davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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: Bridgecrest Acceptance Corporation (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri  Laws Dear BRIDGECREST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that BRIDGECREST has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for BRIDGECREST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that BRIDGECREST immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that BRIDGECREST will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-09-17
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRUSTMARK CORPORATION (IL)

I open a XXXX XXXX account in XXXX  to put goods on my vehicles. I have been paying it like I was issued. But now all the sudden they want to raise my inetrest rate to 40 %. When I opened it it was only 29 %. I'm looking to get help with lowering my payments so I can pay it off. I'm on a fixed income so I can't really pay the over {$200.00} that they are charging me now.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Flagstar Bank has very few branches, so anyone who may not have formal banking services where they can deposit a check will struggle cashing a check from flagstar bank, and may find additional struggles with cashing their check if it originates from signature bank whith whom flagstar bank has merged
Consumer complaint received 2024-09-17
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: Early Warning Services, LLC (NY)

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX  account # : XXXX has XXXX XXXX veried that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verication or validation of any alleged debt. Be aware that I am making a nal goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of ling a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's oce, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

Requested validation of the debt from the original creditor XXXX  to which now JEFFERSON CAPITAL SYSTEM LLC the debt buyer have been reporting the open account open and active since the purchase to which XXXX have charged off and closed the account prior selling it to JEFFERSON CAPITAL SYSTEMS LLC
Consumer complaint received 2024-09-17
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: Early Warning Services, LLC (NY)

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX account # : XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX XXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services (NJ)

I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act. 
I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) .I am NOT requesting a verification but I am requesting for validation. I Am requesting that your office provide me with evidence that I am obligated to pay you.

.Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that Iagreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXXXXXX account # : XXXX has XXXX XXXX verified that I have had an account with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXXXXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I was on my way to get gas and my card wasnt working. I go to check my account and found I could not log in. I checked my email and not less than an hour ago they closed my account without notice. I just got paid the night before and I put {$400.00} in my savings after I paid my car note. So now not only do I not have gas money but I lost my savings too. I use that account to pay my bills and rent and now my whole life has been disrupted.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (CA)

I purchased two items through a website I did not know sold counterfeit items. One item arrived and was not as described. The picture showed a generic pair of sunglasses, when they arrived they had the XXXX XXXX  and were clearly fake ( I paid XXXX dollars for these ) I do not want fake goods and it was not as described and was counterfeit. This is against their policy and should be covered for protection, they continue to fail to protect me giving my money to the scammer. The second part of my order was also placed the same day of XX/XX/XXXX. After the purchase they stated their arrival date was for XX/XX/XXXX, XXXX months later. Well the two months passed and I still did not get the item. At that point their website stated if it did not arrive by the promised date I will get a refund. Well they removed this from my options, I informed them I have since moved and do not want the item since It was my right now to get my refund and also they sold counterfeit items so I do not want anything to do with this! I contacted my credit card on the very day that was past the delivery window. I waited two months which is plenty of time! My credit card company refuses to fix this and protect me, they keep declining my dispute and giving the scammer my money. I have sent a plethora of information. I want their company to be investigated, a customer should be protected. I have done more research and have found that this is not an isolated incident with this company and they were investigated and sued for doing this to other customers. I want them held accountable for this so other people do not have to deal with being scammed and unprotected by a company that does not follow their own rules/ policies.
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1700.00}
Consumer complaint received 2024-09-17
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: Early Warning Services, LLC (NY)

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXXXXXX account # : XXXX has XXXX XXXX verified that I have had an account with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc ()

On XXXX XXXX at XXXX I received an email regarding my account that they decided to deactivate just they thought I sell XXXX oriented materials or services online which is not true. I can give you my link store if you want to review and verify. My business is legitimate and legal that I didn't violate the policy of Paypal at all. This is my first time to encounter this kind of incidence. I'm using Paypal as my income since 2021. For the reference ID you can see the attached file. Please do so in order to restore my account as this is my income for my Family also. Thank you
Consumer complaint received 2024-09-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear USAA FEDERAL SAVINGS B, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection.

It has come to my attention that USAA FEDERAL SAVINGS B has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for USAA FEDERAL SAVINGS B to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that USAA FEDERAL SAVINGS B immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that USAA FEDERAL SAVINGS B will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO XXXX BY PHONE AND ON THEIR OFFICIAL WEBSITE TO CORRECT THE INACCURATE ITEMS ON MY CREDIT PROFILE. I HAVE SENT OVER THE REQUESTED DOCUMENTS A FEW TIMES FOR DISPUTED ITEMS AND WAS TOLD THEY NEVER RECEIVED IT! SINCE THEN I HAVE TRIED AT LEAST 5 TIMES TO UPLOAD THE DOCUMENTS ONLINE AND NOT ABLE TO COMPLETE THE PROCESS. ALSO SAME ITEMS THAT I DISPUTED WITH XXXX AND XXXX ARE DELETED BUT XXXX REFUSED TO DELETE. THE FUNISHERS ARE : SDCCU AND XXXX XXXX XXXX. BASE ON THE LAST REPLY ON MY RECENT COMPLAINT ON SDCCU. THEY HAVE NOT REMOVED THE INACCURATE INFORMATION ON EACH A D EVERY CRA 'S AS PROMISED! I HAVE CALLED 3 TIMES AND WAS TOLD THAT THEY ARE WORKING ON IT! I HAVE ALSO ATTEMPTED TO REACH OUT TO XXXX XXXX XXXX AND NOTHING WAS DONE AS AGREED. I AM BEYOND FRUSTRATED AND DISAPPOINTED ESPECIALLY WITH SDCCU! IT IS EFFECTING MY ABILITY TO OBTAIN CREDIT, LOANS, AND ASSISTANCE FOR MY HARDSHIP THAT IM EXPERIENCING AT THE MOMENT. THE MENTAL AND EMOTIONAL STRESS THAT IT HAS CAUSED IS OVERWHELMING AND EFFECTING MY WELL BEING. Please help and advise what to do resolve this matter.
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. (VA)

These inquiries were unauthorized on XXXX, XXXX, and Transunion and im a victim of Identiy Theft. 

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 XXXXXX/XX/XXXX