davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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: EQUIFAX, INC. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2024-10-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MO)

I received a letter from Macy 's stating that if I didn't use my credit card they would lower my credit limit by a specified date due to inactivity. This is clear attempt to force the card holder to patronize Macy 's or incur the negative consequences of having their credit limit reduced.

The letter states " Your account may be closed or have the credit limit reduced for various reasons without prior notice. Please refer to credit card agreements for details ''. While the agreement does allow for the card to be closed for no reason, it does not specifically address changes in credit limit. The only portion of the agreement that could possibly be read to address this issue is : " Changing Benefits. Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. '' A credit limit is not a " benefit '' bur rather a contractual term of the card. In this case, the credit limit is addressed in another portion of the agreement and that portion does not state that the limit may be reduced for inactivity.

Macy 's is using its credit card as a backdoor means to pressure consumers in an effort to increase business prior to the holiday season during a period when it is experiencing financial difficulty.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (KS)

Williams and Fudge calls between 2-10 times per day. They tell me they are taking legal action against me. The tone of the calls feels very threatening. Also this is a debt I am not aware of and do not have any knowledge of incurring. I have blocked them several times and they keep changing their number and calling.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AL)

There is a hard and XXXX on my credit report for an account that is not open with Citibank. There is a hard inquiry on my credit report for Citibank credit card that I do not have. And they do not have permission to run I want it removed please
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp (CO)

I was first contacted by Property Receivables on XX/XX/year>. The man who called had an accent and was difficult to understand, but he asked about an apartment complex I lived in several months ago. This apartment complex claimed I owed fees for gas and electric and they paid the energy company in my name, but I called the energy company and they told me the billing for this time period had been in error and I did not owe any debt to them. Additionally, the energy company told me that gas was not furnished to my address. Despite this information, the apartment complex refused to modify the bill or return my security deposit. I told the man from Property Receivables I disputed the debt and to not contact me via phone again. When I told him this, he laughed. 

I contacted Property Receivables again on XX/XX/year>, asking for an email address so I could communicate with them in writing. I emailed them on XX/XX/year>, telling them I disputed the debt and asked for a validation letter. I also asked for them to communicate with me only in writing, and not via phone. I received confirmation the same day that the email had been received. 

Nevertheless, I received calls from Property Receivables on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. They used a variety of different numbers to call, which felt extremely deceptive. Some were XXXX numbers, and others looked like regular phone numbers. These calls were during the work day and very disruptive. 

9 days after my initial request ( XX/XX/year> ) that they provided me with documentation of the debt via email. It was the same bill that I disputed with the original apartment complex, because I do not owe them anything for energy to that apartment. It is my understanding that under 1006.34 ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section ... within five days of that initial communication. 

The same day, XX/XX/year>, I sent a cease and desist letter and on the basis of their failure to furnish me a validation letter during the statutorily required time period. I sent this letter via certified mail and over email. They confirmed receipt via email, and claimed the statutory period is 30 days, but failed to cite any legal authority for their position.
Consumer complaint received 2024-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (TX)

In XX/XX/XXXX, in response to a letter from Harris and Harris saying that I owed a past-due tax balance to the XXXXXXXX XXXX XXXX  from XXXX, I went to the website provided in the letter and filled out the form asking for verification of the validity of the debt being collected. I also informed Harris and Harris that I was disputing it on the basis of expiration of the Statute of Limitations, even if the debt was shown to be valid, because the code of the XXXX XXXX XXXX stipulates a seven year Statute of Limitations on collections of tax debt, and the alleged tax owed was from thirteen years prior. On XX/XX/XXXX, a garnishment/lien was activated on my bank accounts, collecting over {$1300.00} from both mine and my daughter 's accounts with no notice whatsoever. When I checked with the bank, they gave me the number for Harris and Harris and said that was where the lien originated. So I contacted Harris and Harris and asked why they were proceeding with collections when I had requested validity and had disputed the debt and they have not responded. They checked and said that they could see my submission requesting validity and that it was still being reviewed. They told me that I would have to speak to the legal department who could remove the garnishment since the validation request was still under review. So I called the legal department. The person in the legal department was very rude to me and told me that even though I had disputed it, that the debt was still valid until proven otherwise and that they could continue to collect. When I informed her that the law said the exact opposite, she told me to take it up with the XXXXXXXX XXXX XXXX  and hung up on me. I know my rights in this case, and I know that they were not permitted to place this garnishment until they responded to my request and gave me the opportunity to settle the debt with them, if it was valid. This garnishment has not only provided a hardship for me financially, but the rudeness of the person ( who only identified herself as " XXXX '' ) in the legal department at Harris and Harris and her insistence that they had a right to collect while reviewing my request was a violation of the Fair Credit Collections Act. It is especially egregious that they have taken over three months to review my request, and use that as an excuse to pursue collections in this manner.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I am a XXXX XXXX survivor these accounts listed aren't mine please help me rectify this. 

I have no knowledge or connections with any account listed. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 XXXXXXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
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: FULTON FINANCIAL CORPORATION (MD)

XX/XX/year> Fulton Bank told me that I was 30 days past due in XXXX after I tried to get a home equity loan. I was confused since I had been making all my payments within the month so I would not be marked as 30 days past due. 

As soon as I discovered that my XXXX payment electronically did not go in, and my XXXX payment went to the oustanding XXXX balance, I paid both XXXX and XXXX on the same day, so I made XXXX mortgage payments on XX/XX/XXXX. 

Fulton bank continues to mark my credit stating I was late on XX/XX/year>, which I was not. I have provided with other disputes the documents to prove I was not 30 days past due in XXXX. 

I have filed XXXX disputes, and nothing has been corrected. I just filed another one, with another credit agency. I have contacted the bank as well, but the credit report has not been corrected.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIME VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my permission or authorization used my personal info to apply for goods, services or money and was successful in creating some accounts. All is currently being investigated by the FTC
Consumer complaint received 2024-10-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an AMEX gift card that is worth {$100.00} from my employer and last week ( week of XX/XX/XXXX ), I tried to use it at the gas station, XXXX, and other retail stores in person but it didn't go through. I've tried researching online on how to use it and the general advice is that AMEX gift cards are basically unusable everywhere except a few in person and online stores. I don't want to have to go through a lot of steps to be able to use the value of the card. I would like to just convert this card to cash instead of guessing where it's going to be accepted.
Consumer complaint received 2024-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (TN)

Foreclosure sale is set for my house XXXX XXXX, 2024. I sent Wells Fargo request for mortgage assistance with my financials. I have been unemployed, and work is currently slow. I do not want to lose my home to foreclosure. I did not receive a foreclosure letter from foreclosure attorney or Wells Fargo. I was told by a person that knocked on my door my house was in foreclosure.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (NY)

I had Got a car from the dealer ship long story short there was a lawsuit and the company was to issue me the title and forgive the loan instead after they lost the lawsuit they came and took my car told me to bad thag they are done with the lawsuit and that a payment was issued to me and that if i cashed The check that's was my restitution and i did Not revive no check they then issued me another check that k do have now and refuse to cash as that is not what i want I want My car back and the value of my car was XXXX they have it as i defaulted In the loan and it's in my credit but they need to give me the car back and fix this as they lost the lawsuit and i wuolifted qualified for loan forgiveness and got the notice from there attorney and stayed i woukd be sent the title and rest of the paperwork stating the loan forgiveness and then never got the letter or the title then later they take the car from me and i had All my things inside the car they would not tell me where the car was and it make this right now they hang up everytime i teybto Call and act as if they can't hear me. Iv called using different phone and same thing
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

I reviewed my contract and found several inaccuracies and discrepancies within it. I was charged a XXXX downpayment on a CREDIT contract. The finance charge is the sum of all charges. Interest, deliver service fees, loan fees, premium insurance to cover any defaults, broker fees, insurance for the vehicle and insurance to cover health, life, accident, and gap insurance, are all included in finance charge. The finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a down payment of cash involved. Fact, pursuant to 12 CFR 1026.23 ( b ) ( 1 ), I was never given full disclosure, notice of the right to rescind. These discrepancies are grounds for a breach of my contract. They violated my right as a consumer and I am requesting that they rectify this matter immediately.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Resurgent Capital Services L.P. (CA)

My name is XXXX XXXX, I filed an arbitration against LVNV., however, I have received a notice from the XXXX XXXX XXXX XXXX informing me that LVNV didnt pay the fees to continue with the arbitration process. This means they are in breach of contract with me. I am requesting the Consumer Financial Protection Bureau launch an action against LVNV. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: National Auto Lenders, Inc. (FL)

I am writing to formally dispute the reporting of a voluntary repossession on my credit report associated with account number [ Account Number ]. I believe this entry is inaccurate and should be removed urgently, as it does not meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute any information they believe is incorrect. I previously requested a method of verification from the reporting agency but did not receive any response. The lack of adequate verification further supports my assertion that this account is inaccurately reported. 

Specifically, Section 609 ( a ) ( 1 ) of the FCRA grants consumers the right to request the deletion of information that can not be verified as accurate. Given that the creditor has failed to provide the necessary verification, I am formally requesting the removal of this account from my credit report. I kindly urge the CFPB to intervene in this matter and ensur
e that my credit report is amended to reflect accurate and verified information. The presence of this erroneous account is causing undue harm to my creditworthiness, and I believe that swift action is necessary.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

On XX/XX/XXXX, a CFPB Complaint was sent to XXXX XXXX XXXX XXXX XXXX ( XXXX  ), requesting information regarding a XXXX Home Mortgage Loan Originated to XXXX XXXX XXXX and XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX. The initial Response sent to the CFPB Consumer Complaint Department by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX was that Complaint Number XXXX was not for XXXX. CFPB returned the Complaint to XXXX and requested more information. XXXX then sent CFPB to verify that the specified Complaint was, in fact, sent to the correct company, and they then resent it back to XXXX. The second time that XXXX received CFPB Complaint Number XXXX, they acknowledged that the said CFPB Complaint was routed correctly to XXXX complaint, but that it was a duplicate of a CFPB Complaint Number XXXX that they had received the previous year in XXXX and because it was a duplicate complaint they did not have to respond to it. This was a false response sent from XXXX to CFPB for the two following reasons : 1. Complaint Number XXXX was sent to Select Portfolio Servicing, Inc. by CFPB on XX/XX/XXXX. It contained a multiple-page narrative delineating details and dates that were never included in any other CFPB Complaint.

2. The Consumer Financial Protection Bureau ( CFPB ) includes various data security and data privacy features that ensure that the confidentiality of the American Consumer is protected at all times.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX account number : XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Please see UPDATED Identity Theft Report Filed with the FTC along with the Police Report, Evidence Received by XXXX XXXX Police Department and FBI XXXX XXXX stating that I am a victim of financial fraud in a federal division.
Consumer complaint received 2024-10-24
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)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX