davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

On XX/XX/year> I noticed my identity was stolen from my Experian credit report, because I noticed it is unknown charges made to my account, which effected my XXXX XXXX XXXX XXXX credit report.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent certified mail mail to Midland Credit Management , Inc to for validation of alleged debt. I explained that I am not inquiring about the Texas Finance Code law and that this letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Midland Credit Management Inc, provide me with competent evidence that I have any legal obligation to pay you. I only see my name and address which doesnt validate that I am the person who open this account which could possibly be fraudulent or identity theft. 

I responded back to Midland Credit Management from the correspondence that was sent by mail dated on XX/XX/year>, because their office has failed to provide me with any competent evidence to confirm the validation of this debt from the listed items below which I had previous requested back on XX/XX/year>. I dont have any contractual obligation with Midland Credit Management XXXX any knowledge of this account. I requested from the again by certified mail to please provide the following documentation below : Collection on a debt for which the statute of limitations ( 4 years ) has expired.

Agreement with your client that grants you the authority to collect on this alleged debt. 
Contractual Agreement between XXXX XXXX XXXXXXXXXXXX XXXX ( XXXX ) and that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Itemized statement showing the accuracy of this alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Verification that you are a licensed debt collector in The State of Texas
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-20
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. (WI)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

I requested a {$400.00} check be sent via Wells Fargo 's bill pay service to my Doctor 's office to pay down my account on XX/XX/2023. The check was sent on XX/XX/2023. XX/XX/2023, I contacted my Dr 's office as they were supposed to have received the check on XX/XX/XXXX and I wanted to make sure it had been received and I found out it had the wrong address listed. At that point I contacted Wells Fargo and requested the check be canceled and a new one issued to the correct address. Later that day I received notification that they wouldn't cancel the check because it had ben cashed that day. I requested and received the proof of payment with the copy of the canceled check. The endorsee on the check is clearly identified as a company other than the doctor 's office the check was made out to supporting that the check was fraudulently cashed. The same day I submitted a claim that the check had been sent to the wrong address and that it had been fraudulently cashed. They denied the claim on XX/XX/2023 because they hadn't made an error when they sent out the check, disregarding the fact that I wasn't saying an error had been made on their part but that the check had been fraudulently cashed. 

I tried XXXXwo more times, on XX/XX/XXXX and XX/XX/XXXX, trying to clarify the information each time but I always got the same response. They didn't make a mistake in sending it out so they won't do anything. Even though the check was fraudulently cashed by XXXX XXXX XXXX. I did try to reach out to them to try and get my money back that way, but they kept asking where I was a patient at and couldn't process the fact that I wasn't a patient with them and they fraudulently cashed a check not made out to them.
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: AMERICAN EXPRESS COMPANY (MS)

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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to report a serious error in my XXXX consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly. 

Details of the Discrepancy : 1 ) Credit Reporting Agency : XXXX XXXX ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA. 
Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by XXXX has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.
Consumer complaint received 2024-10-07
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: CITIBANK, N.A. (ME)

On XX/XX/year> I placed a order for XXXX items XXXX. XXXX XXXX XXXX XXXX XXXX for {$1300.00} and XXXX. Hansgrohe sink faucet for {$100.00}. The following day I received a email that the orders were declined. I called Citi Bank to ask why me card was declined. The Citi Bank lady told me she cancelled the order and to put it through XXXX again. She assured me this wouldn't causes a duplicate order. 

I received a duplicate order email from XXXX for both the sink and faucet. I was told by XXXX to return the duplicate orders. I returned XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX sent me a email acknowledging they received both on XX/XX/year>. I have a cancelled check to Citi Bank that I have paid for the other XXXX XXXX XXXX XXXX XXXX and XXXX sink faucet. 

XXXX claims they are not being paid by Citi Bank and has stopped me from ordering until this is corrected. I have been back and fort every day with XXXX and Citi Bank trying to get this corrected to no avail. I have spoken to XXXX, XXXX XXXX, and XXXX at Citi, XXXX, XXXX, XXXX, XXXX, from operations, XXXX, XXXX, from the XXXX XXXX XXXX XXXX. Sometimes on a conference call with both the bank XXXX Citi. Everyday I given a different answer as to why this is happening and am told another XXXX business days to fix this issue. 

XXXX has the returned items. Citi has my money. And I'm getting the run around. I want to do business with XXXX but I can not do so until the bank XXXX XXXX straighten out their book keeping problems. I am concerned for My credit rating while this is going on. 


XXXX XXXX
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OR)

ive had a checking and saving and joint account with chase they email me one day before set get my social securty check they locked me out claiming fraud i asked for proof refused to give me proof i also asked to file a appeal told me i wasnt allowed to appeal i had at time XXXX no over drafts bank has since taken XXXX for unknown bank charges my check came on XX/XX/XXXX i have no access told me will give me my check if they decide to do so its been 4 days since i ate i cant pay bills or buy food i need my check to live i went to local branch said to leave i wont get my check this is horid i need to live i cant been weak since this happen i try everyday access but no dice they said will close account but still wont give me my money they owe me XXXX my social securty check is XXXX XXXX balance in account then XXXX in another account .... all started when friends sent XXXX some cash for my bday.. before i touched it i called chase bank 3 times to make sure it was real they said was posted and was valid money said to use it... i did this happens no fraud was ever done .... XXXX XXXX
Consumer complaint received 2024-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (GA)

I am writing this to ask for full discharge of all of my student loans that were previously managed under Navient. Navient has crossed the line with their misrepresentation of how a loan company should act towards their customers, their deceptive practices, and failure to provide their previous and current customers proper guidance regarding loan repayment. 

Navient has misled me by not giving me the adequate information regarding the income- driven repayment plan. The customer service agent on the other end of the phone calls that were supposed to be experience in their job never informed me of all the different options that were available for me at the time of my multiple calls to get the best relief inorder to start my repayment. I was repeatedly offered to go back into forbearance. If I had known all my available options at the time, especially more about non-profit forgiveness I would not be writing this letter. I definitely was not aware that I needed to annually recertify my enrollment. 

Navients conduct has caused financial harm, sleepless nights worrying about how I can afford to pay back these student loans, especially when they are unwilling to work with you. Yes, I XXXX, and I thank XXXX allowed me to finish, but the amount of my student loan, and with the interest topped on it very difficult to be able to afford. At the end of the day, I relied on Navients guidance when I trusted them to provide me advice. This misconduct has caused me financial burden in more ways than one, and I ask that my Navient loans be fully forgiven. 

Thank you for considering my request. I hope that CFPB will take action and hold Navient accountable for these actions and provide borrowers with a fair resolution.
Consumer complaint received 2024-10-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AZ)

Reporting To Whom It May Concern, I am filing this complaint to dispute an eviction collection falsely reported under my name by Pro Collect. During the reported eviction period, I resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as verified by the attached notarized letter/lease agreement. I have also filed an FTC identity theft report, which is attached. 

This eviction does not belong to me, and I request that the collection agency and consumer reporting agencies immediately remove it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/year> Last four digits of SSN XXXX
Consumer complaint received 2024-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was referred to XXXX XXXX XXXX, XXXX XXXX , from my sister, who is a close friend to her. In or about XX/XX/XXXX, I emailed XXXX XXXX me and my husband 's personal tax information, along with my husband 's personal identification for years XXXX and XXXX federal/state/muny income tax preparation. In or about XX/XX/XXXX, I was able to sit down with XXXX XXXX at her home and hash through our taxes. She stated that she was going to file our taxes to aid with our student loan issues. Since my husband and I were traveling the following day, XX/XX/XXXX, I told XXXX XXXX that I will send her a payment. While out-of-town, I XXXX  XXXX XXXX {$100.00}. Once back from vacation, I called XXXX XXXX to no response. I was unable to leave a message that I was back, as promised. I texted XXXX XXXX and she responded that she was out-of- town. When asked why didn't she file our taxes an argument ensued. She alleged that I cursed her, did not pay her, and not to call her phone again. XXXX XXXX scammed me out of my money with the guise that she was going to file our taxes, knowing that she had no intention on doing so. I asked for my money back and also XXXX  her a refund request to no response. I initially attempted to resolve this issue with my bank, at no avail. It appeared that my bank blamed me for not knowing that my sister 's alleged friend, XXXX XXXX, was a scammer and no count. To date, XXXX XXXX has not refunded my {$100.00}, nor has filed me and my husband 's taxes.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (GA)

The company name is Southwest Credit Systems LP. It says they are collecting on a loan. Have no knowledge of the company or loan. It was reported to my XXXX credit account on XX/XX/XXXX. I am also disputing this with XXXX. I filed a dispute with them on XX/XX/XXXX. The information is inaccurate and misleading. And, again I have no knowledge of this loan account or company, which the loan came in existence. My credit report from XXXX listed this loan account was opened on XX/XX/XXXX. It doesn't have the Loan Company listed. Just the Collections listed : Southwest Credit Systems LP. I would like company to be investigated as well removed from my credit report. Also, I would like for my Identity to be investigated as well. I feel my Identity has been stolen. Due to a security breach involving XXXX XXXX. I was employee there and they sent me a letter out saying that they have been breached by a hacker and this happened in XXXX. I believe, I will have to double check that information. My information was leaked and I did get identity theft security for a whole year free from that company that was over XXXX tree 's security team. But now the the time is up and that's when I found out about this collection or loan on my Credit report. I have no knowledge of this account. I am looking forward to help from you all thank you.
Consumer complaint received 2024-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (DE)

I am in a loan modification currently becuase i lost my job i paid the payment due XX/XX/XXXX with my account ending in XXXX via XXXX XXXX XXXX XXXX. The payment was not applied or attempted. I called on XXXX to ask why payment hasnt been taken. The rep escalated the issue and assured me the payment was going to be taken. I then scheduled a payment via my bank that was sent on XX/XX/year> and hasnt been processed.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN YHE pdf doc
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX ) On XX/XX/2017 I had to change my checking account number. I had recurring payments set up through XXXX site. I properly changed my checking account info. XXXX failed to afford me the option of re-enrolling in recurring payments. Without having been notified that my recurring payments ceased, I unintentionally missed my XX/XX/17 due date payment. As a result, my payment was 31 days late. XXXX refused to remove the late payment from my credit report, citing that the information provided is accurate and therefore will not be removed. XXXX  poorly designed payment platform caused me to miss my payment and I was provided with no reminder or warning that my recurring payment had ceased and needed to be set up again in order to make an on time payment. I am requesting assistance as a consumer due to this unfair and rather negligent practice.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (FL)

this is a XXXX XXXX card account, XXXX  XXXX  is handling it for XXXX  XXXX  their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I opened my Chase Account remotely in XXXX XXXX XXXXXXXX, and when I spoke to the customer service representative to finalise the opening of the account, I was assured that I would not have any overdraft fees and made them aware that this was already a service provided to me by my existing bank, XXXX XXXX XXXX XXXX XXXX They confirmed this and the account was opened. 

However, till date they have charged me 57 times at {$34.00} each time, with a further 6 times just in the past week ( 63 times in total, most times the amounts paid out were less than the {$34.00} fee )! The total they have charged me is {$2100.00}. I wrote them a complaint letter ( pls see attached ) on XXXX XX/XX/XXXX with a complete breakdown of charges, etc, to which a lady called XXXX from the executive office called ( XXXX XXXX ) and asked for the name and date of the person with whom I had spoken to initially. I responded and gave this information instantly ( same day, email is attached ) I then received a call from them again XXXX XX/XX/XXXX and leave a voicemail ( pls see attachment ). This was despite me asking them repeatedly to email me since I have had a prolonged illness and unable to speak over the phone. They said that they could only refund XXXX of the charges and were unable to trace any record of the call ( even though sate, time and name of staff was provided ) They proceeded to return the XXXX charges without confirming with me whether I accept them or not and have not contacted me since. This is why I have decided to take my complaint further with the CFPB since I believe that they have provided me with false information at the time of opening the account and then proceed to keep charging unscrupulously. 

Since I mentioned that I would be bringing my complaint to the CFPB, they have further penalised me by reducing my credit card limit by {$1000.00} with them without any notification, prior warning whatsoever and have left me unable to budget for the rest of the month. Pls bear in mind that the credit card has never had a payment missed and in most cases the balance was paid off in full before the statement was produced. ( Total limit was {$2500.00}, as of today its {$1500.00} ) I have attached all letters, itemised statements, correspondence, etc which should provide more detailed information for your consideration. I hope you can contact Chase Bank, and this matter can be resolved satisfactorily. 

Thanks and regards