davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK (GA)

An Erroneous account reporting on my Credit Report Dear Sir/Madam, I am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly 3 billion individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. In addition to the breach, I have discovered an account entry on my credit report. 

This entry is not only inaccurate, but I have never received a service nor product from company CRB/XXXX. This is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting. 

I am a victim of a Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. A fictitious account is reporting on my credit from CRB/XXXX, I have asked this company to provide information on how my information was received and provide me a contract from their company with my signature and a service or product I have received. 

To no avail have CRB/XXXX  provided me the requested contract with my signature. For this reason this is my reason for making a compliant with CRB/XXXX.I have contacted the credit reporting agencies to dispute the erroneous bankruptcy entry and requested a fraud alert be placed on my credit file. I have also monitored my financial statements for any signs of identity theft or fraudulent activity. Requested Action : I kindly request the FTCs assistance in investigating and they directed me the CFPB. Thank you for your time and assistance. 

Respectfully yours,
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: American Financial Resources, Inc. (TX)

Refinancing. On XXXX American Financial Resources provided a loan estimate which indicated approximately {$2000.00} in closing. We proceeded with them. By XXXX written and verbal communication with the lender indicated closing costs of approximately {$1300.00}. 

Three days before close on XXXX new closing documents were provided indicating closing costs of approximately {$7000.00}. 

Lender has been unable to explain the {$5700.00} discrepancy introduced between XXXX and XXXX. Lender attempted to coerce me into signing when I expressed I am uncomfortable with the changes made stating :
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc. (MD)

VALIDATION LETTER Date : XX/XX/year> To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/year> regarding account XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 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 may 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 in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 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
Consumer complaint received 2015-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

The " verification '' they sent me does n't list my name anywhere. It only lists " XXXX XXXX '' on the bill, which is not my name and never has been.
Consumer complaint received 2024-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (CA)

I believe the account is invalid. CLIENT SERVICES, INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


CLIENT SERVICES , INC . 
XXXX XXXX : XXXXXXXX XXXX XXXX # : XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC (ME)

I keep getting text messages from a number claiming to be credit control and stating that they are trying to reach me and they include a suspicious link. How do they have my private cell number? 
How do they think its acceptable and professional to text someones private cell number instead of mailing anything? I have never received mail at my address in XXXX from XXXX XXXX. I also have not found anything on my credit report stating I owe them.
Consumer complaint received 2024-09-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Milby Law Offices P.A. (KS)

I never knew I owed this debt. I never was notified of it and was 1 of 3 tenants who lived at this residence. I never knew about any past due amounts or anything about this bill. I letter was sent to my mother 's address stating there was a judgement and garnishment being sent to my employer. I don't even know how much they are claiming I owe on this bill.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am writing because i received a letter from the united states office of personnel management.XXXX. That state 's that they recently became aware of cybersecurity incident affecting it 's systems that Compromised my personal information, Name, Social Security Place of Birth and or current or former Address.That leave me to Think that monies in my account are being taken.
Consumer complaint received 2015-09-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX 2015 I noticed a charge using my debit card for {$380.00} dollars. I contacted my bank TD Bank and disputed the charge. The charge came from XXXX XXXX who I called prior to filing complaint and they advised me that they did not show me being charged this. I filed a complaint with TD Bank on XXXX XXXX 2015 and they reissued me another debit card. I explained to them at the time that I never authorized Direct TV to make any charges to my card outside of monthly bill that I would call in to pay for service. Any how TD bank sided with XXXX XXXX and that was that for them. After calling around I found out why I received the Charge of {$380.00}. Prior to having Direct TV I had XXXX who had poor service in my area and with me traveling all the time I returned all their equipment and discontinued their service. This happen on XXXX/XXXX/2015 and I did not start up service with XXXX on XXXX/XXXX/2015. The XX/XX/XXXX XXXX merged with XXXX and They used my debit card to cover this charge from XXXX again who I never authorized to use my debit card. This is like someone hacking your account and taking whatever money they want and the bank saying OK. First this is a XXXX bank who should be bending over back wards for Americans if they want to operate in this country. Second and for the third time I never authorized this charge and even if I did owe XXXX money this is an improper and illegal way of collecting it. I feel the bank needs to be fined along with XXXX and XXXX.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Capital One has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

I disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2015-09-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I bank with Bank of America. A few weeks ago, I lost my debit card. I canceled the card on-line, and was issued another card. This card was linked to my checking account, but had a different card number than the lost debit card. A few days ago, I received an email notification that XXXX XXXX, a recurring auto-debit, could not process my payment of {$19.00} because the old card number did not work. I had not given XXXX the new debit card number. However, when I checked my bank account with BOA a few days later, the {$19.00} payment had been processed. I looked at the XXXX XXXX account, and sure enough, XXXX had my new debit card on file and had charged the payment. This transaction overdrew my account, and BOA charged me {$45.00} in fees. I spoke with a phone representative of BOA who informed me that this is a common practice. If a recurring debit is denied, BOA is required to provide certain companies with the new debit card information, regardless if the account holder authorized it or not. The representative would not reverse my fees. Unsatisfied with this answer, I visited a branch location in person. The personal banker was unaware of the practice of providing a company with a new debit card number without consent, and spoke with a manager on the phone. The manager was also unaware of this practice. After much debate, the branch officer reversed the {$45.00} fees. However, he still did not believe that I had not given XXXX the new card information myself. So ... I went home and did some research. Something called XXXX Account Updater will automatically update account information- including new card numbers- without consumer knowledge. I believe this practice should not be allowed to continue, and in no way truly benefits the consumer. It is a way for big banks and big business to further make a dime of the backs of the working class. Please investigate this practice For further information, please reference : XXXXThank you.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX case number is XXXX
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MO)

Made a purchase on my Best Buy credit card ( Citibank ) a little over 2 years ago that was approx. {$1000.00}. Have made regular on-time payments to date. I am a regular Best Buy customer so I periodically make small purchases for office needs and put on same card. The {$1000.00} ( 2-years ago ) purchase should have been paid off long ago. However, I was just notified I am being charged $ 700+ ( 29.9 % ) interest on that particular purchase because it had not been paid off. When I inquired where had all my payments been going for the past 2 years, I discovered they had been applying them to my ongoing purchases instead of the large purchase from 2 years ago. I now have a {$700.00} interest penalty on a {$1000.00} purchase. 
I thought the new credit laws were enacted to protect the consumer? This is not only completely unethical, but discourages customers to continue doing business with a retailer after a promotional purchase. 
I want my payments to apply to my promotional purchases first, or oldest purchase, not to ones with highest interest rate, such as current purchases.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (CO)

I have a Barclays XXXX Card with XXXX rewards. At the end of XXXX 2015, I called and made a payment and informed them that the next payment would be for {$2000.00} at the end of XXXX. I called at the end of XXXX to make that payment and they refused several times to accept that payment. They then informed me that I could only pay with an XXXX Bank account. On XXXX XXXX 2015, when those funds were transferred I made a {$2000.00} payment. I then noticed several days later that the credit limit had decreased by {$1500.00} XXXX 75 % ). When I called and inquired about this they informed me that due to financial stress, the credit limit had been decreased. However, this did not align with the information from my credit report and my previous dealings with them. In the past, I called and informed them when I would be making a payment and for how much. At all the stages during my relationship with the customer services representatives, I informed them of what was going on. Upon having this conversation with Barclays customer service, they informed me that due to financial stress the credit limit had been lowered. However, the {$2000.00} payment was the entirety of the balance of the card ( except for {$76.00} XXXX and there was never a payment that was more than 10 days late. If it was late, I always called and informed Barclays that they payment would be made on a certain day upon me getting a paycheck. Never was the payment more than 30 days late and never was a late payment reported to the credit bureaus. The credit reports actually indicated that the card was in good standing.
Consumer complaint received 2015-09-30
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (ME)

West Asset Management sent me a repayment plan request, which I completed and returned to the listed address. I agreed to make monthly payments of {$180.00}. WAM claims they did n't receive the documentation. I know for certain the documents were mailed to them. In the meantime, they have called repeatedly threatening me, saying they will see that my credit is destroyed and I will never have anything. They call at all hours of the day and night and they 've called my employer. Additionally, they 've capitalized the grants I received in the total debt amount. I 've discovered a disbursement error by the University XXXX XXXX Maine that has not yet been rectified. I want to pay my student loans in an amount that is manageable.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NATIONAL DEBT RELIEF LLC (IL)

I received an email on XX/XX/XXXX stating this would be the last action taken before they start garnishing my wages if I do not settle with them on 24 hours. It was from an email but the bottom has an attorney who's name isn't the same and then Nation debt relief and associates. I noticed that none of these match up when I tried to XXXX them. I also noticed this was not the first email I had from them. They had tried to contact me in XXXX and when I asked for them to provide validation, they did not and were very rude about how I must be very irresponsible to not know who I owe money to. There is also no phone number or address. Just correspondence via email
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NV)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX my cousin payed me back for dinner by sending me the money to my Venmo account. 

Venmo said it was marked as a goods or service My cousin and I communicated to them that it wasn't a transaction for a service or good, but it was a transfer between friends and family. 

They said it didn't get flagged for anything suspicious, that it was just a random hold that could take up to 21 days to be released. 

They couldn't do anything for me, as a CS rep.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

On XXXX XXXX XXXX XXXX XXXX XXXX I received an email from Venmo that my account has been closed and my balance of {$27.00} had been transferred to a different fund. This was my first communication from Venmo about the incident. I had not approved this transaction or account closure, nor had I ever received any other emails suggesting either would occur. I immediately tried to log into my account and failed ( as the account no longer existed ). I called right away, and spoke with XXXX XXXX in customer service who was able to identify that the company had closed my account for inactivity. I confirmed on the phone with XXXX that my last activity was in XXXX of XXXX. I asked XXXX why this would be closed without any notification to me first, and he indicated that normally the company does alert customers twice before closing accounts. I do not delete emails, so I have my communication history from Venmo and read back the recent emails I have received from the company ( dates and subject lines ). At no point had I received any emails from Venmo indicating my account would close. XXXX confirmed that he had no evidence that I had been contacted to warn me of the impending closure and to allow me to take action. At this point in time, he told me he thought he could stop the transaction and reinstate my funds in my account. I asked where the funds had been sent, and he thought but did not confirm on the phone that they had gone to an unclaimed property fund. Later that day he emailed saying that my funds had been sent to the XXXX XXXX XXXX and to contact them, which I did immediately. I heard back from them at the beginning of business hours on Wednesday, XX/XX/XXXX, and they indicated that Venmo still had the money in their possession and would for several weeks. At that point, I immediately followed back up with Venmo, and from this point forward received multiple communications with XXXX XXXX that the state has my funds ( according to them, they do not ) and that all customers are given XXXX notices before accounts are closed ( I was not, which was previously confirmed by a customer service rep at Venmo ). 

I am now out the balance from my account on Venmo. I would like the CFPB to look into Venmo 's questionable business practices, as they have effectively " frozen '' access to my own money for a period of multiple months until whenever the state gets it - an indeterminate length! - despite not following their own processes whereby I should have been notified in advance. I would further like CFPB 's help recovering my funds more quickly.