davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (KY)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX Revolving with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1500.00}. The original creditor is XXXXXXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from JEFFERSON CAPITAL LL with account # XXXX and a balance of {$850.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (FL)

XXXX  XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 XXXX years 15 U.S.C 1681 S-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 2024-09-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Subject : Request to Reopen Fraud Dispute on Gas Card Balance Dear Citi Bank Customer Service, I hope this message finds you well. I am writing to formally request that you reopen my fraud dispute regarding the balance on my Exxon Mobil gas credit card. I previously reported the transactions on this account as fraudulent and informed your team that my card was lost/stolen. However, I was recently informed that my claim was denied due to an alleged lack of a report regarding the card 's status. 

I would like to clarify that I did indeed report my card as lost/stolen at the time of the incident. It is crucial that my dispute is taken seriously and that the fraudulent transactions impacting my account balance are investigated thoroughly. As these transactions are not my responsibility, I request an adjustment of my account balance to XXXX. 

Additionally, I want to stress the urgency of this matter, as I am hearing impaired and can not easily communicate by phone. I kindly ask that all correspondence regarding this matter be conducted via written communication ( email or mail ) as I rely on these means to assist me. 

Further, I would like to highlight that reporting this balance as late or past due to the major credit bureaus would be a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 623 ( a ) ( 1 ) ( A ) of the FCRA mandates that a creditor must not furnish information to a consumer reporting agency that the person knows or has reasonable cause to believe is inaccurate. Since the transactions at issue are fraudulent, I trust that you recognize the implications of reporting this information inaccurately. 

Please confirm receipt of this request, and I urge you to prioritize this matter and conduct a thorough investigation. Your prompt attention to this issue will be greatly appreciated as it affects my financial standing and credit history. 

Attached is my secure email using my online account to try and resolve the issue but despite telling that I am hearing impaired and have no other means to contact the response to my secure emails was to call in using phone or TTY. See attached. 

Thank you for your attention to my request. I look forward to your timely response.
Consumer complaint received 2024-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I disputed this account with Medical Revenue service under u.s code 1681 I ask the collection agency to verify the debt the company sent a photo id that was issued in XXXX and expired XXXX the collection agency stated this id was presented the date of service I have never lived at the address listed on the id. The collection company stated the list of services validated my the debt was accurate they also never advised of my right to dispute the debt
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

In late XXXX and early XXXX, I initially requested that my escrow account be closed. I then received a check for the balance in the escrow account. I then requested that my escrow account be reestablished and, on XX/XX/ an new escrow analysis was done with a shortage and a new payment due on XX/XX/ I then requested that my escrow account be finally cancelled/closed. XXXX the chat section on the company 's website, it was confirmed that my escrow account was closed and that I would receive a letter in the mail confirming that this had been done. However, I never received such a confirming letter. 

Today, XX/XX/ I again entered a chat session on the company 's website. I indicated that I never received a letter confirming that my escrow account had been closed. I was informed through the chat that there was a note in the file indicating that I still wanted the insurance be part of an escrow account. I informed the chat session that this was incorrect and that I still wanted my escrow account closed The chat session indicated that they had gone ahead and closed the escrow account and that I would be receiving a letter confirming the closing in the mail. 

I was also informed that, as per my request, my automatic payment would be cancelled and that I would be making monthly payments manually. 

Due to all of the problems I have had regarding this issue, I want/need confirmation that ( 1 ) my escrow account has been cancelled and that my monthly mortgage payment will remain at {$1200.00} and ( 2 ) that my automatic payment has been cancelled.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (MI)

On XX/XX/XXXX an XXXX tranaction was mistakenly sent back to the Kraken XXXX XXXX  after withdrawl. XXXX XXXX for XXXX XXXX. 

Kraken support was contacted immediately for assistance in recovering the coins. 

Kraken acknowledged the receipt of the coins and said it will take some time to recover them the same evening. 

Multiple attempts to contact support have been unanswered for the past XXXX XXXX 

Whenever I start a new ticket to recieve an update I am referred back to the original ticket in which support refuses to respond on. It has been more than XXXX XXXX now with no resolution
Consumer complaint received 2017-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

All of the above listed items.I have XXXX to paypal over the past 12 mos to close my account and they autodrafted my checking acct at the time wo my consent randomly and willy nilly wo notice.This is wire fraud. When I confronted them repeatedly they kept throwing XXXX and automation in my face. I have served this company multiple times and they olny want to discuss in thier online email chat and over the phone-where a lawyer cant reach them.I have demanded they put responce in writing and they continue to throw mud in my face.THEY ARE NOT A BANK. They have no authority to EXTORT people for money, and yet they repeatedly do so. I have 5 pages of thier XXXX.I demanded account closure and here I am getting hit w extortion again. Ive notified XXXX XXXX and XXXX about the incident. paypal continues to autobill me and prevent me from using XXXX. This one-sided extortionist company needs to be put to bed. Consumers need options instead of corporate conglomerates. XXXX, XXXX, etc. are available and XXXX as well should allow customers to use them. THEY DO NOT. EVERYTHING GOES THRU PAYPAL.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account number : XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX, VA XXXX Dear Spring Oaks Capital, Thank you for providing the Bill of Sale, which demonstrates that you have purchased the alleged debt. However, while the XXXX XXXX XXXX shows that the debt was acquired, it does not fulfill the full requirements for validating the debt. I am now formally requesting the following additional documentation, as required by law, to properly validate the debt and demonstrate your legal right to collect : XXXX. Assignment Contract : A copy of the assignment contract between the original creditor and your agency, showing the transfer of the specific debt in question. 
XXXX. Cancellation of XXXX : Any documentation regarding the cancellation or discharge of this debt by the original creditor, if applicable. 
XXXX. Chain of Title : Complete documentation tracing the ownership and transfer of this debt, from the original creditor through any intermediary parties to your agency. 
XXXX. XXXX XXXX : Clarification as to whether there has been a judgment on this account, and if so, documentation of the judgment. 
XXXX. XXXX XXXX for the Purchased Account : The amount paid by your agency when purchasing the debt, to confirm whether the collection efforts are proportional and lawful. 
Applicable Laws for Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, upon request, a debt collector is required to provide sufficient validation of the debt, including documentation that demonstrates the chain of title and legal authority to collect. The Bill of Sale alone is insufficient without providing the assignment contract and other supporting documentation. 
Furthermore, under the Uniform Commercial Code ( XXXX ) XXXX, a clear chain of title is required for the transfer or assignment of debts, particularly when the debt has been sold or transferred multiple times. 
Violation of XXXX XXXX Laws Failure to provide the requested documents violates both : XXXX. 15 U.S.C. 1692g ( b ) : The FDCPA requires debt XXXX to cease collection activities until proper validation, including proof of assignment and chain of title, is provided. 
XXXX. 15 U.S.C. 1692e : The FDCPA prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Failure to provide the complete documentation implies potential misrepresentation regarding your legal right to collect. 
I expect that you will promptly provide the requested documents. Should you fail to do so within a reasonable timeframe, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will pursue any further legal remedies available to me. 
Thank you for your immediate attention to this matter. I look forward to your response. 
Sincerely,
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I want to file a complaint against USAA. Some brainiac at this company has activated 2 step verification on my account. I know this because I had to reset my Iphone to factory default settings. However, I still have my username and password saved in my phone. But USAA keeps sending my verification code to a previous number that I don't have. I have been calling them since the XXXX of XXXX to the time I'm sending this email. I have spoken to multiple people including supervisors. 

Only to get a call from the verification department to tell me that my XXXX permit I.D . couldn't be verified, and to call back and ask for a XXXX XXXX XXXX XXXX XXXX  ) by a XXXX Consultor. The young lady I talked to before sending this email stated to me that the dept within USAA that called me were the ones that were supposed to ask me those questions. I have been trying to get them to change my phone number so the system can send the code to the right phone number. 

My reason for sending this email is because when I signed up for USAA ; I didn't need I.D . for verification. So, why should they have the right to ask me for PII to verify I am who I say I am after giving them my USAA #. When I signed up they used ( maybe ) XXXX or XXXX XXXX some other verification protocol. I don't feel comfortable sending my I.D . like this. 

USAA can't tell me how long it's going to be stored nor how my PII will be destroyed etc.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

claim reference number XXXX, i lost {$6400.00} and i was given back {$4300.00}, wells fargo has not given me the other {$2000.00} i lost. Wells fargo also sent a letter saying We're writing to confirm that the transactions below have been withdrawn from your claim, as you requested. We will continue to research the remaining transactions, which i never said or asked them to do.
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (RI)

XXXX became aware of interest rate law that prevents excessive interest rates. 
I contacted loanmart customer service. They basically stated that this practice of charging excessive rates is legal, and through cc bank.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My account got hacked it, had to close it and open a new account it got hacked, closed the whole thing after 60 something years being with the bank. Closed my home and auto account with the XXXX XXXX the home and auto the XXXX sent me a check for the home, somehow the auto was sent to the bank, I never authorized anybody but XXXX to pay my bills XXXX is saying a third person ( payment connection ) was authorize to pay my bill that's what the checking account was for in the meantime I'm in the middle I don't have my check for XXXX. I have no idea who this payment connection is.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I received an email from capital one stating as followed.. 

XXXX concluded our final review and confirmed the unusual activity on one or more of your accounts is inconsistent with our expectations for account usage.

Your Capital One bank account ( s ) will be closed.

Any remaining balance owed to youplus any interest earnedwill be sent to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed to the address on file.

Since then Ive called everyday trying to figure out the time frame on this process because I have {$5500.00} that I need asap I have kids!! all they keep telling me is that the decision to close the account is finalized but they dont have a time frame on how long it will take to close out the account officially that makes absolutely no sense and I want my money asap they already put me through hell for the last 3 weeks trying to unrestrict the account having me visit the branch several times times crying to the bankers and etc just to withdrawal my money!!! and now they still trying to give me the run again with the process of closing the account just send me my check now!!!!
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (KY)

Name : XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Incident Date XX/XX/XXXX Account # XXXX Routing # XXXX Bank : XXXX XXXXXXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

My name is XXXX XXXX I contacted you guys before about a XXXX credit card that I used to have I purchased some stuff and i didnt receive anything and XXXX  lied and said that they delivered the items to me when I wasnt home and the date that they told me i would receive the package they deliver the I teams 2 days earlier while I was out of state and when i contacted XXXX for them to do an investigation they did nothing but pick side with fedex against me and didnt even ask them to prove that the items was delivered to me because i didnt sign for anything and they say I did which is not true and now theyre trying to let me pay thousands of dollars for stuff i didnt get Im just asking you guys to not let them get me please theyre unfair and they should have done a proper investigation and they didnt to prove my innocence please didnt let them treat me unfair or take advantage of me
Consumer complaint received 2024-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

I did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : toyota motor credit : auto loan
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information regarding the alleged debt : 1. The name of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and charges.

3. Proof that you are authorized to collect this debt, either through assignment or ownership.

4. Verification of the debt, including copies of any contracts or documents that show I am legally obligated to pay the debt.

5. A detailed payment history showing how the alleged amount was calculated and whether payments have been applied. 

Until I receive this information, I request that you cease all collection activities related to this debt, including reporting this account to credit bureaus or pursuing legal action.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC (TX)

ROUND POINT MORTGAGE TOOK THAT ACCOUNT OVER. 

IT WAS NEVER A FIRT STATEMENT SENT. HOW DO I PAY? 

THEY REPORTED LATE. 

FAKE
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I requested ChexSystem to remove this from my report as the reporting company has no form to contact as they are no longer active, as well as no information available from the source for me to be able to settle or delete/remove. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I would also like to express this has effected my ability to secure a good financial institution to handle my business, as well as my personal day-to-day transactions.