davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc. (NC)

I have this company Monarch Recovery repeatedly call regarding some sort of debt collection that is not mine and not under my name or SS #. I have repeatedly asked them to take my number off of whatever this account is for because I am not the person who's name they ask for. They either hang up on me as soon as I say, " take my number off '' or say they will update the account and then just call me again the next day as you can see from the call log below. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXasked them to take my number off* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked them to take my number off* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked them to take my number offXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX *asked them to take my number off* 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  feel like they've possibly been calling me for longer, but these are the only ones I noted in my phone as coming from Monarch Recovery specifically.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete XXXX XXXX XXXX {$230.00} XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX XXXX  XXXX {$12000.00} XXXXXXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (IL)

I will keep on REWRITING to complaint to LOANCARE SERVICING about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/scrub>XX/XX/XXXX The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Navient is reporting a late payment that needs to be removed. I have had this account for a very long time, I put this account on auto pay and seem to have issues. Navient recently cancelled my auto pay without any notification to me. I noticed that the payment did not go through as normally so I went ahead and looked and sure enough they never drafted it because they cancelled it. I went ahead and put it on auto pay again and made the payment however, they notated the payment as late and it is now affecting my credit file. This needs to be removed as it was not my fault.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have a account with XXXX XXXX XXXX XXXX  and I have paid the balance in full and its showing on my credit report that account is open and balance is owed I will like this account to be updated correctly or deleted from my credit report I will be submitting documentation.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (CA)

My whole life was stolen this year. My social security number, my car, my house, everything I owned. I had 3 phones in my car when stolen, linked to my cash app account. My phone was got into, and money was sent and spent that was not me. That was fraud and I should not have been charged for being a victim of theft. My balance then went negative yet I had money ( {$200.00} ) in my savings account. Cash app will not let me get my balance, because they want me to pay that {$280.00} Im negative from when my stuff got stolen. They will not help me with disputing any of these transactions and have failed as a business. I have already paid multiple fees and things on my cash app that I unfortunately had to take the loss for, resulting in my missing out on money before the other {$280.00} was taken out and Im still going through hardships due to losing everything. Sorry I can not pay cash app because my money was fraudulently spent. Cash app has poor security services and is absolutely no help when In a financial hardship.
Consumer complaint received 2023-09-28
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. (MI)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2024-08-30
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: CL Holdings LLC (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc. (NJ)

I received XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX in XXXX NJ from XXXX through XX/XX/XXXX. 

I was subsequently bill {$2100.00} for costs not covered by XXXX and/or XXXX XXXX NJ. 

In XX/XX/XXXX, I requested to apply for financial hardship and was sent the application which I completed and submitted with all requested documentation of financial hardship. 

In late XX/XX/XXXX, I received notification from Savit Collection Agemcu om XXXX XXXX NJ that they were attempting to collect {$2100.00} on behalf of XXXX. 

I notified Savit by letter dated XXXX XXXX that was disputing the debt as I was in contact with XXXX re : financial hardship and had not heard anything back. 

I subsequestly received voice mail messages from Savit representative and returned their call, advising again that the debt was in dispute and I was awaiting response from XXXX. 

On XX/XX/XXXX, I received written response from Savit regarding my dispute. In that letter, they advised that they had marked the file as in dispute and had communicated that to XXXX. In that same letter, they informed me that XXXX had informed them that my financial hardship application had been denied and that XXXX had left voice mail messages to that effect on two separate dates. 

I have not received any notification -- written or verbal -- from XXXX regarding my hardship application and am still awaiting their determination. 

In XX/XX/XXXX, I received notification from the three credit bureaus ( XXXX, XXXX, and XXXX ) that Savit had submitted the bill as unpaid. This lowered by credit rating by approximately XXXX points. 

I would like this debt removed from my credit reports immediately and to be assured that it will not be placed on my credit report until my financial hardship has been determined -- with adequate documentation -- and I have had sufficient opportunity to review and respond to that determination.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

On XX/XX/year>, Navient reviewed my school misconduct application and denied it with no reason as to why. See details in the quote below... 

From Navient : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (UT)

BY LAW, a credit card company is required to identify all creditors on their customer billings by creditors names, transaction dates and associated reference numbers. Wells Fargos credit card division refuses to do so.

BY LAW, a credit card company ( under the terms of its contract ) is required to investigate any suspected fraudulent claims made by a creditor once that questionable purchase is charged to a customers credit card. In order to do such, BY LAW, a credit card company must BE ABLE to identify the suspected offender,

date of purchase/transaction and associated reference number ( used to research what was purchased ). Wells Fargos credit card division refuses to do so. I have recently learned that agents working for Wells
Fargo are prohibited from reviewing a customers entire business record and those same people are expected to resolve all customers problems and complaints ( with very limited information ). That maybe the true essence for my complaint; prohibiting a customer ( and FTC and CFPB ) from communicating directly with a Wells Fargo employee who has total access to a customers records. So, those uniformed agents rely on misdirection and deception.

Wells Fargo claims they are above the law on these issues and therefore, can harass their customers by utilizing highly unethical and illegal practices for unsubstantiated charges ( and to ignore the terms of their own contractual agreements ). I want to know why Wells Fargo deems itself above the law on all business transactions with its customers.
Consumer complaint received 2024-08-30
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: CREDIT ACCEPTANCE CORPORATION (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

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

I demand, with the utmost certainty, that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (GA)

Monday XX/XX/XXXX, XXXX Re : Account Number : XXXX / VIN Number : XXXX To whom it may concern I am writing to formally dispute the account and transactions pertaining to the XXXX XXXX XXXX XXXX which was financed through your institution under the account number XXXX. As you are aware the vehicle in question was repossessed by XXXX lending services in the state of Georgia and subsequently resold by XXXXXXXX XXXX  XXXX XXXX in XXXX. I was not notified of this repossession when the vehicle was forcibly taken from possession without my notice. When removed a series of my personal possessions still in the vehicle was removed including but not limited to clothes, sneakers, personal documents and valuables as I had recently lost my house and the miss of moving this possession from XXXX place to another when the vehicle was repossessed. Those items were valued at an estimated XXXX XXXX dollars. After doing further research and calling representatives of XXXX XXXX XXXXXXXX XXXX they informed me my possessions were discarded and the vehicle was in full detail but global lending services. 



I was not notified of the vehicle being resold at auction nor was I notified that the date or price was resold at. After my own research I have found that the vehicle was sold in XXXX for the amount of XXXX dollars .Although the vehicle was sold for that amount listed above the remaining balance owed that this institution is reporting on my credit is XXXX dollars. This is inaccurate. This innacury is being constantly reported on my credit report. The reporting of these accounts is violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report. { to be exact subsection 1681e, 1681g,1681h, 1681i } I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as the evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. Failure to furnish the requested proof within 30 days from the receipt of this notice will render the alleged deficiency claim null and void. I then demand the complete removal of all references to this account ( XXXX ) from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX and written confirmation of the deletion of any previous reports made to these credit bureaus Any further collection activities and continuation of reporting this inaccurate debt will be regarded as a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

On XX/XX/year> XXXX  Disturbment for XXXX I switched money all the money from my account which wouldve had my balance at XXXX cents On XX/XX/XXXX around XXXX am I made 3 transactions 2 for XXXX XXXX and 1 for XXXX which after attempting to check my balance I noticed that I could not login to my Mobile Banking I advised the Bank what the reason was given which they cited that I was being put under review for Further Identity Verification, citing that because I opened the account online I would need to send documents in which on the same day XX/XX/year> @ XXXX am I sent the Following Documents into the Bank and have been calling every since to get my Account Unblocked Which BMO has clearly refused and rejected to even assist me with their investigation I have spoke to Very Rude Customer Fraud Reps including XXXX, XXXX ( She actually threatened me, which I have on a recorded line citing that if I called back she would close my account ) XXXX and some from yesterday I have been begging and pleading with BMO to release the account from review so that I pull my money and close this account with them my experience with this bank has been terrible I no longer trust them as my bank and want to end my Bank Relationship with them
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds for removal they also violated my rights under 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 an account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX