davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (IL)

The XXXX of XXXX I was scammed over the phone by a call center pretending to be customer service. I was tricked into sending {$150.00} through XXXX XXXX. XXXX  XXXX told me to contact my bank, FIRST NATIONAL BANK OF OMAHA. I contact my bank the XXXX. Im told to wait. I contact them the XXXX of XXXX to file my claim. They do nothing with my claim even after nearly a week of talking to multiple employees and managers. Manager XXXX told me I would get my funds back on the XXXX of XXXX. But on the XXXX I received an email that my claim was dismissed because It was determined that your dispute is with a company that has not billed your account even though XXXX and many, many others know that I was charged. I told them to have a 3 way phone call with XXXX XXXX to talk to them and my bank told me no, closed my case, and told me Im too loud and immature. I also have recorded phone calls of my bank that they were made aware of during that I could send if needed.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (IL)

I have been visiting a XXXX, XXXX XXXX at XXXX XXXX for XXXX  sessions in the XX/XX/XXXX. At times, when I could not make the session due to health or other reasons, I had sent the emails in advance to the XXXX to cancel and reschedule the sessions. The XXXX had always rescheduled but never informed that there was a cancellation period or a cancellation fee. The facility was paid by the insurance company for the sessions, but the cancellation fee was applied to my account. No one from the facility, while I was visiting there, ever told me about those late charges neither did they mail any invoice to me. Till date I have no documentation about these charges from XXXX but these charges were straight reported to the collection agency named Professional Finance Company , Inc . The collection agency only called me but never clarified that these charges are just for the late fee. They never mailed any statement to me either. I called XXXX XXXX multiple times between XXXX through XXXX of XXXX too and was told that there is no outstanding amount. But the collection agency still kept calling me and eventually reported the 2 charges for {$100.00} each to the credit bureau. I find these late fee charges completely unfair and inappropriate and would request to be taken off. Thank you.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management , LLC has been harassing me with a fraudulent debt collection since XXXX of XXXX. And since that time up until now they have not complied with my request for verification bearing my signature. They have threatened me with court and I have also notices that on the letter head of every document that they have since mailed to me, the date is always inaccurate in order to make it seem as though they have responded earlier than the required time of 30 days to respond. I have already contacted the federal trade commission. 

CFPB, I implore that you help me with this fraudulent company and their erroneous claims, for they are in violation of the Fair Debt Collection Practices Act. 

On XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (TN)

have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PennyMac is my mortgage loan servicer. I have an FHA loan. I have a letter of approval for purchasing a future primary residence. I had placed my home on the market while visiting/researching moving to XXXX. I made a final decision to remain in my home. At which point I asked to apply for a FHA Cash-Out refinance instead, in order to make home improvements and bill consolidation ( Air Conditioner XXXX Storm Impact Windows, and to Pay off Federal Tax Lien etc. ). 

What I experienced was harrowing, in that I was being subjected to what I perceive as a service failure. I was denied/refused the ability to apply for an FHA refinancing loan. I would contact XXXX ( XXXX ) to get clarity on my concern. I received an e-mailed advisement confirming the lender policy was not in accordance with their guidelines. I then forwarded the email back to my lenders loan servicing agent. At that time only, did I receive an advisement, that what they were doing was legally condoned as a fair lending practice by my government. They had applied something I had never heard of in my senior years. They had applied a lending overlay which enabled them to apply their own lending/servicing preferences ( a FHA loan can not be applied for if your home has been on the market within the last 6 months ... initial verbal advisement later changed to 120days ).
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit report for XXXX and XXXX has the wrong address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

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 2022-05-05
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: Experian Information Solutions Inc. (NJ)

I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (LA)

I received a notification from credit reporting services that a Citi bna credit card was opened in my name and that {$95.00} was owing on it. I never applied for the card. I contacted Citi bna by phone on XX/XX/2024, and asked them to investigate this matter, since I thought that someone opened an account in my name. I told them that I did not open this account. They said that they would investigate. I have heard nothing from them. The confirmation number for my report is : # XXXX. I would like to have the card closed, owe nothing on the card, and have my credit restored since opening the card adversely affected my credit rating. 

I have reason to believe that Citi opened the card unlawfully in my name. I searched my email and their is no email from Citi. A confirmation would likely have been sent to me if the card had been opened. I suspect that Citi is unlawfully opening accounts. Otherwise, why no confirming email? 

Thank you.
Consumer complaint received 2022-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NH)

in response to you're company from the letter you have sent, and a pile of statements showing from synchrony bank. under the fair debt collection practices act ( FDCPA ) its unlawful to design compile and furnish any form knowing such form would be used and create a false belief in a consumer. that a person other then a creditor of such consumer is participating in a collection of or an attempt to collect a debt. such consumer allegedly owes such creditor when in fact such person is not such participating. ( reference 15 usc 1692 j ( a ) ) Resurgent Capital Services is making a belief that the company is collecting for Synchrony Bank by sending alleged statements when in fact if the creditor was in attempt to collect a alleged debt they would not have sold out the debt to Resurgent Capital Services. 

please provide and produce the following! 
.a contract that i have with Resurgent Capital Services to show i have any business to discuss. 
.total amount the Debt was sold for .audit trail for full accounting on and off ledger. 
.Name and address of the original creditor
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MA)

XXXX charge on XXXX XXXX Mastercard 0f {$2100.00} paid in full on XX/XX/22. Credited {$2100.00}. XXXX statement had interest charge of {$23.00} ( rather usurous ) which I did not notice so entire amount of {$2600.00} was paid on XX/XX/22. I was credited with only {$260.00} so interest of {$66.00} was added to my XXXX statement. I spoke to XXXX and interest charge was removed and I paid entire remaining amount on XX/XX/22. XXXX bill shows interest charge of {$25.00} which, I was told, was related to underpayment of {$20.00} ( because of bank error ) in XXXX and they would not remove it. This has been reported to credit agencies and has affected my XXXX score and card maximums. I have asked to review the XXXX and XXXX checks. I was told this would be impossible because checks did not exist anymore. I need help to remove {$25.00} interest charge and to have credit reporting companies correct their records.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally disputing the collection account reported by XXXX XXXX XXXX, also listed as XXXX XXXX XXXX, appearing on my credit report with XXXX, XXXX, and TransUnion. This account reflects an alleged debt of {$4300.00} with the original creditor listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy and validity of this account. I request that this account be removed and deleted entirely as it fails to meet the standards of verifiable and accurate reporting. Specifically, I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires the collector to provide a signed contract or agreement that explicitly contains my full signature and Social Security number to establish the alleged obligation. Without such documentation, this account must be deemed unverifiable and removed. Furthermore, I request proof of assignment or transfer of this debt from XXXX XXXX to XXXX XXXX XXXX. In the absence of proper documentation, this collection is not legally enforceable, and its continued reporting violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in their records. The discrepancies in the balance amounts ( e.g., {$4300.00} vs. {$4000.00} ) and the failure to provide closure or original agreement information further highlight inaccuracies. I assert that this account is inaccurate, unverifiable, and must be deleted immediately from my credit reports. Failure to do so may result in legal action, as continuing to report unverifiable or inaccurate information is a violation of my rights under the FCRA.
Consumer complaint received 2024-12-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

A long time ago I had XXXX XXXX XXXX for the Internet they are trying to say that I never returned the equipment and they are charging me for the equipment almost {$1200.00} at XXXX XXXX XXXX rep came to my house and personally picked up that equipment so Im confused as to why they never reported it Its been over XXXX years and now its hitting my credit out of nowhere. I am trying to file a dispute with this company because I do not feel like I should pay {$1200.00} for equipment that was picked up. I would like them to remove this from my credit and stop harassing me with phone calls.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/19 Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

Update XX/XX/XXXX : I am seeking interactions from an office / official higher than the advocacy advisor as XXXX XXXX has not adequately answered my questions to include at what times the purchases were made to evaluate if traveling between purchases was even possible. I have recently attached the police report to USAA 's documents section for further documentation detailing the fact that I did not authorize nor make purchases with the credit card. Police report number : XXXX. I have an above 800 credit score, have never had any issues with USAA 's team prior to this and am continuing and will continue to seek fair treatment and restoration of the purchases detailed below before seeking legal action. 

I have been banking with USAA since XXXX and have not have any issues with them up until now. XX/XX/XXXX going into XX/XX/XXXX there was charges that I did not make via credit card that I had in my possession. I contacted the bank immediately to let them know that I did not make those charges. The charges are as followed- XX/XX/XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and then XXXX XXXX and XXXX XXXX where charged on XX/XX/XXXX. After I was made aware of those charges i was notified that this was possible fraudulent activity. I contact USAA immediately to let them know that this was not me. The person i spoke with was able to take them off and the statement appeared to reflect these changes. They also recommended that I cancel that card and get a new one which I did and destroyed the old one. I got the new credit card and everything was good until XXXX around the mid month and got a call from XXXX and they informed me that I was responsible of the charges and that there was no way that anyone could copy the chip. On XX/XX/XXXX I get this reversal of charges other then the XXXX from XXXX was restored to the card. I contacted them again and I get long holds and no contact with the fraud department. I have spoke with them twice but they have told me that I was going to be responsible for the charges since I had the card in my possession. Police report number : XXXX.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CO)

Navy federal credit union has taken overdraft fee for 2022 XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} My account is low because every time I think I have money they are charging me fees. Your help is greatly appreciated Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX