davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I had to download XXXX  XXXX XXXX app on my XXXX XXXX XXXX XXXX. I was unable to do it because my XXXX region is XXXX. I had to change it to XXXX. To get help I searched on safari, apple customer care and selected a link that led me to a number XXXX ( XXXX ) XXXX. The person introduced himself as XXXX XXXX XXXX. He offered to assist me and was impersonating as apple customer care employee. He asked me to download XXXX assist where I shared my screen. He made me go through settings and verify my identity for changing my region and cancelling my subscriptions ( XXXX XXXX and XXXX ). He did change all these things and I am now able to change the region. But to verify my identity to initiate the process, he asked me to XXXX XXXX XXXX XXXX $ on Tuesday, XXXX followed by XXXXXXXX XXXX wire transfer stating we needed the money to show you as a real person in the XXXX to verify your XXXX ID as I didn't have an active SSN. The address was based in Nevada. He told me he stays in Nevada and works remotely and his office is in California. While doing all this, he also sent emails from apple support/ apple wallet. ( XXXX via XXXX ) They also sent me an email saying the money would be refunded both wire and XXXX. Following that, the next day they asked me to do another transaction through XXXX for XXXXXXXX XXXX  to get the refund back. After I did that, they asked for another XXXXXXXX XXXX which was my account balance to refund. That is when I understood it was a scam. I asked to speak to a supervisor and they changed their voice and accent to converse further. They called me and texted me non stop both the days and were constantly assuring and stayed in touch. They kept saying that XXXX will refund everything, this is a normal procedure. They used multiple accounts to get the money. They also asked me not to contact chase or do anything to my account as it would affect the refund process. they also gave an employee ID : XXXX. they also gave their supervisor 's employer id and name : XXXX XXXX XXXX, EMPLOYEE ID XXXX. The numbers for XXXX : XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX PA, XXXX XXXX, FL XXXX ( XXXX XXXX ) and XXXXXXXX XXXX from XXXX  XXXX XXXX via XXXX. Wire transfer : Quality garage, ... ... XXXX ( XXXX $ ) I vaguely remember the address being in Nevada. They also took my passport details in the form of photos. they had an XXXX accent and sounded like they were between XXXX years maybe. they said things like when I was in college I had my transaction of XXXX stuck as well so don't worry we will refund all your money you dont have to be scared. they also made me add the XXXX recipient as my name - XXXX. another number they used : XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

I had deposited a cashiers check at the Citi bank atm for about {$4500.00} for a family member that closed their account with XXXX bank and just wanted the cash so she can pay her bills XX/XX/year>2024. I was able to withdraw the money and XXXX, deposit and withdraw money in and out for 2 months. I had access to my account no problem. I did not receive no phone calls or emails nor letters within the mail from Citi bank about any fraud alerts. Up until recently XX/XX/XXXX my cards chip wasnt working only sometimes so I decided to get a new card at the closest Citibank branch near me. They were able to order me a new card and I was still allowed to access my account and make withdrawals and deposits. XX/XX/year>2024 I had went back to the same branch to see if I could receive a temporary card because I had no way to pay my bills. This is when I was told my account was flagged and undergoing an investigation for fraud because I deposited a check that was over {$2500.00} and didnt deposit it at the teller, I had no idea of this. They had previously sent me a letter regarding this, though I never received one. I am now being told I have to wait 30-60 days to receive the money that is owed to me in my account after their investigation even though my life savings are in there. I am a XXXX year old woman who has been on her own since XXXX years old. Ive worked very hard for everything Ive saved up. I am also a XXXX XXXX who supports their self and I have no access to my money to pay my bills which leads me to turn to friends and family members for loans that I have no way of paying back until 30-60 days.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Rausch Sturm LLP (TX)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX XXXX fax XX/XX/2018 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Re : XXXX XXXX XXXX XXXX XXXX Assignee of XXXX XXXX XXXX ( XXXX XXXX ) v. XXXX XXXX ; Case No. XXXX ; XXXX County Justice of Peace Precinct No. XXXX   Dear Sirs : I represent XXXX XXXX. We have become aware that XXXX XXXX filed the above- referenced lawsuit on behalf of XXXX XXXX XXXX XXXX XXXX . Although XXXX XXXX has not been served ( he has moved from the address you apparently have ), he is aware of this case.

Please be advised that the debt that is the subject of this case is not XXXX XXXX ' debt. XXXX XXXX never purchased jewelry or incurred credit with XXXX XXXX XXXX or XXXX XXXX. He does not live in XXXX, never shopped at XXXX XXXX and never authorized the use of his credit at XXXX XXXX. In fact, a couple of years ago, XXXX XXXX received a telephone call from XXXX XXXX about this debt and explained to them that they had a wrong person and that apparently XXXX XXXX had been the subject of identity theft.

Accordingly, we demand that you immediately file a Motion to Dismiss the case with prejudice, immediately remove all negative activity with all credit reporting agencies and cease any further collection efforts. If XXXX XXXX is forced to defend this lawsuit, he will seek recovery of all expenses, including legal fees, expenses incurred in connection with repairing his credit and all other damages to which he may be entitled due to your erroneous reporting to the credit agencies and the filing of this lawsuit. XXXX XXXX will also report this action to the Federal Trade Commission and the Consumer Financial Protection Bureau.

Please forward file-stamped copy of the Motion to Dismiss and evidence of corrected reporting to the credit agencies to this office within ten days of the date of this letter.

XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/2018 Page 2 Thank you for your prompt attention to this matter. Sincerely, cc : XXXX XXXX XXXX XXXX XXXX The jewelry store received the certified letter and to this date has still not dismissed this case. I have been contacted by XXXX at XXXX XXXX who for additional fees will get this case dismissed. She is aware of this mom and pop jewelry store because other clients had their credit violated even though like me had our credit blocked from all three credit agencies.

XXXX XXXX   new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX.
Consumer complaint received 2018-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc (NC)

I filed a complaint against AD ASTRA RECOVERY SERVICE with the consumer financial protection bureau. I was told from a representative that if I did not authorize this account from XXXX XXXX that I need to file a FTC Identity report. So, below I have attach the report.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (LA)

In accordance with the fair credit reporting act Citibank N.A. - # XXXXhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Citibank N.A. XXXX 15 USC 1681 Section 602A. States I have the right to Privacy. And according to 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) 1. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete.

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Citibank N. A. XXXX XXXX  Signature XXXX : XXXX
Consumer complaint received 2018-06-20
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. (FL)

I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, Experian, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, Experian, XXXX.
Consumer complaint received 2024-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (GA)

I am trying to purchase a home. So my Lender is running my credit.Once he look over my credit report he gave me a phone call. He wanted to know if had time to speak with him about my credit report. And i said yes. This was when he went over everything on the report. But it was a company that was on the credit report that he ask me about. 
An unsecured account that was open on XX/XX/year>. In the amount of XXXX dollars that was past due. As of XXXX of XX/XX/year> the account was update in the amount of XXXX balance. 
Once he told me about what company it was. That's when i responded i don't know about that. I was not aware of this company at all on my credit. I told him i never had an account with that company at all.He wanted me to find out what was going on as far as the company is concerned. So he gave me XXXX different accounts numbers. This is when I called the company to discuss what was going on with my credit. The lady from the company wanted my personal information such as my first name, last name, email address, and date of birth and the phone number to the account. As I began to give her my email and when I got to the phone number which I had been using for XXXX years now. That was when she informed me that the information was not correct. Then she goes on to say what's your email address? When I provided the email address she told me that it was incorrect. I told her that is fraudulent activity. And I want to dispute the transaction on my credit report because I didn't do it. And she informed me that she couldn't do anything for me without the correct information.
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (SC)

I requested information about my student loan origination date, terms and the total amount due. Navient was very slow to respond, it took months and repeated emails. 
The inquiry was in response to the student loan forgiveness program that President Biden started in 2021. Navient responding stating that I didn't qualify. I sent another email asking about student loan forgiveness based on the fact that the loan was over twenty years old. During the time of the loan. It started out as a Sallie Mae loan and then sold or changed to another lender. Since this time, the loan was advised for deferment several times by the loan company. No mention of a income based repayment plan. During the time when loan payments were on hold to Navient, interest was accruing. All payments to student loans were paused by the Biden Administration during covid without interest or penalties. I continued to make full payment to my loan requesting the the amount be applied to the balance in a note on the payment check. Navient continued to charge me interest during that period. Now my loan is changing to another vendor from Navient.. I would like some help. My loan amount is still at {$20000.00} twenty years later.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kikoff Inc. (MO)

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, MISSOURI, XXXX ] [ XXXX ] Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my identity theft report and proof of my identity. A copy of Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MISSOURI, XXXX ] Copy of Credit Report
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CT)

i sent in my normal payment on time and with escrow as i have done for the past 4 years, {$1700.00} i wasnt aware that my escrow was short so i continued to send {$1700.00}. they held my payment in escrow until the following month ( XXXX ) to aplly it to XXXX payment and repeated to do so for 2 months until i realized it was short and paid the balance immediatly, my credit score dropped almost 100 points due to this slight error
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

On XX/XX/18, my car window was smashed and my entire purse was stolen. My wallet with all my money, credit cards, ID and checks. While at the scene with the Deputy who was writing the report, my DISCOVER card was used at a gas station ( I had received an alert on my phone ). At that exact moment, I told the deputy AND I called DISCOVER to report the fraud/crime. I explained to DISCOVER what had happened, I explained I was at the scene of the crime and that during that time, my card was used at a gas station for about {$44.00} worth of gas. The rep at DISCOVER seemed very apologetic and right away they closed the account and reported the fraud. I gave the rep the POLICE case number, the POLICE phone number AND the POLICE Detective 's name. The rep assured me that I would be protected and NOT be responsible for the FRAUDULENT charge. Fast forward 30 days, DISCOVER continuously failed to return the calls of the DETECTIVE working on my case. The DETECTIVE was able to track the FRAUDULENT purchase along with a video of the perpetrators.However, DISCOVER refuses to return the calls of the DETECTIVE and  investigate the fraudulent charge. I mailed DISCOVER a copy of the police report as well. As of today, XX/XX/18, DISCOVER refuses to acknowledge the FRAUD, investigate the case and denied my claim stating that I am responsible for the charge. After all that was/is provided to DISCOVER, and the DETECTIVE 's calls and report, they have IGNORED it all. DISCOVER has refused to follow through on all of the information and investigate this matter properly. Yet, DISCOVER " claims '' to protects its customers/clients. I need DISCOVER to honor the FRAUDULENT charge, reach out to the DETECTIVE on this case and properly remove this charge and clear my name/credit.
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (OK)

Woke up this morning XX/XX/year> to a frozen bank account with sofi, it said to call XXXX. They did not provide a reason why my account has been frozen, nor how long it would be frozen and would not connect me to someone who could explain this information to me. I realized it was frozen when I tried to pay my utilities bill today and could not do so despite having the funds. Additionally I have tried opening an investment account with sofi and transferred a small amount to my investments, to find that they had charged a return fee every time I had added funds despite having much more than what I had deposited into my investment account and withdrawing the money I invested with it never returning to my checking account.
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (TN)

Today XX/XX/16 I received a call from a person identifying themselves as Jefferson Capital representative. 

He asked if I was XXXX XXXX and I replied yes. She immediately went into giving me the mini XXXX and then proceeded to disclose a debt with XXXX XXXX. 

I then stopped him and advised him that he had not completely verified me to disclose a debt being owed. I advised that he was violating FDCPA. There are multiple XXXX XXXX 's in my area. I asked for his XXXX 

The XXXX gave the name of XXXX. He then did the same thing. When I advised him this was a violation and that I am a XXXX at a XXXX XXXX, he advised he did not think it was a violation. He advised if I told him I was not the correct person by a name, then they would obtain information like a social I let him know that he just disclosed a debt and verification would not have been completed by just a name. I told him there was nothing else to discuss and I would be reaching out to take this legal. He then stayed on the phone in the background as I was discussing this with a friend and contacting my legal department. 

It was not until I advised him he needed to end the call as there was nothing else to discuss again that he actually hung up.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I'm a victim of Identity thief. I have inquiries on my credit report I don't recognize. Please delete these inquiries from my credit report. 

5inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX