davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NE)

On XX/XX/XXXX I attempted to login on the citi bank mobile app with my online credentials to access XXXX Citi bank regular checking account ending in XXXX and my Citi XXXX savings account. For some reason when I logged into my account thru the there mobile app the access to both my citi accounts were blocked by Citi Bank with no info on why my accounts were closed. My funds from my citi bank regular checking account ending in XXXX were frozen as well that same day. The amount of funds that were frozen in my citi bank regular checking ending in XXXX on XX/XX/XXXX was {$180.00}. 
I contacted Citi Bank the same day on XX/XX/XXXX and asked why my checking and savings account were closed and why my mobile login access was blocked they told me very little information and said I couldnt bank with them no more and that my accounts were being permanently closed. So I told the citi bank representative, if my accounts are going to be closed then how will I get my {$180.00} back that were frozen in my citi bank checking account that I opened with them and she told me they couldnt do nothing about it! So I am complaining today because I want Citibank to mail me my funds to the address i have on file with them which is the same address I used to open my bank account with them. I want citi bank to mail me a check for the total amount of {$180.00} that belonged to me and that were frozen on my Citi bank checking account. thank you.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CO)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit.

SPRING OAKS CAPITAL LLC Account Number : XXXX Charge Amount : {$950.00} Date Opened : XXXX XXXX XXXX ( 2 yrs, 7 mos ) Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of Identity Theft and fraud activities. While having my accounts linked to XXXX XXXX XXXX. Many charges occurred from my accounts that I have asked Experian, XXXX and XXXX to block and delete from my credit report. I currently have typed a letter going out tomorrow the XXXX or the XXXX of XX/XX/year> and I am explaining to the credit bureaus my dilemma that has gone unheard without the necessary documentation.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (SC)

Experian had XXXX hard inquires on my credit report from XXXX XXXX on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (TN)

I went to XXXX XXXX in XXXX, TN for a routine check up and a cleaning on XX/XX/year>. I received x-rays which was covered by my insurance, but when it came time for the cleaning I had to speak with the office manager about the billing. They had me fill out a credit application in which XXXX XXXX accepted me and they would be what would be used to pay for my deep cleaning. We scheduled the cleaning for a few weeks out but about a week before the appointment I had to cancel because I wished to look for second options and check their prices for the cleaning before committing. Little did realize XXXX XXXX had already charged the card for services I had not received. They charged {$830.00} to this credit card. I've called the card company who advised me I have to talk to XXXX XXXX about it first. I called XXXX so I could speak with the office manager, she was in a meeting and never returned my call. I called another time and yet again I was not allowed to speak with her but they let her know and advised me they would resolve the issue and still I have yet to have the charged refunded to the credit card.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IN)

Dear MIDLAND CREDIT MANAGEMENT XXXX, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and MIDLAND CREDIT MANAGEMENT XXXX. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and MIDLAND CREDIT MANAGEMENT XXXX that evidences my agreement to pay the alleged debt in question.

2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : The name of the original creditor, The principal balance of the alleged debt, Documentation of any insurance, securities, tax benefits, or other financial transactions related to the account. 
I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that MIDLAND CREDIT MANAGEMENT XXXX has made false or inaccurate claims regarding this debt.

3. Failure to Provide Account Number XXXX XXXX does not list the full account number associated with the alleged debt. Without this information, I can not verify the debt. I request that MIDLAND CREDIT MANAGEMENT XXXX provide the full account number for proper identification and validation of the alleged debt.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> around XXXX, a friend posted about XXXX XXXX tickets on her XXXX XXXX I messaged her to see if it was real. Seemed like I was messaging with her. Went to send {$1200.00} with XXXX through our banking app with Chase Bank. Right after sending money. The person said they didn't receive it and it didn't work. Then said someone else already bought the tickets. That's when we figured out her account was hacked and they blocked me. We immediately called our bank to stop the transaction from going through but they said there was nothing they could do at that time. I took screenshots of the messages that have the scammer 's name and phone number. We contacted our bank in the morning they told us there was nothing they could do since we approved the transaction. We filed a police report, a scam report with XXXX, called XXXX  they said talk to our bank. We called the bank again and they said they know where the money was sent to and will call that bank to file a scam report with them and for us to call back later. We did that and then they told us they can't give us any information and that we should seek legal help because it's pretty much a cash transaction that they can't help with yet they told us the other bank was another Chase Bank. We caught this immediately and tried to call minutes after it happened, but have not received any help from them.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

Originally contacted me with a letter saying I owed a debt. I responded and requested that the debt be validated with proof in writing. They failed to provide proof in writing. I requested they cease and desist. They still call, leave voice mails and harras me at work.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (NY)

o : Continental Finance and XXXX XXXX Dispute Department Subject : Formal Dispute of Billing Error and Late Payment Reporting Under 15 USC 1666 ( b ) and 15 USC 1637 ( a.a ) Account Number : XXXX Credit Report Dispute for XXXX XXXX Dear Continental Finance and XXXX XXXX, I am writing to formally dispute a billing error and the reporting of late payments on my credit report under the provisions of 15 U.S. Code 1666 ( b ) ( Fair Credit Billing Act ), 15 U.S. Code 1637 ( a.a ) ( late payment disclosures ), and HJR 192/Public Law 73-10. 

XXXX. Billing Error Dispute 15 U.S.C. 1666 ( b ) I believe an error has occurred on my account concerning the billing statement for [ Month and Year ]. The charges listed on my bill do not accurately reflect the transactions I authorized. I request that you investigate this matter and correct the error as required by 15 U.S.C. 1666 ( b ). Please provide me with a detailed explanation of the charge, including any supporting documentation.

2. Dispute of Late Payment Reporting 15 U.S.C. 1637 ( a.a ) The late payments reported on my credit profile are inaccurate and improperly documented. I dispute the legality of this reporting, as 15 U.S. Code 1637 ( a.a ) clearly outlines the requirements for proper disclosure of terms and the impact of any late fees. I have not received adequate notification or proof of this reporting being consistent with the law.

Furthermore, under HJR 192 ( Public Law 73-10 ), I challenge the legal status of these debts and their enforcement without providing a lawful remedy or acknowledgment of any federal restrictions on debt payment that were in place historically. 

XXXX. Dispute of Credit Profile and XXXX I also dispute the accuracy of my credit profile as it is reflected on XXXX XXXX. The negative entries and any information related to late payments reported by Continental Finance on the credit report for XXXX XXXX XXXX are incorrect. Please investigate the following : The legitimacy of the negative entries. 
Verification of any disputed debts.

Immediate removal of inaccurate information from my credit report. 
Requested Action Correct the billing error on my account and provide a written acknowledgment of the correction. 
Remove any late payment reports that have been inaccurately or illegally applied to my account. 
Update my credit report on XXXX XXXX to reflect these corrections. 
Provide me with written confirmation once these actions have been completed. 
Please treat this letter as a formal notice of dispute. Under 15 U.S.C. 1666, you are required to acknowledge receipt of this letter within 30 days and resolve the matter within two billing cycles. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

without recourse
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether JP Morgan Chase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of JP Morgan Chases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether JP Morgan Chase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether JP Morgan Chase was in compliance with its own policies and procedures ; ( v ) whether JP Morgan Chase owed duties to myself, what the scope of those duties was, and whether JP Morgan Chase did not uphold those duties ; ( vi ) whether JP Morgan Chases conduct was unfair ; and ( vii ) whether JP Morgan Chase has within its power the ability to, and should, compensate me for the harm that has befallen.
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/year>, I received a call from XXXX XXXX, Executive Relation of Chase, regarding my unapplied funds of {$24000.00}. He told me that I needed to pay {$130.00}. He also stated that once I paid this amount my account would be paid in full, but this did not happen. In addition, I found out from XXXX on XX/XX/year>, that XXXX never requested my funds to be applied to my mortgage. They both lied and my mortgage is not paid in full nor have my funds been returned with interest.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a car loan with Bank of America. My interest rate is XXXX %. My latest payment of {$500.00} had the interest taken out at {$350.00} and the principal applied as {$140.00}. Bank of America is charging me about XXXX to XXXX  % interest. Bank of America told me they would email me the loan payments on my account to my email on XX/XX/year>. I still have not received the statement information and the interest is getting even worse.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: VW Credit, Inc (OH)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (NC)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MD)

I have contact XXXX XXXX  over 6 times in regards to opting out of having my information verified or shared. They are continuing to VIOLATE me and my rights. This is what I have sent to them and still have not gotten a response : XXXX XXXX c/o XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that XXXX immediately XXXX and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with credit agencies, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (NY)

This is regarding my XXXX credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from rocket mortgage based my credit history report from XXXX. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute XXXX collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to calvary portfolio is being reported as opened XX/XX/XXXX XXXX website is not allowing me to dispute because of article XXXX. my credit score reported by XXXX was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting XXXX to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website XXXX XXXX. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to velocity investments llc ) I mailed the court stipulation to XXXX via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also XXXX is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXX son and I need this loan to secure housing.this are the tel # 's. I tried for XXXX. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with XXXX.
Consumer complaint received 2024-08-25
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. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.