davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: SoLo Funds Inc. (NY)

Absolutely terrible company. I deposited {$100.00} on the app to cover a loan. I paid the loan back with my debit card instead of using the XXXX in my balance. I go to withdraw the XXXX dollars from my balance which clearly shows I have XXXX in my balance then it says I must contact customer support. 7 customer support agents later and they all say a resolution continues to be worked on and I should be able to withdraw the money by the end of the day. Its two weeks later and the XXXX is still sitting in my account for no reason other than their own lazy technical error. They should be penalized for holding my money. 

My last message to them is as follows, Here we go AGAIN! I need to be able to withdraw my funds IMMEDIATELY. Im tired of this issue. Youre my 7th rep now. I am able to get a loan but I cant withdraw the loan or my own money that Ive deposited and Im getting tired of it. I have XXXX kids and at least need to be able to withdraw the XXXX Ive deposited. Ive had 2 reps tell me they are going to get to the bottom of it but its been more than 24 hours. I have had the app reset, the plaid reset, uninstalled and reinstalled, etc. this is a horrible experience. I just want you to finally fix this for me please. Reporting to the proper authorities if my money isnt in my account by the end of the day EST. The last agent I talked to said this would be handled by the end of the business day, which was a Friday. I built the urgency around the fact that this is a holiday weekend and that I would not be able to access the funds until the following Tuesday if the issue was not fixed. My family lives on a tight budget and this company failed me.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

I have XXXX unauthorized charges on my debit card from fanatics sportsbook XXXX XXXX XXXX. And I called my bank Citibank to report the charges and they said from there investigation that I was responsible for the charges even though I didnt authorize them or approve them or anything. Citibank didnt even give me a text message or email to confirm the charges before they were allowed to be made. 

- {$170.00} - {$330.00} - {$500.00} dollars- {$1500.00} dollars Those were the amounts of the charges they were made on XX/XX/year> I made the dispute on XX/XX/year>
Consumer complaint received 2024-10-11
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: Resurgent Capital Services L.P. (IL)

I am writing to formally express my concern regarding the inaccuracies on my credit report, which I have disputed multiple times without resolution. Despite my repeated efforts to bring these erroneous accounts to your attention, they continue to remain uncorrected, causing significant harm to my credit profile. 

These inaccuracies are not only negatively impacting my creditworthiness but are also hindering my ability to maintain a normal financial life. As a result, I have experienced immense hardships, including [ briefly mention how this has affected you, if applicable, e.g., being denied loans, housing difficulties, etc. ]. 

I respectfully request that you conduct a thorough investigation into the reporting of each of these disputed accounts and take the necessary corrective actions without further delay. It is imperative that my credit report is updated to reflect accurate information to restore the integrity of my financial standing. 

Your prompt cooperation in resolving this issue is crucial, and I sincerely appreciate your immediate attention to this matter. Please acknowledge receipt of this letter and confirm that steps are being taken to investigate and resolve the disputed accounts. 

Thank you in advance for your understanding and support.
Consumer complaint received 2024-09-20
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. (FL)

XXXX XX/XX/XXXX FLORIDA XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX FLAGSHIP CREDIT ACCEPT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX HELP F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX REGIONALAC. XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OD XXXX. XX/XX/XXXX EQUITYAUTO. XXXX CAP XXXX XX/XX/XXXX ALLYFINANC. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX AN # XXXX. XXXX FLAGSHIPCR. XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XXXX XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRIANGLEAU. XX/XX/XXXX TRIANGLEAU XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MI)

On XX/XX/year>, I bought a number of electronics from XXXX XXXX XXXX XXXX in XXXX XXXX, Michigan. The products were returned XX/XX/year> and XX/XX/year>. The amounts were : {$120.00} {$84.00} {$50.00} {$50.00} {$49.00} {$42.00} {$31.00} {$31.00} {$31.00} {$30.00} {$29.00} {$26.00} The products were returned due to being not as described ( defective ). Due to the use of third party payment software, the company could not provide a return on the spot and requested I dispute the transactions with my bank, which I did. 

On XX/XX/year>, my bank, Current, informed me they had contacted the merchant and confirmed that no error occurred and that they would not be providing a refund. So, I went to the store and spoke with the owner, who informed me that Current never attempted to contact him and provided me a sworn affidavit stating that I returned the products and that he authorized the return of my funds. He also provided a sworn affidavit that Current never attempted to contact him and that he never confirmed any information to them regarding these transactions.
Consumer complaint received 2024-10-09
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: Bread Financial Holdings, Inc. (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CCB/OVERST, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX identity theft and consumer protection laws. 

It has unequivocally come to my attention that CCB/OVERST has XXXX in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for CCB/OVERST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CCB/OVERST immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant XXXX theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

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

Done in good faith.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MA)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-10-09
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: Bread Financial Holdings, Inc. (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CCB/ULTA, XXXX am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX identity theft and consumer protection laws. 

It has unequivocally come to my attention that CCB/ULTA has XXXX in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft XXXX ( XXXX XXXX Cons. XXXX. XXXX ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for CCB/ULTA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CCB/ULTA immediately XXXX any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant XXXX theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CCB/ULTA will XXXX rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

An auto loan that was for business is being reported on my personal credit report. The business closed and filed bankruptcy in XXXX XXXX. The court ordered the return of the vehicle by the business to XXXX in XXXX XXXX. Ally was notified that the business was voluntarily surrendering the vehicle and that they could get the vehicle anytime they wanted by the business also in XXXX of XXXX as per the court 's directions. The business bankruptcy was in the Tennessee XXXX Bankruptcy Court and the case number is XXXX. It was filed XX/XX/XXXX, the meeting of creditors was held on XX/XX/XXXX and the case was finalized on XX/XX/XXXX. The attorney that represented the business for the bankruptcy was XXXX and XXXX located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This is currently being reported on my personal credit even though my name is not on the vehicle or any of the paperwork from the dealership for the purchase and financing of this vehicle. My name should have never been affiliated with this loan. This should be removed from my credit report at all credit reporting agencies. I am attaching the installment agreement and the purchase contract from the dealer that the vehicle was purchased from and financed through showing that my name is not on this and that it is only in the business name.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

A wire was sent to a non existing account at XXXXXXXX XXXX  for {$6300.00} on XX/XX/2024. I have attempted to have Chase Bank resolve this issue over the last 3 months. I have filed XXXX complaints. 2 with XXXX and now my second with Chase. This issue is still not resolved. They informed me that they made over 5 attempts to contact XXXX XXXX I filed a complaint with XXXX and was told that Chase Bank never contacted XXXX regarding this wire. The money never went into an account so it is sitting there and I need it recalled so it can be put back into my account. XXXX ID is XXXXXXXX XXXX ID XXXX
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

The response to my complaint was that I was able to login but the company did not address the fact that my voice print could not be identified so they would not allow me to call and inform them of the fraud and I could only do this in person at a branch. I logged in to try and report my card stolen but the app would not accept the stolen report and kept instructing me to visit a branch in person and this was not possible as I was out of the country and not near any branches. My cellphone was stolen and compromised and I had no access to it and was unable to send any responses until it was replaced. I would like my money back as I did not authorize any charges on the card by logging in as I was unable to report the card stolen in the app or over the phone and could only do this at a branch.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/year> I filed a complaint with the CFPB against XXXX, XXXX and XXXX, due to fraudulent accounts listed on my consumer report. I was notified that the accounts in question were verified as accurate by the alleged creditor, however nothing I requested disputing these alleged accounts was returned to me. I requested that validation and proof of claim of the disputed debt was requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I specifically stated that this is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I have yet to receive such request and the information has not been blocked from my report and is still fraudulently reporting, damaging my reputation greatly. Amid submitting this complaint, I also submitted a copy of my FTC report as well. Delete these fraudulent accounts.
Consumer complaint received 2024-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

I am making this complaint in regards to newrez loan services. I recently switched insurance companies, made a payment for the new policy, of which I informed newrez of. They went ahead and paid that company again, on top of that, they knowingly paid the insurance premium of the policy I canceled a month before it was set to renew causing my escrow to drop into a negative status. Now they're doing an escrow review before I've received the refunds from these companies in an attempt to raise my mortage payment. I requested they wait on the escrow review until I receive the refunds and was told they have no control over the escrow department. The incompetence of this company is overwhelming as no one seems to have any idea as to what another department is doing.
Consumer complaint received 2024-10-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (NM)

I enrolled in a debt relief program on XX/XX/XXXX and advised Regional Finance of XXXX XXXX XXXX XXXX XXXX XXXX of this change and instructed them to contact XXXX XXXX XXXX XXXX XXXXXXXX and speak with them as they have power of attorney on my behalf. Regional Finance calls me at least twice per day, XXXX, and leaves messages. On the occasions I do talk to them, they are told the same thing and instructed by me to stop calling. They will call back later that day or the next day. They tell me my credit will be destroyed, they don't work with debt consolidation, nobody answers the phone at the number provided, nobody from accredited returns their calls. They have called me at least once per day since XX/XX/XXXX. I told them on XX/XX/XXXX to contact XXXX. On XX/XX/XXXX they called me again and acted as if it was the first time they ever called. I told them to check the notes and they said they won't work with them and to deal with them now or my credit will be destroyed beyond repair.
Consumer complaint received 2024-10-08
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: LEXISNEXIS (TX)

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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX