davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUSTMARK CORPORATION (MS)

In XX/XX/XXXX I applied for a HELOC loan with Trustmark Bank. The loan was for debt consolidation of my credit cards and others loans. I was denied. The reason for the denial was debt-to-ratio. The loan was to bring debt-to-ratio within the guidelines. XXXX to XX/XX/XXXX my credit score was XXXX and my payment history was perfect. On XX/XX/XXXX to XX/XX/XXXX I went thru a divorce. On XX/XX/XXXX I tried a debt consolidation company. I shared all this info during the process an was still denied. I have had an account ( checking ) with Trustmark for 30 plus years. Dew to my credit history and my history with Trustmark Bank I feel that I was discriminate against.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Signed up with Experian a while back for free credit monitoring. Long story short, every time you log-in they send you to a page that tries to get you to pay for their membership. I hit decline every time I log-in, but at some point Experian started trying to charge me for the paid membership even though I did not sign up for it. They now periodically charge a card of mine that is no longer active and send me an email each time it declines. When I go to log on it takes me to a page to update my payment info but there is no option to decline and I can no longer get into the account generally because that is the only page I see. I sent an email requesting they stop doing this but I have not received a response.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

This company is harassing me for debts that has reached the statuary limit. Ive been asking for a certified copy of an original contract between the above-mentioned and myself, with my signature specifically naming the above company as strict proof of contract that Ive yet to receive. Instead, Ive received copies of statements theyve brought from the original company along with the date of purchase to another collection agency before them. The date in which they purchased the debt is not on the documents. Im receiving letters with dates as far back as XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within XXXX  days. Enclosed are supporting documents.
Consumer complaint received 2024-07-26
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: Paypal Holdings, Inc (NY)

I placed an order online on XX/XX/XXXX amount is XXXX and tracking information shows shipping from XXXX XXXX XXXX California . But seller told me it was out of stock and it will ship from XXXX. Then i request seller to cancel it because i cant wait that long and i move soon. But seller not cancel it and shipped it. It takes more than XXXX weeks for shipping and i moved back to California then package was delivered but Im not there any more. I contact PayPal and tell agent all the truth and also upload screenshots of all the conversation email with seller to PayPal .buXXXX PayPal denied my dispute claim because it said package delivered. But the problem is before i told seller i move soon and not able to received the package. Hope can get help for this issue. Thank you so much
Consumer complaint received 2024-08-07
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. (NC)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, experian and XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX XXXX around XX/XX/XXXX account number # XXXX, an auto loan at XXXXXXXX XXXX XXXX around XX/XX/XXXX account number # XXXX and XXXX XXXX at Us departement of education around XX/XX/XXXX account number # XXXX, and a CXXXX XXXX  Bankruptcy around XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports all collection activity related to said items cease pursuant to FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-23
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: BMO Bank, N.A. (WI)

I have a company credit card from when I worked for XXXX based in XXXX, XXXX. I was laid off approximately a month and a half ago. Today I am getting a call about an outstanding balance of XXXX. I haven't used the card since I left and or for many months prior. The credit card company is telling me I need to file an expense report, which I can not do because I do not work there anymore and have no connections to reach out to. The amount is a matter for XXXX the company I worked for, and it is not my responsibility or ability to resolve at this point.
Consumer complaint received 2024-07-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

Dear Toyota Motor Credit ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 
Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature. Complete account history, including collection-related charges. I am filing a formal complaint citing violations of my
consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (FL)

XXXX XXXX from XXXX XXXX Department ( XXXX ) called a family member on XX/XX/year> and left a message with information pertaining to a personal matter that did not involve that family member. My family member 's voicemail clearly states their name which is not even close to mine, but she proceeded to leave a voicemail going into detail about a personal matter that does not involve said family member. XXXX XXXX then proceeded to call my brother on that same day, XX/XX/year>, and left a similar voicemail. 

XXXX XXXX XXXX reached out to this same family member back on XX/XX/year> and I spoke to XXXX at XXXX XXXX XXXX on XX/XX/year> at approx. XXXX, who was at the time, working on the same personal matter as XXXX XXXX XXXX to not call any of my family members going forward. I do not know the relationship between XXXX XXXX at XXXX XXXX Department and XXXX XXXX XXXX ( XXXX ) but they continue ( despite me asking them not to ) call and harass my family members. They all have my contact information but still choose to reach out to my family members after me telling them not to. 

I want the original creditor XXXX XXXX held accountable too because they are retaining these companies to seek out and harass my family which is unacceptable. I have kept records of all interactions between both companies and can furnish whatever proof is needed upon request. This is my final attempt to make these harassment calls stop, my next step is consulting an attorney.
Consumer complaint received 2024-07-23
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. (IN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (LA)

CFPB Complaint for Fair Debt Collection Practices Act ( FDCPA ) Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Complaint Regarding Spring Oaks Capital , LLC Dear CFPB, I am writing to file a complaint against Spring Oaks Capital , LLC, a debt collection agency, for violating the Fair Debt Collectio Practices Act ( FDCPA ). 
XXXX XXXX XXXX has violated my rights under the FDCPA in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) I have not received any written communication from XXXX XXXX XXXX regarding a debt they claim I owe. This communication is required by law to include validation information, which details the amount of the debt, the creditor 's name, and my rights to dispute the debt.

False and Misleading Representatio ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) XXXX XXXX XXXX has placed a collection account on my credit report without providing the required validation information. This action misrepresents the legitimacy of the debt and could potentially damage my credit score.

Deceptive Means ( 15 U.S.C. 1681s-2 ( 7 ) ( A ) ) By furnishing information to a credit reporting agency without proper validation, XXXX XXXX XXXX is using deceptive means to collect a debt.

Failure to Cease Communication After Dispute ( 15 U.S.C. 1692k ( c ) ) ( This section is not applicable in this case as you haven't submitted a dispute letter yet ). However, you can add this section if you plan to send a dispute letter to XXXX XXXX XXXX requesting them to cease communication and includ it in your CFPB complaint mentioning your future intent. 
XXXX XXXX XXXX Im Revoking all rights of them communicating with me through email, Texts, calls and Im also requesing the Purchase agreement between XXXX XXXX XXXX and the original creditor. And furnish proof there incens and Bonded I request that the CFPB investigate these violations and take appropriate action against Spring Oaks Capital , LLC. This may include requiring them to remove the inaccurate collection information from my credit report, cease further communication regarding this debt, and potentiall compensate me for any damages incurred. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

I have monthly payments scheduled using XXXX XXXX from Wells Fargo for the XXXX of each month to XXXX XXXX. My monthly payment is due on the XXXX of each month, so extra time to reach XXXX was allowed. My XXXX and XXXX payments were not sent until the XXXX. I have reached out to Wells Fargo and they say they did not do anything wrong, and followed my payment instructions. How can sending a payment on the XXXX be following my instructions to send it on the XXXX? You will see in the attached Proof of Payment documents that the payment was scheduled for the XXXX yet the checks are dated the XXXX. I was charged {$30.00} for the late XXXX payment, and {$41.00} plus {$2.00} interest for the late XXXX payment. I also reached out to XXXX to see if they would waive these fees and they refused. I believe Wells Fargo is responsible for these payments arriving late and should reimburse me.
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

In XXXX of 2020, I deployed to XXXX XXXX. I submitted a copy of my lease with the landlord XXXX  months prior to my PCS date. She agreed that my lease would not be considered broken due to that reason, and I had no past due balance when I turned in my keys to her. I received found out about a collection account with XXXX XXXX XXXX for the amount of {$5200.00} for past due rent and an eviction. I contacted the company on XXXX XXXX requesting proof of this debt as well as any contract that I have signed. I havent not heard from them. Every month, the amount increases and they still have not sent attempted to contact me.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (OR)

Commencing on or around early XXXX XXXX, I fell victim to a multi-layered scam operations run by XXXXXXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Charles Schwab account to fraudulent investment firm.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NM)

So i really do not remember the date I got contacted by the debt collection business. The total amount is {$9400.00}. I just remember them telling me about a debt I owe. I did not purchase or have any prior business with them. I told them I did not sign any contract and they should send me an itemized bill stating all the charges. I have not heard from them. I do not know what to do other than to reach out to CFPB for help. I am trying to survive and try to get a place for my family overwise we will go homeless. Please I need your help. I need this debt to be removed from my credit report as soon as possible. Thanks for your help.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (GA)

I used my PayPal card to reserve an extended stay on XX/XX/year>. I arrived at XXXX XXXX in XXXX GA via the booking.com mobile app only to find housekeeping had not cleaned the room. The bed was messy, the bathroom had a leak, towels and wash clothes were on the floor, trash was in the room, the room had an offensive odor and I could go on but I will stop here. I immediately went to the front desk reported the condition of the room and requested a refund. I was told I would receive a full refund in XXXX to XXXX days. After that, I immediately reserved a room at another hotel and checked in for the duration of my initial stay. This caused a major inconvenience in my schedule and cost an additional reservation and stay rate. I reserved the room based on their site which falsified everything about the condition of this establishment. When viewing their site the rooms are clean, have ample lighting, etc. As you can see from my photographs this was a lie. I contacted XXXX XXXX XXXX and booking.com to notify them I hadn't received the {$490.00} and did not receive a response after several attempts. At that point, I contacted Paypal ( the company I have an account with that debited my card for the stay ) to request a reversal for the stay. After several years of being a debit and business card holder with XXXX, They were of no assistance. I am filing a complaint against Paypal and XXXX XXXX XXXX XXXX XXXX GA via XXXX mobile app for a full refund of the initial stay as well as the second reservation ( {$310.00} ) that was a direct result of Home Towne Studios false advertisement via their website to consumers and failing to resolve the matter after being notified.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Subject : Request for Investigation of Identity Theft on Credit Report Dear [ Credit Bureau ], I am writing to bring to your attention a serious issue that has negatively affected my credit report due to identity theft by a family member who shares my same identity. I am the victim of fraudulent activity that has been perpetrated by XXXX  XXXX who is identical to me and has maliciously used my personal information to open unauthorized accounts. This situation is especially distressing as XXXX  XXXX ] and I have a tumultuous relationship resulting from personal betrayal when she had an XXXX  with my husband at the time. I strongly believe that her actions in committing identity theft against me are a deliberate attempt to cause further harm and damage to my financial well-being. I have taken steps to address this issue by contacting the credit reporting agencies and initiating disputes for the fraudulent accounts on my credit report. However, I urge you to conduct a thorough investigation into this matter to rectify the inaccuracies and remove any unauthorized transactions capital one {$1000.00} consumer adj {$1000.00}
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have repeatedly tried to sign in to my online banking at Bank of America. I need to have them send me a passcode in order to actually get into my accounts ( bank account, credit cards, mortgage ), but their system phoned me but does not supply a passcode. I try signing in at least one more time. I phone them to get them to give me a passcode, but they never escalate the situation so that their system will actually provide me a passcode. Not only that, they never give me a passcode to get into the account ; rather, they change my passcode, which I have expressly told them I do not want them to do. I have also expressly told them that I want them to escalate this so that their system gets changed.

I believe I have also written a letter to their outside auditor to let the auditor know that Bank of America 's system of internal control is not working properly.
Consumer complaint received 2024-07-10
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.