davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX points, Equifax XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, XXXX and Equifax refuse to explain, verify or rectify despite repeated calls and letters.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, digital, and telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (GA)

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX are in violation of the Fair Debt Collection Practices Act and are attempting to collect on a fraudulent debt that is not my debt. I did not consent to them having and sharing any of my personal information and I did not consent to them trying to sue me. 15 U.S.C. 1692i. They are trying to coerce me into paying this fraudulent debt.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (CA)

I have a credit balance on my account of {$15.00}, I asked your Customer Service on the message section to send me a check of that amount, theyre asking me to go to the branch with my identification, may I know what is the reason for that?
Consumer complaint received 2024-09-30
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)

This morning, unauthorized inquiries suddenly appeared on my credit report, and I don't know why. I usually check my report regularly, but this time there were unexpected discrepancies. I refreshed the page thinking it might be a glitch, but nothing changed. I am extremely frustrated and request that my documents be reviewed thoroughly to ensure this is permanently fixed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

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. 

LVNV Funding LLC 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 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 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 2024-09-30
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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

This letter is written verification that Im a victim of identity fraud. The person I believe who is committing the fraudulent activity is my ex spouse. He admitted to the police that he made these charges and the case is pending at the prosecutor 's office. You can contact them or the detective to investigate this. I have received multiple letters stating I had an outstanding balance with purchases I have never made. I spoke to the companies sending me the letters and the address they most recently had on file is XXXX XXXX XXXX, MO XXXX. That at the time was my ex spouse address. I have never resided at that address. At this time when the delinquent accounts were being sent to me in mail, I wanted to create a XXXX XXXX account. I couldnt because my social security number was set under an email that was his email. I had to reach out to XXXX XXXX to release that account and it was fraudulent. When I created my account his address XXXX XXXX XXXX, MO XXXX was reported on my credit report and as I stated above, I have never lived in that house. Some of the transactions on the accounts were happening in XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Again, I have never used these cards, opened this cards, given permission to any one to open these cards or had them in my possession. Provide me a copy of the credit application and payment history ( ie checks, bank account info, etc ) if you think this belongs to me.
Consumer complaint received 2024-09-30
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. (NY)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BMO Bank, N.A. (OH)

Entered into a loan with a different lender. Without proper notice or disclosure that credit and personal info was being released to this lender and sold, this is a violation of my privacy and a violation of original contract by original lender. B.M.O has hung up the phone disregarded my rights as a consumer. B.M.O. has refused to furnish any contract with my mark on the authorized representative line showing that I agreed to do commerce with this commercial entity. The original contract was paid in full or satisfied at the time original lender breeched purchase order and privacy agreement in the commercial transition between Bank of the West and B.M.O. All this was done without my knowledge or consent and without written permission from authorized representative known as XXXX XXXX. B.M.O. is holding and not processing payment instruments issued to original lender, from invoices from original lender that had my mark on authorized representative line in original purchase order consumer credit transaction and billing me without contract in the same month. There are late payments on my credit without written consent this is a violation of my rights.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I went to the Wells Fargo branch on XXXX XXXX XXXX in XXXX, GA on XX/XX/year>, to deposit a cashier 's check from another institution. The check was for {$20000.00}, and I wanted to make sure there wouldn't be a hold on the funds. The branch manager confirmed that there wouldn't be a hold, so she deposited the check and assured me that the full amount would be available by midnight on XX/XX/year>. However, when I checked the next morning, only a portion of the funds was available. When I called Wells Fargo, they said the remaining balance would be available on XX/XX/year>. I was not happy with this and felt that Wells Fargo had not been transparent with me. I expressed my dissatisfaction to a representative and explained that I could have taken my deposit elsewhere if I had known about the hold.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK (CA)

I have received notification from my credit card company that my SSN has been found on the dark web and it has been misused. Thus it is urgent to investigate where my identity has been misused. There is an identity theft. The hackers have been chasing my private information and misusing it on dark web. Dark Web must be closed so they can't hack bank accounts, personal information, credit cards and health information. This is urgent.
Consumer complaint received 2024-08-28
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. (AL)

XXXX Someone tried to open a credit XXXX without my permission Bestbuy Someone tried to open a credit XXXX without my permission XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXXXXXX XXXX I have more then XXXX inquiry from them XXXX XXXX XXXX XXXX tried to open about XXXX loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXX XXXX  lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX  XXXX auto finance which is also my bank did the same thing mislead information to me
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX Portfolio RC account number XXXX has violated my rights. XXXX XXXX XXXX section XXXX A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On or around XX/XX/year> I wasnt able to find my citi master card ending ( XXXX ). I reported my card lost stolen with many unauthorized charges in the amount of {$1000.00}. I was admitted in the XXXX XXXX XXXX XXXX XXXX, TX and then transferred to XXXX XXXX  when those unauthorized transactions happen. 

Still waiting to resolve this issue. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and can not going back n forth with citi credit card. Please assist resolving this issue. 

I can provide my XXXX XXXX summary and XXXX XXXX  papers.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associate without my consent, fraudulently opened an account in my and reported it to credit reporting agencies as it now shows up on my credit report as an account/dept to Portfolio Recovery Associates LLC XXXX
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

I opened an Account with Wells Fargo XX/XX/year> I was highly discriminated by Wells Fargo offered a credit card for {$700.00} and due to my disinterest in the service provided by Wells Fargo they in turn shut my account down charging me fees. Wells Fargo impeded me from starting my business My address has changed since then so I cant receive communication from them I have the screenshot
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (SC)

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION (GA)

On XX/XX/2024 I filed a quit claim deed to revoke power of attorney from XXXX XXXX XXXX XXXX  but they refuse to drop the auction even tho they don't have any power of attorney over my property..
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX Pl XXXX, SC XXXX Subject : Dispute of Debt and Request for Validation XXXX Dear XXXX Funding, I am writing to formally dispute the debt referenced in your communication dated XX/XX/year> I do not recognize this debt, and I believe there is an error. 

It has come to my attention that the debt in question was sold or transferred to your organization. However, I have not entered into any contractual agreement with XXXX FUNDING, or its affiliates regarding this debt. As such, I do not believe I am legally obligated to pay this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. Please provide the following information within 30 days : 1. **Proof of Ownership** : Documentation showing that you legally own the debt, including any assignment or transfer agreements.

2. **Original Agreement** : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

3. **Itemized Statement** : A detailed account of the debt, including the original amount, interest, fees, and any payments made. 

Furthermore, I request that all collection activities cease until this matter is resolved and the debt is properly validated. This includes reporting to credit bureaus, as well as phone calls and letters. 

Please be advised that if you can not provide the requested documentation, I expect the debt to be considered null and void. Any continued attempts to collect this debt without proper validation will be viewed as a violation of my rights under the FDCPA. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

My loan provider at the time, Navient, assured me that it would help me find the best repayment options for my loans and promised that they would get me on a plan that could reduce my payments to as low as {$0.00} per month and help to forgive of any remaining balance after 20-25 years of qualifying payments. They defrauded me! 

When my loan was sold, I called my current provider XXXX and they told me that Navient tried calling me several times during the time period that I was 'supposed ' to be late, however, I did not answer those calls, thinking that they were spam calls because Navient had already told me that my loans were in good status and that I didn't have to worry about anything else moving forward. 

Navient has already been sued for widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"