davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email Address : XXXX Phone Number : XXXX ChexSystems XXXX XXXX. 
Consumer Relations Department XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : URGENT CONSUMER MATTER Request to Opt-Out of ChexSystems Dear Sir/Madam, I am writing to urgently request the removal of my information from your ChexSystems database. This request is made in accordance with privacy laws, including the Fair Credit Reporting Act ( FCRA ) and the California Consumer Privacy Act ( CCPA ), as applicable. 
Under the FCRA, I am exercising my right to request the exclusion of my personal data from ChexSystems reporting. Additionally, under the CCPA, I am requesting the deletion of my personal data as applicable. 
For your reference, my details are as follows : - Name : XXXX XXXX - XXXX ID : XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Please confirm receipt of this request and provide written confirmation once my information has been removed. If any additional documentation or information is needed, please inform me at the contact information provided above. 
Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Identity Theft Affidavit I, XXXX XXXX, am providing this affidavit to report that I have been a victim of identity theft. This document is intended to support my request for the removal of my information from ChexSystems, as detailed in my opt-out letter dated XX/XX/XXXX. 
Personal Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, KY XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Phone Number : XXXX Email Address : XXXX Details of the Identity Theft : Description of Fraudulent Activity : Unauthorized transactions and/or accounts have been opened in my name. I have also discovered erroneous information on my credit reports that I believe is a result of identity theft. 
Actions Taken : I have reported the identity theft to the Federal Trade Commission ( FTC ) and/or local law enforcement and have received an Identity Theft Report or Police Report. Attached are copies of relevant documents, including the police report and FTC Identity Theft Affidavit, if applicable. 
Declaration : I affirm that I am the victim of identity theft and that the information provided in this affidavit is accurate to the best of my knowledge. I request that ChexSystems remove my personal information from its database and correct any erroneous entries resulting from the fraudulent activity. 
Please contact me at the provided phone number or email address if further information or documentation is needed. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/year> I noticed that my USAA credit card now had a new debit balance even though I paid the full account balance by the previous due date. There was no activity shown on the account after my payment was made that brought the balance to XXXX  before the past due date and all of the sudden the account had a negative balance. I started a chat through the USAA website asking why there was a negative balance and the chat associate provided the accrued interest fees that were still adding up on the account which was causing the negative balance. I then asked why interest was being charged after the account was paid in full by the due date since the policy provided by the chat associate stated no further interest would be charged if the account was paid in full by the previous due date with no additional charges. They were unable to provide an answer but didnt give me a credit to offset the interest charged. If this is how the USAA credit card interest system works then I am very worried that past interest was charged incorrectly especially since they couldn't provide an answer as to why this happened other than just offering to submit a complaint on my behalf. Please see additional information below : Credit card statement issued XX/XX/year> : Balance : {$1900.00} Due Date : XX/XX/year> Credit Card activity after statement issued on XX/XX/year> : XX/XX/year> {$1900.00} Continued accrued interest still being charged provided by USAA chat associate : 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 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (LA)

I returned equipment to the local store and that was supposed to be all that was required to clear up this account and the. The phone calls started I asked them to stop calling me. 15usc1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (GA)

Lender is Santander Bank. Account no. XXXX. 

Each time I make a Principal Only payment, Santander applies approx. 10 % of that payment to interest. These are principal only payments in addition to my monthly payment. When I called Santander Bank, it stated it was unable to apply principal-only payments to the debt. 

MOST IMPORTANTLY, Santander Bank refuses to send me a copy of the Loan Agreement. On or about XXXX XXXX, I requested a paper copy, which I was told was sent through the mail, but it never arrived. 

On XXXX XXXX, I requested a copy of the Loan Agreement a second time and escalated the request to a supervisor. The supervisor sent the attached XXXX  via email. As you can see, it is conveniently scrambled and unreadable. Santander Bank owes me a copy of my Loan Agreement and I'm forced to file this complaint to force compliance.
Consumer complaint received 2024-09-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AR)

Received notice from XXXX showing a collection account was opened on my credit report between XX/XX/XXXX & XXXX, XXXX in the amount of {$100.00}. 

Provided states collection agency name is Jefferson Capital Systems LLC & original creditor is XXXX XXXX. 

I have not received any communication from either of these entities concerning any outstanding debt.
Consumer complaint received 2024-09-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I have a Macys American Express card. I pay my monthly bill on autopay. The statement received in XXXX for {$80.00} was paid in full through autopay. I never have a running balance because autopay pays the full statement each month. Although I paid in full through autopay, Macys charged a {$2.00} minimum interest charge on a XX/XX/year> line item on the XXXX statement. I called and asked for an explanation and Macys admitted the mistake because they noted Im on autopay and last month was paid in full. They credited my account {$2.00} to my satisfaction. They warned me it will happen again and next time I should call again, and if I call Macys will again waive the minimum interest charge. I asked for confirmation that this will stop and it seems unfair that I need to call every month to correct Macys mistake. I received the XXXX statement that contains the fee on XX/XX/year> and called Macys at XXXX at XXXX eastern time.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX someone used my card without my permission and added money to an apple wallet - no idea how thishappened Bank of America claim id number XXXX For the amount of {$710.00} I have filed a police report as well
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

I received a response from Midland credit management on XXXX XXXX. Account ending in-XXXX. XXXX XXXX. Im once again Informing you that I do not recognize this fraudulent account nor do I admit to any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act 609 ( 5 ). Im requesting. The bill of sale, and all billing sales. Im also requesting proof that they are the original due holder In the course of this debt. Im requesting that you show proof of where you bought this debt. Im requesting proof of counter records and The proof I opened this debt Until this present time. Im requesting that You show the original contracts with this company that created this debt, bearing my signature and authorization, and all documents associated With this debt. Im requesting your method of verification Pertaining to those documents As is my right per fair credit reporting act 611 ( 5 ) ( a ). I am informing you that your offenses amount to aggravated identity theft Pursuant to 18 U.S.C.~1028A. You have knowingly transferred, Possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability. Pursuant to 15.U.S.C.~1681n ( a ), Any person who knowingly and willfully obtains Information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, Imprisoned for not more than two years, or both. Consumers suffer harm When consumer reporting agencies and furnishers of information Allow fraudulent activities to persist without proper authorization from the consumer. These harms include, The invasion of consumer privacy, emotional, physical, and Economical harms. Ive been hindered from establishing new lines of credit and credit lines of increase because of your willful violation of the fair credit reporting act. Therefore, Im demanding these accounts be blocked and deleted because they dont belong to me. Im attaching proof of my incarceration As well as my federal prisoner ID, Federal Trade Commission identity theft affidavit.. I have attached letters from government agencies with post office stamped dates during the times that this fraudulent account was opened. Im once again, giving you the opportunity to follow the laws required and do the right thing.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (FL)

Third Request To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP. 
Sincerely, XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 
For my debt validation methods these are the things I would require from you. I would require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector ; in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

Lvnv sold a debt that they say I owe them. Under 15 usc 1681 b. I have no contract with them or anyone who bought this so call debt. They have no legal right to collect any amount. I do not have a wet signed contact with them. I want the company to prove that they have a legal right to collect this so call debt. I want to see the chain of custody on this debt. XXXX they can collect this debt in my state. Also the debt was from 2017. It's over the legal time to collect. They are breaking federal law. I want them to remove it off my credit reports. All XXXX.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Activehours (PA)

On XX/XX/year> I applied for a payday advance through the Earnin app. I put in my email and did the entire process and it said I was approved for XXXX I connected my bank and it said I had a previous account. It took my bank account information and has it set up to take XXXX dollars of a past loan I did not authorize from an email address that I did not use to XXXX XXXX for the date I stated, Someone used my XXXX address apparently in the past, and now Earnin is attempting to take money using my checking account I did not give authorization to
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION (WA)

On XX/XX/2024 - I was alerted to a hard credit pull from " OPORTUN/XXXX  '' ( Oportun, Inc. ) on my XXXX  credit report. I have never done business with Oportun or XXXX  and certainly did not authorize a hard pull or apply for a loan with them - so I immediately suspected fraud. Calling and emailing the company has been a dead end, and no one could explain to me why the hard pull happened and if someone successfully opened an account in my name. Additionally, they refused to remove the fraudulent hard pull from my credit report at XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (NJ)

On XX/XX/2022 several inquiries were done on my credit report from various financing companies for the purpose of an online vehicle purchase. One of the inquiries was done by XXXX XXXX XXXX located at XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX. I call them and left multiple messages, but haven't received call back. These were fraudulent inquiries, as I never tried to buy car online or had any of these companies run my credit.
Consumer complaint received 2024-09-05
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (PA)

I XXXX  from XXXX XXXX XXXX I believe it was in 2008. They since closed all their branches. They made false promises of job placement that never happened. I just recently found out they were involved in a class action law suits where many loans where forgiven. Is too late for me to file the lawsuit. This XXXX  was a total scam. I was preyed on as a XXXX XXXX XXXX XXXX XXXX. Now I am stuck with XXXX of student loan for a XXXX  that was useless since the XXXX  closed and I can not transfer my credits anywhere.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I am writing to file a complaint against Truist Bank regarding the unjust closure of my account due to suspected fraudulent activity. On XX/XX/year>, Truist Bank closed my account, citing suspected fraudulent transactions as the reason. However, the purchases that triggered this action were legitimate and authorized by me. 
I immediately contacted Truist Bank to clarify that the transactions in question were legitimate. Despite my attempts to resolve the situation, the bank proceeded with closing my account, causing me significant inconvenience and financial distress. 
This action has led to unnecessary complications, including delays in bill payments, and impact in me process my tuition debt payment.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - XXXX XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED- RECORDING 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Subject : Formal Complaint Regarding Harassment, Improper Debt Collection Practices, and Violation of Dispute Rights Dear LVNV Funding LLC, I am writing to formally complain about the conduct of your debt collection practices related to my account with the number XXXX. I have encountered several issues that are causing me significant distress and believe they constitute a violation of federal and state laws governing debt collection. 

Harassment : I have received multiple harassing phone calls and written communications from your representatives. These communications include threats, abusive language, and repeated calls outside of legal hours. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person.

Selling Information to Third Parties : I am concerned that my personal and financial information related to this account has been sold or shared with third parties without my consent. This practice appears to be a violation of the Gramm-Leach-Bliley Act ( GLBA ) and other privacy laws, which require that consumers ' financial information be handled with confidentiality and only shared with authorized parties. 
Denial of Dispute Rights : Despite my efforts to dispute the validity of the debt in question, my attempts have been ignored, and I have been denied the opportunity to formally address these discrepancies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute inaccuracies on my credit report and receive a proper investigation.