request may result in my pursuit of all legal remedies available to me under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm in writing within 10 business days that you have received this letter and that all communication has ceased. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-10-28
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

THIS IS NOT THE FIRST COMPLAINT I MAKE AGAINST PENNYMAC. 
PENNYMAC DO NOT HAVE LEGAL STANDING, LEGAL CAPACITY OR LEGAL RIGTH TO CONTINUE ARRASMENT AGAINST ME AND MY ENTIRE FAMILY. 
THIS TIME THEY COMPLAINT WILL BE AGAINST PENNYMAC, XXXX XXXX, PHONE # XXXX, WHO ILLEGALY JOIN OR WAS HIRE BY PENNYMAC IN CONJUCTION WITH THE XXXX XXXX, BROKER NAME XXXX XXXX, LIC # XXXX XXXX WITH PHONE # XXXX. 
I ALREADY CONTACT MY CONGRESSMAN XXXX XXXX TO INVESTIGATE IN CONJUCTION WITH FCPB, TELEPHONE # XXXX, PERSON TO CONTACT XXXX XXXX DIRECTOR OF CONSTITUENT SERVICES. 
THE ISSUE IS NOT ONLY MY PROBLEM, IT 'S US D.O.J AKA. US DEPARTMENT OF JUSTICIE. THIS CONSTITUED STREAM FRAUD CONSTITUTE.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-05-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Today, I received U. S. Mail an XXXX credit disclosure, Confirmation # XXXX ; in which Capital One Bank under the context of being a " creditor '' XXXX XXXX 2016, has now circumvented the three Opt-out letters I wrote. I wrote all XXXX major credit reporting agencies - including XXXX U. S. Mail - as per the bottom of their enclosure in the " pre-approved credit card '' offers I complained to CFPB about. There is a blatant case of fraud here in impersonating a current creditor/debtor relationship to sneak into my credit report when no business relationship exists. I have never applied for any of the approximately XXXX bogus offers of credit. I have opted out before this was put on my credit report - in black and white on page XXXX of XXXX for CFPB review. It is wrong. It is blatant. It is illegal. XXXX clearly distinguishes this recent credit inquiry from others that are promotional in nature and which I have since opted-out upon. FCRA requires a legitimate business reason for such activity. I have tried to stop Capital One Bank, U. S.A., N.A., Accounts Receivable, XXXX, Virginia XXXX to cease and disist all communication with me and all third parties to no avail.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aargon Agency, Inc. (IL)

Company : Aargon XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX, NV XXXX XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( XXXX ), XXXX XXXX negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NY)

On XX/XX/2018 the residence at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IN XXXX, managed by the XXXX XXXX XXXX XXXX was leased and rented in my name without my knowledge. At the current time, I was a resident of XXXX XXXX XXXXXXXX and had been living solely in XXXX for all of my life, even residing in a XXXX XXXX in XXXX XXXX, XXXX XXXX  for two and a half years. There is no possibility that I could have leased this apartment and thus lived in the apartment either. I am currently being held liable for {$8400.00} worth of debt that is not mine. There are also many inconsistencies in the leasing agreement and ledger balance that pose an issue.
Consumer complaint received 2023-01-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (IL)

I'm a senior citizen over XXXX XXXX XXXX, I apply for a mortgage loan from Citi Bank they hold on to my loan application for more than 65 days, and on the top of that they force me to get an appraisal and insurance for the house that I suppose to purchase, before close the deal or pre approve letter, they made me loose {$950.00} for nothing and after all this wait they denied my loan base on lies and misinformation, I try to solve this issue with the company but I was not successful because I was dealing with a person by the name XXXX XXXX, he refuse to understand that Citi bank employees made a big mistake, when they force me to pay all this money without any pre approval letter and he blame me for their mistakes, Every bank will give you a pre approve or denial letter within a few days after you summit your taxes for the past two years then they will ask you to start spending money on appraisal and insurance and so on but not in my case. 
I lost {$950.00} for their stupid mistakes I would need your help to get my money back.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (LA)

This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( XXXX ) and by them! The collections were removed by Deversified on XXXX XXXX, XXXX and was removed by ( XXXX ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
1. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
Consumer complaint received 2023-01-18
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. (GA)

On XX/XX/2013 your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.
Consumer complaint received 2024-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cedar Holdings, Inc. (WA)

They wont work with me. They said I took out XXXX and now I owe over XXXX. They now are facing my job and trying to do a wage assignment garnishment and I cant have this. I tried to tell them I declined this and they are still contacting my work. I would like to just pay it off. I also dont even know if I really owe them a I have asked for the paper work and the electronic IP shows XXXX and I live in XXXX XXXXXXXX XXXX So Im not even sure if its what I owe. Help!!
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NY)

Documents were sent to US Bank for a loss mitigation review of the Making Home Affordable Program on XXXX XXXX, 2016. These documents were followed up by a call on XXXX XXXX, 2016 to confirm complete and received. They advised that the only thing that would be needed to complete this package would be a financial worksheet. This document was faxed to them within an hour of the request on XXXX XXXX, 2016. When US Bank was contacted on XXXX XXXX to confirm that this was received, the representative did not even know that it had been added to the file and the document was not reviewed until the call was placed to them. Since there was a foreclosure sale of XX/XX/2016 it was imperative for these documents to be reviewed in the proper 5 day time frame. When a call was placed on XXXX XXXX, 2016 the foreclosure sale was still listed when they had a complete package on file since XXXX XXXX, 2016. They are violating dual tracking by foreclosing on the property when the file should be in loss mitigation review.