davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AZ)

Received phone call on XX/XX/2024, left voicemail asking to call back.

Called back XX/XX/2024, was told no notes were left by agent and no action required.

Contacted by chat support on XX/XX/2024 was told account was in good standing and no action required.

On XX/XX/2024 account was frozen and funds could not be accessed. Contacted by phone on XX/XX/2024
provided requested info and was told account would be unlocked and funds unfrozen. 

Funds remain frozen.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} LVNV FUNDING LLC, {$1500.00} XXXX XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MD)

Kickoff providing information about Consumer Transactions which violates 15 USC. ( 1681 ) section 602 Right to Privacy 1681 section 604 can not furnish an account information without a written consent these are violation under the United States Code Cornell law edition
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc. (GA)

I had XXXX   and could not make the payment on time I tried to explain this to the company and they refused to help or remove the remark. There were XXXX dates that I was sick with XXXX XXXX XXXX- XXXX & XXXX XXXX XXXX XXXX marked me XXXX XXXX late for each date listed. 

I want this adjusted
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Greetings my name is XXXX XXXX. I recently made a deposit into my Truist ATM machine to the amount of {$850.00}. There was a processing error with the ATM and it foreclosed the transaction without completing the deposit. ATM printed me out the receipt to the bank and get the money back since it was no longer able to Disperse back the money I put in.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a text message from Chase on XXXX XXXXXX/XX/2024 stating they were needing more information on my account. When I called XXXX customer service around XXXX, the agent XXXX XXXX Chase XXXX XXXX informed me that they had closed my account without disclosing or providing me a valid reason to why they closed my account. They said that I would receive a letter in the mail but they are unable to still provide me a reason and I was unable to access my account with no notice. I went to the Chase Bank in person and a bank associate contacted Chase and I spoke with another Chase XXXX agent. Then I spoke with a supervisor of Chase XXXX XXXX and he stated that he is unable to provide me any information for the reason why my account was closed. They stated it is unfortunately irreversible. Its extremely frustrating and unfair to have my account closed without any notice. The Chase XXXX team did not provide any help for this matter.
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TX)

I lived in an apartment complex named XXXX XXXX I had a balance of {$420.00} that I paid upon moving out via money order. I received and email confirmation from XXXX XXXX stating that I no longer had a balance with them. XXXX months ago I began receiving calls from a collection agency XXXX XXXX XXXX saying I owed them that amount. I tried asking for them to confirm my information and they failed to comply. I tried calling and emailing XXXX XXXX to try to understand why I was being charged {$420.00} when I had already paid months prior but I never received a response or a call back.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX Select Portfolio Servicing made claim on Unclaimed funds at the Florida Division of Unclaimed property for an insurance check in the amount of {$88000.00} that was issued XX/XX/XXXX. The check was property insurance settlement check, reimbursement for a remediation that was completed in XXXX that was paid for by me. 
At the time, the check needed to be endorsed by SPS and myself in order to be cashed. SPS refused to endorse and return the check to me. Instead they demanded that I endorse the check first and then they would cash the check. Everytime I sent them the check for endorsement the returned it to me unsigned. 
Subsequently the home was foreclosed ( XX/XX/XXXX ) and the mortgage debt satisfied to XXXX XXXX  and XXXX XXXX XXXX the holders of the mortgage. 
The check became stale and the funds were eventually sent to the unclaimed property bureau of the state of Florida. 
SPS made claim on all the funds in XXXX even though they were no longer the servicer of a loan, nor holder of a note nor did they get my co-authorization. 
SPS is unlawfully retaining this money which is rightfully due to me as I paid for the repair and am due the insurance settlement. 
My lawyer, XXXX XXXX, filed this complaint on my behalf ( XXXX ) but SPS refused to respond citing that he was " unauthorized ''. So I have written a letter authorizing him to act on my behalf and have access to information regarding this matter.I have attached a copy of this letter.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Subject : Immediate Action Required : Unauthorized Credit Reporting Violation Dear CAPITAL ONE I am writing to address a serious issue regarding the unauthorized reporting of information to my credit report. This issue represents a clear violation of both federal and Texas state laws, specifically the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX, and Texas XXXX XXXX XXXX XXXX related to identity fraud. 

It has come to my attention that [ XXXX XXXX ] has reported information to my credit report without my explicit consent. Under the FCRA, specifically Sections 1681b ( a ) ( 2 ) and 1681c ( a ) ( 2 ), and Section 1681s-2 ( a ), it is unlawful for any entity to report information to a credit bureau without the consumer 's clear and informed consent.

Additionally, Texas state law mandates compliance with these regulations. The XXXX XXXX XXXX, Sections 392.301 and 392.305, requires that credit reporting be conducted only with the consumers consent and in accordance with fair reporting practices. Furthermore, XXXX  XXXX XXXX Section 32.51 criminalizes unauthorized access and misuse of personal information, highlighting the severity of this situation.

I have not authorized CAPITAL ONE to report any information to my credit report. The lack of consent is a direct violation of my rights and can adversely affect my credit profile and financial standing. 

I demand that CAPITAL ONE immediately cease any further reporting to my credit report without my explicit consent. This request is made under the FCRA and the XXXX XXXX XXXX, and I expect compliance within 30 days. Failure to comply will be considered willful noncompliance and could result in legal consequences under both federal and state laws, including identity fraud statutes. 

This is a formal demand for compliance with the legal requirements governing credit reporting. I expect prompt action to rectify this issue and to respect my rights under the applicable laws. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX free to adjust any specific details as needed!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

Dear ELAN FINANCIAL SERVICES, CB DISPUTES, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX Ref : # XXXX I find that the following information provided on credit report to be an error. This account was never late or owed any amount ( pursuant to HJR 192 ). You are alleging that I owe without furnishing any proof of this debt with full accounting of ledger or proof of any 1099s that were filed on behalf of my principal. As you know Pursuant to 15 u s.c 1692a ( 1-7 ), 15 u.s.c 1692e ( 1-12 ), 15 u.s.c 1692g ( a-c ), 15 u.s.c 1666. 15 u.s.c 1681 ( a ). you are violating all laws and regulations. If you are unable to provide full reports of how you validated, verified and how you are in compliance then you must reopen my credit account shown paid as agreed, including {$0.00} balance and rectify for the damages ( 15 U.S.C 1692D ) you've caused. 

Furthermore, any alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

If you severally fail to comply with above requests, I reserve all rights, interests and proceeds to seek damages against all parties, under all applicable state, federal and ucc -9 remedies. 

Thank you XXXX, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (NJ)

I received a text message today aftering paying a debt to XXXX on the XXXX  of XXXX to the amount of XXXX which last month I verbally confirmed I would pay on the first agreeing they can auto pull it from my account XXXX XXXX  on a recorded line with XXXX to which they did in fact do that and my account on my end showed no debt owed and I stopped receiving unending calls from XXXX and texts and emails that my XXXX I owed debt for a few weeks and XXXX was coming after me like brutally the amount they contacted me was super inappropriate. However, the real issue is that my debt was paid and today XX/XX/XXXX I received a text from a debt collector saying I still owed XXXX but its to XXXX XXXX? Which confused me because that was the debt in exact amount I owed XXXX before paying off my debt XX/XX/XXXX. So this morning about 20 minutes ago I was on the phone with Payal at XXXX ish I believe to request information if my debt was paid or not because I was receiving texts from a debt collector saying I still owed money, past the point when I had already paid my debt. XXXX confirmed to me on a recorded line that my account is in good standing and I had infact paid it off on the XXXX and do not owe them anything. I uploaded the screenshot of the text from the alleged debt collector to the XXXX app while on the phone for the the customer service worker and she yet again confirmed to me I do not owe XXXX any money and I do not have a XXXX XXXX account nor would he possible to owe XXXX XXXX the exact amount I owed XXXX down to the cent. So, at this point I am pretty XXXX convinced I am being sent scam texts by a debt collector. I am XXXX and on XXXX where I really barely make enough to live so this is highly upsetting getting harassed by scammers when I am already struggling to get by.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

This is the second complaint that I have filed against PayPal. The issue has escalated. I do believe that I am now facing punitive harassment on my account from PayPal as a result of having filed the previous complaint. Here is the issue... 
I opened an account with PayPal in order to receive payments from my clients XX/XX/year>. Immediately, PayPal began placing my payments in a hold status. I contacted customer service and first they said it was because I needed complete shipping. I informed them that my clients paid for and received an instant service online, tarot reading. The holding process persisted. Then on XX/XX/year> a limitation was placed on my account where I could not receive any further payments until I provided PayPal with information about my business. I did so. I was told to wait 72 hours. PayPal then asked for additional information, which I submitted. PayPal released the limitation allowing me to continue receiving payments from my clients, but not allowed to withdraw my funds at all and some of those funds also instantly go into a holding status. It has now been 72 hours. I have submitted everything that PayPal has asked for and made it clear that they are causing me a great hardship by not allowing me to withdraw my funds. At this point they just continue telling me to wait. I do not have confidence that they will give me access to my funds as I have seen that PayPal has a history of seizing the funds of their clients. 

As of today, I was told aggressively by an agent named XXXX in the " fraud '' department, that my funds would be held for another 90 days. As I tried to explain to him that my funds had already been held for 30 days he began to yell that I was not going to interrupt him. At the point of my phone call every sale that I make was placed in a hold status. Although the platform AI tells me that my funds will be released to me in 24 hours they are not. When I call to speak to an agent for assistance, it truly depends on the demeanor of the agent for whether or not they will look at the account and assist me. Those that will review it and see that I have met every standard to receive my funds. Those that will not simply say that nothing can be done, just wait. 
I can not successfully earn a living with PayPal holding my funds. I have explained the nature of my business several times to several agents. There is a letter regarding my business from the platform where I offer my services on file with PayPal. An added note is that although PayPal holds my funds and won't allow me to access them, they do take their fees from each sale upon receipt. 

I would again ask that PayPal stop this harassment and allow me to operate my business.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (MD)

This company is reporting fraudulent and inaccurate information on my credit report. I have requested they provided proof that I was the indeed person who signed up and requested this account. 

The company : XXXX Amount XXXX {$38.00} with {$58.00} written off Date opened : XX/XX/2020
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A. (VA)

I received a letter from a law firm stating they are representing a debt collector in regards to a loan under my name with a court date to appear or file for judgement would be placed on my name. The letter was sent to us in XXXX and the first court date was in XX/XX/XXXX. It is showing of a loan amount of {$7000.00} that was placed back in XX/XX/XXXX. 

I went to the court hearing and claimed it was not mine. They changed it to a new date in order to gather information. When I tried to call the law company they were extremely rude and borderline pushy and harassing me over the phone when I was asking for information. I then proceeded to try and call the company they were representing and they refused to give me information unless I provided them with my debit card information and they were going to charge a fee to even look into the claimed account. I did not feel comfortable giving my debit card information to simply try and find out the source of this loan. 

The law firm representing them is Klima, Peter, and Daly. 
The Company in question is XXXX XXXX XXXX, which came from XXXX XXXXXXXX XXXX  which I have never even heard of or had a loan with them either.
Consumer complaint received 2024-10-07
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: ACIMA CREDIT, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally complain about the inaccurate information on my credit report that has not been corrected despite my previous dispute. The dates of last activity, date opened, and date last reported for certain accounts are incorrect. I was informed that the account was verified, yet no changes have been made to my report. 

Additionally, I have not received any response to my last complaint regarding this matter. I request that you either update this inaccurate information or remove the account from my credit report immediately. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IN)

Subject : Request for Provisional Credit - Dispute Claim XXXX Dear Chime XXXX  and Fraud Team, I hope this message finds you well. I am writing to follow up on my dispute claim number XXXX regarding the credits not posting to my account associated with XXXX XXXX XXXX ( Amount ) {$27.00}. 

This dispute is legitimate and has the support of both the Indiana Attorney General and the Consumer Financial Protection Bureau ( CFPB ). The ongoing issues have caused significant stress, and I would greatly appreciate your immediate attention to this matter. 

In light of the circumstances, I kindly request a provisional credit to my account while the investigation is underway. This would help alleviate some of the financial strain I am currently experiencing. 

Thank you for your understanding and prompt assistance with this request. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX