davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

I was award a loan from the SBA that ally bank accepted .. within days of the loan ally bank closed my account stating fraudulent activity.i never received an alert nor call or email of any sorts. I reached out to them with all my legal documents pertaining to the loan and their agreement with accepting the loan as well. They had advised me to reach out to my loan institution to have them to request the funds back for release.the institution advised me that once the bank accepts the loan, it's my duty to retrieve it back because of responsibilities to pay it back. The bank has been giving me the run around for last 4 years stating my account was frozen by some government entities which is true. I spoke on the phone with both the SBA and ALLY BANK on a conference call and ally bank was advised that the loan was indeed legit. Ally bank had advised me that my funds would be released immediately during the conference call. The next day I had called ally bank back, they were no longer in agreement with releasing my funds.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (GA)

Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed?
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit. 
Account Number : XXXX Date Opened : XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

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 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I started direct deposit to my capital one account about XXXX wks ago my pay date is XX/XX/year> as of XXXX this morning my paycheck is not there and they are rejecting all my bills I have paid. when I opened the account I was under the impression they have early payday put that is false since talking to the rep it takes 14 day for you pay to start if you have a new account so now I have no money because capitalone is holding my direct deposit from my employer. Is this legal under REG E. how can they hold your direct deposit?
Consumer complaint received 2024-08-16
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: BARCLAYS BANK DELAWARE (FL)

I have been told on numerous occasions from BARCLAYS BANK DELAWARE that my credit card account XXXX was sent over too all three credit agencies XXXX XXXX XXXX XXXX and XXXX to report my credit card account. I only see my credit card account reports to only XXXX. And doesnt report too the other two credit bureaus.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

All of a sudden, Capital one restricted my account. I called them on XXXX XXXX and provided all the information required ( SSN, debit card number, Copy of ID ) for verification purposes. The Id verification was successful then suddenly the agent told me that he can not pull out my records and I need to call back again so that another agent can assist me and go through verification again. I tried calling them back again and again and again but no luck. This is a huge hassle for me.
Consumer complaint received 2023-10-28
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: Experian Information Solutions Inc. (FL)

I reached out to the bureaus about this debt being reported on my credit report. It is reflecting as a delinquent account from XXXX XXXX  I no longer owe this debt. All obligations have been made.
Consumer complaint received 2023-12-23
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. (NY)

The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.
Consumer complaint received 2023-12-23
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. (TX)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 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 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 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Tonight, I discovered unauthorized inquiries on my credit report, and Im at a loss as to why theyre there. When I checked my credit report like I normally do, I was shocked to find discrepancies that hadnt been there before. I thought it might be a browser glitch, but after refreshing, the unauthorized inquiries were still there. Im really upset and urge a thorough review of the documents Ive submitted to ensure this never happens again.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (UT)

Called today to report charges made by an application that has my card information and found out my account is closed and they were not able to provide me with an answer as to why. Now I owe this money on transactions I did not make.
Consumer complaint received 2023-10-28
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. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. tracking number for USPS is XXXX XXXX XXXX. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX  ) Has violated my rights XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

This correspondence is to notify LVNV FUNDING LLC that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''.

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, LVNV FUNDING LLC debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I posted on XXXX ( now known as " XXXX  '' ) that I was looking for XXXX XXXX concert tickets and an account with the username of XXXX XXXXXXXX direct messaged me that she had tickets to sell. She showed me a screen recording of the tickets to prove that she had them and told me they were {$160.00}. I sent her a XXXX  payment ( XXXX  to XXXX XXXX XXXX ) of {$160.00} Friday XXXX and she showed me that she 'sent ' the ticket to my XXXX  XXXX account ( so I could accept the tickets ) but it never showed up. She then said there was a 'transfer fee ' of {$100.00} which I XXXXXXXX XXXX  as well ( so I sent her a total of {$260.00} at this point ) and it was emailed to my XXXX account, but I still had no ticket in my XXXX  account. I then asked her to just give my money back and she told me her uncle would email me a check for {$450.00}, " {$260.00} for your money back and {$190.00} for the trouble ''. I told her that I did not need extra money, just my {$260.00} back. Then the XXXX ' emailed me a {$800.00} check and she told me he sent it to me so I can send it to her for her 'upkeep ' and I told her I was uncomfortable getting this much money from someone I don't know and she asked if I could deposit it and send it to her. I wanted to get over the situation so I deposited the checks to my account and once they were cleared, I sent her money and kept my {$260.00}. Both checks were deposited online on Monday XX/XX/XXXX : XXXX for {$450.00} and another for {$800.00}. She then told me to XXXX  her boyfriend the {$500.00} that was immediately available after the online deposit, XXXX  to XXXX XXXX XXXX. As the checks were pending, I called XXXX twice on Monday XX/XX/XXXX and spoke to XXXX different representatives to ask them if they can look into the checks and verify that they were real. I was told that they were real and money has been credited into my account. On Tuesday XX/XX/XXXX, the total amount was credited so I sent her the rest of the money via XXXX  to XXXX XXXX XXXX. On Thursday XX/XX/XXXX my account showed that the checks were altered/fictitious so I called Chase again and was able to speak to the claims department to report the scam. I also called XXXX and spoke to a representative who was able to document my case and said they will look into it. In total, I have lost {$1500.00} and am seeking help to get my money back.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (UNITED STATES MINOR OUTLYING ISLANDS)

On XX/XX/XXXX, I was informed by XXXX affairs my property taxes was paid since XXXX XXXX because I am a XXXX XXXX XXXX XXXX XXXX  I have been paying my property taxes along with my monthly {$1300.00} mortgage payment of {$540.00}. I was only required to pay {$100.00} a month. I called Pennymac Morgage company on XXXX XX/XX/XXXX, XXXX. I was informed by customer service, I would be receiving a check in the amount of {$2800.00} ( check # XXXX ) in XXXX days because they was going to send it via XXXX. Once 5 days ( XX/XX/XXXX ) pasted I requested a tracking number. I then was told that it was sent regular mail. Pennymac location is in XXXX California and I am in XXXX  California. I have inclosed my bank routing information to speed up the process. It has been 5 days pass due.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I am filing a formal complaint against LVNV Funding LLC c/o Resurgent Capital Services L.P. for engaging in unlawful and deceptive collection practices. Despite my efforts to resolve this matter directly with the agency, they have failed to adhere to federal regulations, resulting in ongoing harm to my consumer rights. 

Details of the Issue : [ Lack of Debt Validation : ] LVNV Funding LLC has placed a collection account on my consumer report without providing the required validation information. As outlined in 12 CFR 1006.34 ( b ) ( 5 ), they are obligated to supply this documentation before reporting the debt. Despite my request, they have not provided any validation, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

[ Denial of Dispute Opportunity : ] I was not given the opportunity to dispute the debt before it was reported to the credit bureaus. This is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which mandates that consumers be allowed to dispute accounts before they are reported. LVNV Funding LLC 's actions deprived me of this essential right.

[ Deceptive and Misleading Practices : ] The agencys actions in furnishing an unvalidated account to consumer reporting agencies constitute deceptive and misleading practices. This violates federal regulations, specifically 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ). 

[ Unauthorized Business Operations : ] According to the Nationwide Multistate Licensing System ( NMLS ), LVNV Funding LLC c/o Resurgent Capital Services L.P. is not licensed or authorized to conduct business in the State of Texas. Despite this, they have continued their collection efforts, further demonstrating their disregard for legal requirements. I have attached documentation from the NMLS confirming their lack of authorization.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (NV)

Ive been a vicitm of identity theft in the past as my information as well as other military personnel had thier information leaked online, Ive had extended fraud alerts and credit freezes in place, Yet scammers have been able to open accounts with my information, obtain employment and more in my name. 

Ive filed with FTC and signed an affidavit affirming these items are fraudulent, Im reaching out via CFPB and Certified mail to the credit agencies one last time before initiating a law suit for damages.

According to my new legal cousel they have 14 days from today and this report to remove these fraudulent items from my report.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding the failure of the credit reporting agencies ( XXXX and Experian ) and the debt collector [ XXXX XXXX XXXX ] to verify disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



On XX/XX/2023, over 60 days ago, I filed a dispute regarding : XXXX XXXX XXXX Account Number : XXXX on my credit report. As per FCRA 1681i ( a ), the credit reporting agencies are required to conduct a reasonable investigation and respond within 30 days. Additionally, under FDCPA 809 ( b ), the debt collector is also required to provide verification of the debt upon request. It has now been 77 days, and neither the credit reporting agencies nor the debt collector have provided any verification or response regarding the disputed item.

The presence of this unverified information on my credit report and the failure of the debt collector to verify the debt have adversely affected me i invested XXXX on a business and currently trying to get it funded and because of there action I'm missing on a XXXX funding process because i keep getting denied.

According to FCRA 1681i ( a ) ( 5 ) ( A ), if the credit reporting agencies are unable to verify the disputed information within the required timeframe, they are obligated to delete the item from my credit report. Furthermore, under FDCPA 809 ( b ), if the debt collector can not verify the debt, they should cease collection efforts. Given that it has been XXXX  days without verification from either party, I am requesting the CFPBs assistance in ensuring that the unverified information is removed from my credit report and that the debt collector ceases collection activities as mandated by federal law.