davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

I am REWRITING to complaint SELFINC/LEAD about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number 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 2024-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (MD)

On XX/XX/XXXX, I reached out to XXXX after seeing on my credit report that Prince Parker and Associated had reported a {$150.00} debt from an account I held with XXXX XXXX XXXX. However, neither XXXX nor Prince Parker and Associated validated the debt with a contract or any evidence that it belonged to me. Despite this, XXXX took Prince Parker and Associated 's word and claimed they had validated the debt over the phone and mail, without providing any supporting documentation. I had already settled my account with XXXX XXXX XXXX directly and had no outstanding debts. Even so, XXXX refuses to remove this negative remark from my credit report, and Prince Parker is unwilling to provide any supporting documents to prove the debt belongs to me. Given that I have no dealings with them, I ask for the removal of this unjust remark from my credit report, as I do not owe Prince Parker and Associated any debt.
Consumer complaint received 2024-08-05
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: I.C. System, Inc. (CT)

I am filing a complaint against IC System due to their failure to respond to my debt verification request in a timely manner, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I sent a dispute letter to IC System via USPS-certified mail with tracking number XXXX. The letter was delivered on XX/XX/year>. In my letter, I requested the following information : a copy of the contract, as I need to understand the terms of the alleged debt ; a copy of the purchase agreement, as I question whether IC System actually owns this debt ; and account statements, including the last statement showing a XXXX balance and all subsequent statements up until the point where the amounts owed reached {$150.00}, {$640.00}, and {$560.00}, so I can understand how the charges were calculated. 
As per the FDCPA, a debt collector is required to provide the requested information within 30 days of receiving a dispute. To date, I have not received any response from IC System. This lack of response constitutes a direct violation of the FCRA and FDCPA, which mandate that debt collectors must provide verification of the debt upon request.

I am including a copy of my dispute letter sent to IC System on XX/XX/year>, and the USPS-certified mail confirmation showing the letter was delivered on XX/XX/year>, as evidence of my claim.
Consumer complaint received 2024-08-02
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: Self Financial Inc. (MO)

Dear SBNASELFLNDR, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, XXXX identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that SBNASELFLNDR immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

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

Done in good faith.
Consumer complaint received 2024-08-02
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: Self Financial Inc. (MO)

Dear SELFINC/LEAD, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX, MO XXXX 

It has come to my attention that SELFINC/LEAD has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, XXXX identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for SELFINC/LEAD to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand thatSELFINC/LEAD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

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

Done in good faith.
Consumer complaint received 2024-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

When I received my XX/XX/year> statement, it included the following listed as charges : XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX  {$410.00} XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  {$260.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} It also listed a payment dated XX/XX/XXXX for {$1000.00} I called CapitolOne to report that these were not my transactions. From the start, they were concerned only with the source of the XX/XX/XXXX payment. They requested that I provide them with a bank statement for the account. I informed them that I didn't recognize that bank, I did not have an account there and that the payment wasn't mine. I did try to open an investigation of the XXXX fraudulent charges in XXXX and South Carolina. 

A few days later I was called by CapitolOne and they informed me that they were investigating the XX/XX/XXXX payment and that I needed to provide them with the relevant bank statements for the payment. I again replied that I did not recognize that bank, I do not have an account there and the account isn't mine. 

When I received my statement from CapitolOne for XX/XX/year>, the fraudulent charges were still being billed and I had been assessed a late fee. I called CapitolOne and they told me that they were unable to do any further investigation on the account until I provided them with bank statements from the payment. I again told them that I didn't recognize the bank, I didn't have an account there and the payment wasn't mine. 

On XX/XX/year>, I faxed Capitol One a letter to reiterate that I did not recognize the bank that had made the payment, I did not have an account there and that I had not made the payment. I did request that they investigate the fraudulent charges. 

I have since received my statement for XX/XX/year> from CapitolOne with the XXXX XXXX charges still being assessed, as well as late fees and interest. I called them today and they once again demanded bank statements from the account that made the XX/XX/XXXX payment. I again informed them that I did not recognize the bank, I did not have an account there and I did not make that payment. I was informed that until I provide the bank records for the payment, they were unable to do anything with the account and the fraudulent charges.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

I intitially placed a security freeze on my credit report through Sage Stream in XXXX. I now am trying to remove the security freeze as I am in the background process for a new career and must remove the freeze for the company to access my credit report. I have called over 20 times, left 5 voicemails between the dates of XXXX nad XXXXXX/XX/. I have faxed in twice my information to remove with the PIN and proper information and no return phone call. The phone directory routes all calls to a voicemail, or to say that all Sage Stream Reps are on another call. I have reached out to the Customer Service Director via XXXX and was told to call Sage Stream and the " team '' would help with my removal. There is no team to do this. This is absolutely illegal, immoral, unprofessional and ridiculous that a credit reporting agency can string out a consumer in this regard. This company has no right, and should be closed down because I know there are thousands others.
Consumer complaint received 2023-11-21
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: FIRST PORTFOLIO SERVICING INC (DE)

My credit card limit is {$300.00}. I had a XXXX balance before I made a transaction on XX/XX/23 at XXXX XXXX XXXX, for {$66.00} which shows up as XXXX XXXX on my statement. On XX/XX/XXXX at XXXXXXXX XXXX  I made a payment of {$68.00}. which shouldve brought my balance back to XXXX. I then made two transactions on XX/XX/XXXX one at new balance XXXX XXXX, and one at XXXX in XXXX, PA. I go to check my balance yesterday because I was trying to do something with my card and I seen that I still have the balance from the three transactions and my payment I made is not reflected on my balance. So I give the company a call and try to find out whats going on, the representative could not tell me much and we was on the phone for like 20 minutes l. So I had to ask to speak to a supervisor to see if I can get some clarity of what was going on. The supervisor could not tell me much. I explained to her the transactions I made, and the payment I made. When you calculate the payments I made, and the transactions I made my balance should not be what it is. So thats why Im coming to your office for help.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TX)

I have tried to get this issue resolved with XXXX XXXX but they refuse to listen or even reach out to the original debt holder to verify information. I have sent a letter requesting proof of debt and all I get in return is a letter stating this is a debt you owe {$1900.00}. 

The original debt was owed to XXXX XXXX Professionals and was paid by XXXX  XXXX on XX/XX/year>. XXXX XXXX for whatever reason tried to bill the state twice for the same services which is not allowed. Leaving this " new '' balance unpaid. All attempt to reach out to XXXX XXXX have failed as all numbers listed for them are disconnected. When reaching out to XXXX they refuse to stop collection activities or verify that XXXX XXXX did in fact receive payment.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

In XXXX I received notifications from my credit union and other credit accounts that XXXX XXXX had posted XXXX late payments on my credit reports. This reduced my credit score by XXXX points, or more. 

I went on to my XXXX account and downloaded my history report from XX/XX/XXXX XX/XX/XXXX. 

My payment due date is the XXXX of the month. As you will see, there were no late payments, in fact the majority of payments were early. 

I decided not to use a credit reporting service or contact XXXX due to the situation I experienced with my conversation with a XXXX representative and complaint filed with XXXX. I filed a complaint regarding this situation with CFPB yesterday. ( Complaint Number XXXX ).
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

My vehicle was stolen and insurance co issued payoff check along with gap company. Chrysler financial cashed both checks on XX/XX/XXXX. Has yet to credit account and show as paid in full. I have called many time and as of today account still has the outstanding balance. No one is willing to resolve issues
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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.

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 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (FL)

My current mortgage company, PHH Mortgage, overpaid the county property taxes last XXXX in the amount of {$15000.00}, which has led to a negative balance in my escrow account ( - {$8100.00} ). In XX/XX/year> XXXX Mortgage issued an 140 % mortgage increase ( from {$1800.00} to {$4300.00} ) that is in effect starting XX/XX/year>, for the next XXXX months to replenish my escrow account. I have contacted PHH Mortgage multiple times via phone and email about their mistake and requested that the mortgage payment increase be put on hold until their internal investigation is complete. I was given blanket statements such as Your issue is being reviewed by our Research Department. Please allow ten business days to complete the research and respond to you On XX/XX/XXXX their research department issued me a letter stating they will not pause the payment increase and I am expected to make {$4300.00} monthly payment. They also requested that I provide them with the updated legal description of my property for them to resume their investigation. 
I have provided them the updated legal description of my property on XX/XX/year>, and I have not heard back from their research team. After providing PHH Mortgage with an updated legal description to my property I shipped out my original mortgage payment of {$1800.00} on a money order to PHH using XXXX overnight priority shipping to ensure PHH receives the original mortgage payment by XX/XX/XXXX. Which I have confirmed they have received. I can not pay the additional 140 % increase and feel at a loss from this incoming financial hardship.
Consumer complaint received 2024-07-08
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: JPMORGAN CHASE & CO. (CO)

This dispute is with XXXX XXXX XXXX in XXXX Colorado and Chase Bank Credit Card. 

There have been fraudulent charges that Chase credit card reversed because they say that I made the purchases because the card reader says " in person ''. 

There are 4 charges that Chase said I made but I did NOT : XXXX XXXX XXXX XXXX XXXX for {$12.00} -XXXX  XXXX for XXXX XXXX XXXX for {$12.00} XXXX XXXX for {$12.00} I have provided the address of XXXX XXXX, which is someone's personal house. The phone number featured on the transaction doesn't work. Yet Chase bank does not see any of this evidence because they say the purchases were made " in person ''.
Consumer complaint received 2023-09-04
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. (AZ)

DEPT OF EDXXXX : # XXXX XXXXXXXX, 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 has violated my rights. 

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.

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 2024-07-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I was unaware that there was a default rate on the mortgage. My XXXX payment was paid on XX/XX/XXXX and the default rate was applied because the mortgage payment was more than 30 days late according to an addendum in the note if the payment is more than 30 days late. The rate changes from 4.99 % to 18 %. My mortgage is currently past due as of XX/XX/XXXX and I am receiving notices from attorneys for foreclosure.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've contacted the company on date ( s ) : XX/XX/year>, XX/XX/year>, XX/XX/year>. Through online dispute via XXXX XXXX, via XXXX XXXX Mail, via credit bureau sites ( XXXX, XXXX, XXXX ), Complaint made to CFPB via website. 

Company put account in cease and desist status and continued to report on consumer report.