davidheineman/consumer-finance-complaints-large huggingface dataset:
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: General Motors Financial Company, Inc. (TX)

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I have recently seen a the company name NCB management services on my credit report. The inquiry on my report is unknown. Being that I have been a victim of identity theft and company scamming to get money from consumers in many different ways. This account displaying an amount owed of {$9700.00} and I never heard nor do I recognized this account I asked for proof of validation notice since 2019 and have yet seen anything signed with my name in connection with NCB management services. I am not liable for this debt with NCB Management Services nor do I have a contract with NCB Management Services I request this debt collect be removed from a credit reporting bureaus.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (PA)

I am in dire need of assistance regarding a distressing situation I am facing with Revolut, a financial technology company. For nearly three months, Revolut has been withholding my funds ( {$160000.00} ) without providing a clear reason or any substantial updates on the matter. 

Here is a summary of the issue : Account Hold : My Revolut account has been on hold since XX/XX/2024. Despite numerous attempts to resolve the matter, the situation remains unchanged. 

In-App Notification : When I access the Revolut app, there is a notification as of XX/XX/XXXX stating that my account will be closed down. Additionally, it instructs me to withdraw my funds by XX/XX/XXXX. 

Withdrawal Block : Despite the instruction to withdraw my funds, a hold still exists on my account, preventing me from making any withdrawals. 

Customer Support : I have contacted Revoluts in-app chat support multiple times. The responses I received were inconsistent and unhelpful. I was informed that the in-app notification was a " technical glitch '' and that my account was still under review. However, this contradicts the in-app prompt indicating that my account closure is imminent, which I trust far more than some random chat support agent that has told me to simply be patient ( after already being given dates that have not been met/fulfilled ).

Given the prolonged hold on my account and the lack of transparency and support from Revolut, I am deeply concerned about the status of my funds. 

I would greatly appreciate your guidance and assistance in resolving this matter. Specifically, I am seeking help with exploring any possible actions to ensure the release of my funds. I can provide any additional documentation or information you may require to assist in this matter. Please let me know a convenient time for us to discuss this further. I am looking forward to your prompt response and assistance. 

Thank you very much for your time and support.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

I was two months behind on my Mortgage with Carrington. I made the two payments on XX/XX/XXXX. They had recently completed escrow analysis effective for XX/XX/XXXX. 
I wanted to make sure the escrow analysis included the two escrow payments which included in my mortgage that was made on XX/XX/XXXX. Also want to see what my LTV ( Loan to Value ) and see if could delete the PMI. My calculations I am around .73. I  should have my PMI deleted when I was at 78 per cent. The previous service was with XXXX XXXX XXXX and to avoiding doing a modification they transferred my loan to Carrington Mortagage I called Carrington Mortgage XX/XX/XXXX around XXXX central time. I asked for a new escrow analysis. The representative could not confirm there was any changes in my escrow because of the two mortgage payments. I explain to her that if those two escrow payments was not included that would eliminate my shortage by me making the two mortgage payments. She told they will not do new escrow only if taxes, insurance or if shortage is paid. Then ask for what my LTV is.  She did know what LTV was so I explain to it to her. She told me she did know where that information is. Then talk to Senior Representative and was told the same thing. I started discussing about my PMI to the Senior representative she keep referring my mortgage as a FHA. I did point out that FHA has MIP and not PMI. I also advised my loan was either XXXX or XXXX XXXX. I felt like new more about my loan than Carrington did
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX XXXX XXXX XXXX, XXXX, XXXX. XX/XX/XXXX. This CFPB Complaint has been filed to request pursuant to FCRA 608B ( 15 U.S.C. 1681c-2 that you. The XXXX XXXX XXXX agency block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving the complaint. This fraudulent inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened XX/XX/XXXX Credit Acceptance Corporation under account number XXXX and personal credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of then consumer XXXX 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 made, or initiated by me, All of the aforementioned accounts, collections and hard inquiries are the result of idenity theft and fraud. I have attached copy of FTC idenity theft criminal complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of idenity theft and fraud.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XXXX of XXXX I received a letter from Citi Bank that my checking account with at least {$1500.00} was being closed due to fraudulent activity and that in 90 days following the letter I would be receiving a check with whatever amount I had in the bank. It has been more than a year and still no check. Just a lot of run around on the phone with customer service who can not give me a straight answer and will not do anything to help me. I opened this account online. There is no Citi Bank branch anywhere near me. The last person I spoke with told me that I have to go personally to a branch for them to help me! With what car?!? How will I know that the branch is going to have a solution? When everyone that I speak with cant conveniently find my closed account anywhere on their end! I have been getting the run around from these people for way too long. Something needs to happen I need my money!
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (KY)

I have previously communicated my objections regarding this account, yet NATIONAL CREDIT SYSTEMS has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue stress and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages.

Halt Collection Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties.

Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands.

Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. 

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (IN)

XXXX {$1500.00} XXXX {$4200.00} XXXX {$4900.00} XXXX {$4900.00} XXXX {$15000.00} XXXX is fraud. As this was an investment. Company has not responded. This was investment of mobile application which was never received
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

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 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 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

My debit card was used without my knowledge by companies under fake names that I could not find. I submitted a dispute claim through chase and it was declined. 
I have attached pictures onto this form that show the amounts and on what dates the money was taken. I have never been to XXXX yet somehow the charges appear to have been made in XXXX
Consumer complaint received 2024-08-30
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: CL Holdings LLC (NV)

As Per FDCPA AND FCRA LAWS, COLLECTION AGENCIES MUST VALIDATE DEBT WITHIN 5 DAYS AT THE REQUEST OF THE CONSUMER, IN A NUTSHELL, DEBT VALIDATION IS A SPECIFIC PROCESS THAT COLLECTION AGENCIES MUST FOLLOW PER THE LAW. NONE OF THE COLLECTION AGENCIES I SENT LETTERS TO AND NONE OF THE XXXX CREDIT BUREAUS I SENT SPECIFIC DEBT VALIDATION REQUESTS TO HAVE FOLLOWED FDCPA AND FCRA LAWS AND PRODUCED ANY OF THE DOCUMENTS IVE REQUESTED :. 

THEY MUST PRODUCE THE DOCUMENTS I REQUESTED THAT INCLUDE : ASSIGNMENT CONTRACT DATE OF LAST MISSED PAYMENT PURCHASE AGREEMENT XXXX OPT OUT OF 3RD PARTY AGREEMENT METHOD USED FOR VALIDATION AND WHO VALIDATED LICENSE TO COLLECT DEBT IN MY STATE STATUE OF LIMITATION THE DEBTS LISTED ON MY CREDIT REPORT MUST BE VALIDATED OR MUST BE DELETED OR REMOVED AS THE COLLECTION AGENCY CAN NOT CONTINUE TO DAMAGE MY CREDIT BY REPORTING THIS INFORMATION IF THEY DO NOT VALIDATE IT : THOSE DEBTS INCLUDE : XXXX XXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am filing a formal dispute regarding a collection account reported by Portfolio Recovery Associates on my credit report. This account, listed under the reference number and amount of {$1000.00}, was reported on XX/XX/2024. I dispute this account on the grounds that I have no contractual agreement with Portfolio Recovery Associates, nor has there been any verification of the debt or assignment transfer contract provided that would legally authorize them to collect on this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this right, no validation has been provided, and Portfolio Recovery Associates has failed to produce any documentation establishing their legal authority to collect on this alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification of this debt confirms that this collection account is both inaccurate and unverifiable. I am also filing this complaint against XXXX for reporting this inaccurate and unverified collection account on my credit report. XXXX has a legal obligation under the FCRA to ensure the accuracy of the information they report. By continuing to report this erroneous account without proper verification, XXXX is in violation of the FCRA. I am requesting the immediate deletion of this account from my credit report by both Portfolio Recovery Associates and XXXX. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action to ensure compliance with federal laws. I expect this issue to be resolved promptly and request confirmation that this account has been removed from my credit report.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I was a victim of a phising scam - my bank is not helping me solve the issue. 
Not only will they not cover the lost funds, they are refusing to change my account number. 

The bank is USAA. 

The funds were wired to XXXX XXXX - and a quick XXXX search shows several XXXX postings of known fraud and scams. 

They sent me a letter that said there was no fraudulent activity.
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (KY)

I have previously communicated my objections regarding this account, yet NCB MANAGEMENT SERVICES has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue stress and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages. 
XXXX XXXX Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties. 
Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands. 
Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. 

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (CA)

After years of making monthly loan payments of {$1900.00}, an additional charge of {$360.00} was unexpectedly applied to our XX/XX/year> account. Despite contacting the company multiple times and providing documentation showing that nothing has changed on our end, the company continues to charge this additional fee without offering any explanation.
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XXXX XXXX has turned over a {$340.00} bill to collection for a place I have never lived nor taken service. I gave the name & contact information for the person who lived there & paid their bills. They refuse to investigate or respond to the dispute. It has taken down my perfect credit score from XXXX to XXXX. I am a XXXX year old XXXX on ss & have paid all my bills before due dates. I will have died by the time this goes off my record! And I need my credit score to be returned & this off my record. XXXX has been XXXX 10 years. My ss is XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

I have contacted the debt collector and asked for them to send me documents of the original debt that is claimed to be owed by myself in XX/XX/2023. They have yet to provide me with any documents stating that. They also provided my with an address of where the debt had occurred and that address has never been my residence.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

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 XXXX XXXX
Consumer complaint received 2020-01-03
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. (CA)

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (GA)

On XX/XX/year> I requested a letter of validation letter of the debt outlined in a letter from this third party collector Velocity. Their site gave me an email server error and I emailed them from my personal account. I did not received the requested letter in 10 days as required. Today I attempted a second effort to get a validation of debt letter in response to thier letter I received. This site was not working again and I received another email server error and again sent a request via my personal email account. I want to note that I keep getting a barage of spam calls and no voicemail messages are left. This debt was previously with a debt consolidation company which is in litigation and I filed a separate complaint for that previously for XXXX XXXX XXXX XXXX.