davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

Please see below requested for dispute with National Credit Systems- XXXX XXXX XXXX Report XXXX XXXX. Below you will find pictures of the state the townhome at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was left in upon end of lease. I have also provided the first inspection where we state that the townhome has obvious water damage prior to us moving in as well as the cabinets. These are all claims in the collections from XXXX XXXX claiming it happened during our tenancy, which is false. Also a yearly inspection was performed by XXXX XXXX the realtor who handled all business for XXXX XXXX. Every year the lease was renewed based on her inspections. XXXX XXXX nor XXXX XXXX showed up to the final walk through. They stated various times that our deposit was being returned and it had been mailed which was false. They kept our deposit of {$1300.00} for falsely claimed damages and reported collections for {$8000.00} more. This is not he first time these individuals have tried to commit this fraud attached you will find a review from another tenant stating this. I have tried to reach them as well as National Credit Systems to provide picture and receipt proof of these claimed damages which they have failed to provide in the last year. I demand this collections be removed from my account as no verification of the validity of these claims have been provided by XXXX XXXX, XXXX XXXX, National Credit Systems or XXXX. I demand to receive via mail or email photographic proof and receipts of the damages claimed to the property
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

I reported that i had lost my wallet at a basketball game a few years as of recently ive been receiving calls about a debt for around {$1500.00} from a midland credit company i have no idea what this company is and what this debt it
Consumer complaint received 2024-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (CA)

I am writing to formally lodge a complaint against Shellpoint Mortgage Servicing regarding my Home Equity Line of Credit ( HELOC ) account. Despite fully paying off the loan and multiple requests to close the account, Shellpoint Mortgage Servicing has failed to do so and has withdrawn unauthorized funds from my account. I am seeking your assistance in resolving this matter promptly. 

Here are the key details of the situation : On XX/XX/year>, my escrow company faxed Shellpoint Mortgage Servicing a letter requesting a payoff letter, asking for my HELOC account to be frozen, and requesting the account to be closed upon payment. I was in the process of selling my home and needed to payoff the HELOC. 

On XX/XX/year>, my escrow company wired the full payoff amount of {$140000.00} to Shellpoint Mortgage Servicing, which settled the outstanding balance of my HELOC account in full. 

On XX/XX/year>, I contacted Shellpoint 's customer service to address an issue, as my account still reflected a balance of {$0.00}. The customer service representative assured me that my account would be closed and my auto-pay settings would be canceled. 

On XX/XX/year>, despite my account being fully paid off, my checking account was debited {$1400.00} from my HELOC account in error. This was an unauthorized transaction. 

On XX/XX/year>, I sent a second fax and email, requesting again that my account be closed and that the incorrect payment of {$1400.00} be refunded. I was told that my request would be escalated and that the account would be closed, and the funds returned by XX/XX/year>. 

I followed up on XX/XX/year>, and was assured that my account would be closed, with priority handling. I was informed that this could take XXXX hours. 

On XX/XX/year> and XX/XX/year> I contacted Shellpoint again, but as of today, my HELOC account remains open, and no refund of the overpaid funds has been processed. 

Given the repeated assurances from Shellpoint Mortgage Servicing and the lack of action to close my account and refund the overpaid amount, I am deeply concerned about their handling of my case.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITICARDS CBNA XXXX and XXXX.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX XXXX a XXXX friend deposited {$700.00} to partially repay sa loan I made to him, That same day Capital one froze my account arguing that the fraud department flagged my account. I need the funds in my account to pay my rent and my expenses.. i will be evicted if I dont pay muy rent by XX/XX/XXXX, all because the computer of this bank flagged me. They have no evidence iof any fraud. I will be charged late fees, my phone service disconnected if I dont get access to my account.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Skrill USA, Inc. (CO)

My account got restricted for no fault of my own. I had money in my account to make a purchase and Skrill declined it XXXX times. When I asked them why not only did thier chat bot say I had to only wait XXXX hours, but the next day I phoned a representative and they said by the end of that day. All my messages that I keep sending are saying resolved but nothing has been said other than lies. Skrill is stealing my money and placing holds on a fully verified account. This is theft and unfortunately wrong by all accounts. I want my funds out of my account so it can be closed! All skrilla online reviews say they are scam artist and thieves which is very true. This company needs shut down!
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is my last complaint for the following account XXXX with Portfolio Recovery as they are intentionally damaging my credit rating, credit standing, and credit capacity by reporting the alleged debt to consumer reports. As an unsophisticated consumer that does not know all of my rights, before I proceed with legal action and handing this case to an attorney, I would like to point out that in the FDCPA, specifically section 809 ( c ), as a consumer, failure to dispute a debt CAN NOT be construed as admission of liability. With that being said, I have no recollection of ever receiving a proper notice about this alleged debt. I requested them to provide proof via certified green return card/ shipping number and they did not provide that. I requested a copy of the purchase agreement that shows I have legal obligation to them but they also did not provide it. This is causing me emotional distress as I have been struggling to sleep and it is hurting my ability to obtain credit. I can not purchase a vehicle for work due to the damage they are causing to my credit. They are not permitted by law or given consent by me to furnish this information on my consumer reports nor have they shown me any evidence of their permission. I have demanded that they ceased reporting and they have refused to do so without providing any type evidence of what they are doing or attempting to do is in lawful capacity. At this point, they are harassing me and abusing me while providing me with false and misleading representation of the legal status of this debt. Lastly, PRA claims that they are complying with the Fair Credit Reporting Act, I do not believe they are as in section 623, a furnisher can not furnish information if they have reasonable cause to believe it is inaccurate, incomplete, or unverifiable. I was not able to verify this debt with PRA as I was not given any of the requested information therefore this information must be removed pursuant to subsection ( b ). I am demanding they immediately remove this account from my reports.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (AZ)

this law group has been calling repeatedly for the last year.I have a debt collection that is now about 5rs old.They continue to call at leased twice a week starting one moth ago.I contacted the XXXX that reported that this agency would not reply to their request.I am a XXXXXXXX XXXX XXXX XXXX on a set income.Letters from them said they would garnish my income. I need help!
Consumer complaint received 2024-09-23
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: Grow Credit Inc (NV)

Grow credit is violating fcra and consumers rights. 
This account was closed in good standing prior to any charges that they are claiming. It's closed. Has been. If they have an account when they claim late payments occurred, it's fraudulent. They won't investigate that because I had a previous legitimate account. When I prove them wrong they change dates and re-report. They need to be looked at if it's for a subscription that I didn't order etc. All legitimate charges ever made on this account were paid on time and in full.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (GA)

The underlying company Synovus First Digital currently appears on my XXXX, XXXX, and XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX, XXXX, and XXXX has forwarded theft documents receive from me to Synovus First Digital early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with Synovus First Digital. As Synovus First Digital have violated federal law, by not providing the credit bureau XXXX, XXXX, and XXXX XXXX reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MO)

I never gave any written consent to furnace my information to no company. And for all the charge- offs I'd your charged something off there can't be a balance and theses things are in accurate and I want them all removed and send me the steps to correct this
Consumer complaint received 2024-09-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I purchased three visa gift cards on XXXX XXXXXXXX XXXX  but the visa gift card was unable to use in multiple stores. When I called the number on the back of the card, I was told that the card was locked to prevent fraud, and the representative opened a case ( case number XXXX ) ; I needed to provide documents to prove my identity and purchase to move forward. On XXXX XXXXXXXX XXXX, I followed the instructions and emailed the required attached document ( original receipts, utility bill for address verification, my government issued photo ID, and front and back of the card ) in color to XXXX, and include the case number in the subject line of the email. But after over XXXX business days, I called on XXXX XXXXXXXX XXXX to follow up the progress, the representative said the case status was still in progress, so the case was escalated, and there would be a follow up within XXXX business days. However, I did not receive any information after that.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NY)

To whom it may concern ; I am writing to request that you freeze my account and not allow access unless specifically authorized by me. Additionally I would like to opt out of presented credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit. Thank you
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDFIRST BANK (TX)

This is my formal complaint to MIDLAND MTG. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Was checking my credit score and saw that there is a TARGET balance for {$200.00}. I have never had a TARGET credit or account. I called TARGET credit card department to verify if there was a open or closed account. There was account under my social security.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Chase has kep my {$5000.00} on hold even though my other bank is approved and Linked to Chase. I completed the transfer on XX/XX/XXXX and never got my funds. I tried calling and they wouldn't help.
Consumer complaint received 2024-07-25
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: CITIBANK, N.A. (CA)

I have contacted XXXX, XXXX, and XXXX about numerous inquiries made using my social security number that were not made by me. I requested that these inquiries be removed and that my credit be frozen. I have also reported this information to the companies and informed them that they need to verify the identity of the person using my information, as that person had a fake ID pretending to be me. Additionally, I have filed a report with the FTC and have a reference number XXXX. However, nothing has been done about the credit inquiries, and the companies have not responded at all.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (PA)

I have a XXXX XXXX credit card that I purchased an engagement ring and wedding ring on in the last 15 months. I paid off the former via promotional purchase with XXXX % interest, and now its showing a balance twice what it should on the account $ XXXX instead of the $ XXXX that I purchased the wedding ring for. Their website would not allow me to see my statements. They dont answer the phone EVER on attempts to call them. They also now switched the logging page for my account and I no longer have access to my account. Im afraid there is a double charge or fraud, and no one will respond to me from their company. They are completely incompetent when you do get someone on the phone and refused to give me to a manager.
Consumer complaint received 2024-07-25
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: Shellpoint Partners, LLC (TX)

NewRez sent my homeowner insurance payment to the incorrect address and now my insurer is telling me that my policy is about to lapse. NewRez is now telling me that it will take 45 days to stop payment on the check and issue another, unfortunately my insurance company does not allow for a XXXX day grace period. The payment was sent via US Mail the day before it was due, which allowed very little time for transit and processing. 

Contacting NewRez is extremely time consuming. It seems they are understaffed. I have requested to use their automatic call back option, but the calls are not returned. I end up having to call back again. 

This is not the first time that NewRez has messed up my account. A few months back I sent in an extra {$20000.00} payment and clearly marked it as applying to the principal. NewRez placed it in my escrow account. I did not find out until the next billing cycle. I had to contact NewRez to correct the error.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

There are several addresses on my credit report XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX amazing XXXX XXXX XXXX, Fl XXXX, XXXX bank XXXX {$900.00}, XXXX  XXXX {$780.00}, XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX {$900.00}, this is information is not mine and I want them off of my credit. i never applied for any of these cards and i never lived at any of these addresses.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (WV)

I have contacted Equifax XXXX for the past few weeks and I have provided them with FTC reports, letters and provided my identity as they requested and They will not remove these inquiries. I need these removed ASAP! I did not authorize ANY of these! 

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 2024-10-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

I tried to get information about this account once they started calling me saying I owed {$1300.00}. At first they said the account was under the name XXXX XXXX. Well that's not my name. Then they said, well your name is listed as an authorized user. I didn't believe that but even if it was, does that make me legally responsible for the debt? So I disputed the account with the credit agencies and they came back and all of the sudden XXXXXXXX XXXX name was off the account and only my name was on there. How did XXXX XXXX  Name show up as one of my aliases on my credit report? I had to challenge that and have that removed. They say this account was opened on XXXX of XXXX and went into collections in XXXX of XXXX. That's might quickly. If it's for a cell phone, I'd have a new cell phone that came out in XXXX. Then why is my cellphone the XXXX version that I'm just trying to upgrade now, but can't because I've got credit issues due to false claims like these?
Consumer complaint received 2016-02-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Professional Bureau, Inc. (TX)

My credit report contain medical bills that 's is not mine did n't see a XXXX doctor i have n't had any XXXX trouble.there 's is also XXXX doctor i have n't had an XXXX since 2003
Consumer complaint received 2024-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NC)

In accordance with fair credit reporting act. XXXX XXXXXXXX XXXX account number 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 605 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.