davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX has placed a collection on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have failed to give me the opportunity to dispute the account, as stipulated in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, XXXX XXXX XXXX has engaged in false, misleading, and deceptive practices. They have furnished information to consumer reporting agencies without providing the necessary disclosures required by law, in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I am disputing any and all debts to XXXX XXXX XXXX and revoking their right to communicate with me through email, text, or calls. I am requesting the following : XXXX XXXX and XXXX : Please provide me with proof that the debt is valid and that I am the original debtor. 
XXXX XXXX : Please furnish a copy of the purchase agreement between XXXX XXXX XXXX and the original creditor. 
Licensing and Bonding : Please provide proof that XXXX XXXX XXXX is licensed and bonded to operate as a debt collection agency. 
I believe that XXXX XXXX XXXX 's actions have violated my consumer rights and I am seeking appropriate remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (IL)

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report. 
2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
XXXX. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-08-28
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Someone was able to steal my moneynetwork debit card and set up an account with a pin before I ever had the card in my physical possession. Several unauthorized transactions were made and even sent to a personal XXXX XXXX XXXX account totaling in XXXX dollars. The initial amount issued by XXXX on XX/XX/XXXX was XXXX dollars which i never received. My original dispute was for XXXX  dollars filed XX/XX/XXXX. Both of my disputes were denied, XXXX claims no errors were made. I have never had a wells XXXX account. I've only had a credit union for the past XXXX  years.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (KY)

XXXX XXXX Email : XXXX Phone : XXXX Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Request for Certificate of Lien Release Dear Sir/Madam, I am writing to request a certificate of lien release for my vehicle. Please provide a letter stating that there is no lien from Santander Consumer USA on the following vehicle : Make/Model XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX This documentation is required for my records and to ensure that all financial obligations related to this vehicle have been fulfilled. 

Please send the certificate to my email at XXXX or my mailing address at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

I am filing a complaint against XXXX XXXX and XXXX XXXX Bank regarding the closure of my account on XX/XX/year>. The account was closed after it was reported that the account was not mine, which is incorrect. I contacted XXXX to report this issue, and they informed me that my account would be reopened. However, despite this assurance from XXXX, XXXX XXXX Bank is refusing to reopen my account. 

XXXX has confirmed that the charges on the account are mine, yet they continue to keep the account closed without providing a clear or reasonable explanation. This situation is highly frustrating and doesnt make sense given the verification of the charges and XXXX XXXX to reopen the account. 

I have made several attempts to resolve this matter with XXXX and XXXX Bank, but they have refused to take action. The closure of my account is causing significant inconvenience, as I am unable to access my purchase history, rewards, and account features. 

XXXX XXXX : I am seeking the immediate reopening of my XXXX account, as I am the rightful owner and there has been no fraudulent activity. I also request a thorough explanation for the initial closure and the refusal to reopen the account despite the confirmation of my identity and the charges.
Consumer complaint received 2024-08-27
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. (AL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OneMain Finance Corporation (NY)

XXXX XXXX XXXX box XXXX XX/XX/XXXX XXXX. XXXX, XXXX box XXXX, XXXX, TX XXXX. RE : One Main Account To whom this may concern, this is my second attempt to resolve a matter regarding the above account, The above alleged creditor failed to verify the debt therefore the IRS was informed, and the debt was discharged. I have previously sent in my XXXX which was approved by the IRS on XX/XX/XXXX. You are currently violating several FCRA violations, and United States Code Violations. 15USC 1681s-3 states the term CONSUMER REPORTS does not include transactions or experiences between the consumer and the person making the report. By publishing a balance on a charged off account is considered domestic, and international money laundering, under US code section XXXX. Lastly, you are violating my privacy under the US privacy act XXXX. Please DELETE this account within XXXX business days upon receipt of this transaction. ONE MAIN account # XXX.
Consumer complaint received 2024-08-02
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. (IN)

I have reviewed my Consumer credit report and I have noticed it states I was late that I haven't been late for the consumer report agencies has assumed a vital role have a responsibility to report consumer information to the best of their ability. Please investigate and provide proof if nothing can be provided I demand that it is updated to paid as agreed on. Date XX/XX/year>
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (MD)

So XX/XX/XXXX I recieved a letter advising of Repossession of my XXXX  XXXX XXXX XXXX XXXX vin # XXXX. I in turn on XX/XX/XXXX sent overnight a cease & desist validation request letter. I clearly outlined that any further collection activity including repossession was to be halted until the alleged debt be properly validated according to the FDCPA. On XX/XX/XXXX OneMain repossessed my vehicle totally ignored my request. In clear violation of my rights again according to the FDCPA. OneMain sent a Bill to reinstate instead of validation of debt. on XX/XX/XXXX To the response of the bill sent instead of requested information validation XX/XX/XXXX I sent letter informing OneMain my plan to file complaint to Cfpb and the Maryland Attorney General Office and I've initiated legal proceedings against OneMain. Maryland Consumer Protection Act ( MD. Code Ann., Com. Law 13-101et seq. ) The act of repossessing my vehicle without the following due process and without providing adequate validation of the debt as requested in my Cease and Desist letter constitutes an unfair and deceptive trade practice, violating my rights as a consumer under the law. And repossessing my vehicle anyway. Maryland personal information protection ( PIPA ). OneMain Financial shared my information to a third party unauthorized which constitutes a serious breach of my privacy rights under Marylands PIPA. I express that OneMain Financial has clearly violated 15 U.S. Code 1692e ( misleading representaion ) On XX/XX/XXXX recieved letter from OneMain Financial denying all violations they have committed. I count 6+ violations not to include my property inside my vehicle. The hardship at the fact they took my vehicle. My XXXX daughter is not able to attend school because her cord to charge her wheelchair and other equipment is in my vehicle towed unlawfully by third party. Ordered by OneMain Financials unfair practices.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC (AL)

XXXX Someone tried to open a credit XXXX without my permission XXXX XXXX XXXX to open a credit XXXX without my permission Global lending services Someone tried to open about XXXX loans without my permission Ally financial Someone tried to open about XXXX loans without my permission XXXX XXXX XXXX XXXX XXXX to open about XXXX loans without my permission Credit acceptance Someone tried to open about XXXX loans without my permission XXXX main 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 AUTOS 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 Capital 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 — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

1. The Website should IMMEDIATELY CEASE and DESIST from issuing my free credit report.

https : //www.annualcreditreport.com/index.action 2. My Social Security Number was recently breached and is now on the Dark Web, by no fault of my own.

A. The Website does not have my authority to issue my free credit report to anyone.

B. I have already frozen and locked my credit report with all 3 credit bureaus.

C. I already put my fraud alert on all 3 credit agency reports.

D. However, I was still able to obtain my credit report from this website : XXXX XXXX XXXX E. They have no mutli-factor authentication. Anyone with my SS, DOB, address could obtain my credit report, for free, even though I have freezes with every credit rating agency XXXX, Transunion, and XXXX. 

F. This means anyone, without my authorization, who has my SS, DOB , and address is able to obtain my credit report via this website, without my consent or authorization
Consumer complaint received 2024-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC (MO)

Amerihome mortgage overcharged my checking account. I have documentation reflecting multiple unautherized attempts to withdraw from my checking XXXX XXXX XXXX Call logs showing multiple calls to Amerihome Mortgage, disputing the issue on recorded lines. They acknowledged their error by phone on multiple occasions, but my account was never corrected. This has had an effect on my credit and has set me back as well as my co-signer for my home.I would like to proceed with an official complaint against Amerihome mortgage. Supporting documents account/call logs from t-mobile
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (NC)

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXXXXXX XXXX {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed UPGRADE INC Reported XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BOK FINANCIAL CORP (OK)

I left an employer with a XXXX at Bank of Oklahoma Financial Services. After XXXX days BOK sent me a letter of correspondence stating that if my account was less than {$1000.00} they would be sending a disbursement to me to close the account. On XX/XX/year> I checked my balance and a disbursement had been made for {$970.00}. I have never received these funds so I sent in a message asking what happened to the funds. I was told it was transferred to an XXXX  at Bank of Oklahoma Bank. I do not want to have multiple XXXX accounts all over the place and that is why I did not respond to the correspondence because it said anything less than {$1000.00} would be disbursed to the participant. I sent another message reminding them of their correspondence and to correct the error. They replied that my past employer made them put the money in an XXXX  and I know that is not correct as a former employer. This was not truthful and was a way to try and get me to do something different. I would like the money disbursed to me to put in my other XXXX and I am not paying a penalty for pulling it out of their CD early. I have been in banking for over XXXX years and this was blatant misrepresentation to what would occur.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (FL)

AARGON COLLECTION AGEN acount # XXXX XX/XX/2019 amount {$2100.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have the Chase App. On XX/XX/year> I discovered that XXXX of my Chase Freedom rewards disappeared from my account. ( XXXX twice ). I called Chase and they claim that the rewards were redeemed on XX/XX/year> and sent to my email address. Because I did not receive the rewards, Chase sent me a new credit card with a different number. I never received the lost rewards. I do not understand how XXXX points can disappear just like that with Chase just claiming they sent the redemption to my email address. I have called Chase at least 5 times and they keep transferring me over to another person in their Fraud Department. Today they told me they were escalating it AGAIN. I am not getting any concrete answer other than my email was compromised. I have had the same email address for over 20 years and no one has ever had access.
Consumer complaint received 2024-08-02
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 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.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

I signed up for a Credit Card offer from Chase. In this offer, if I refer a new customer to chase who subsequently signs up for and obtains a credit card, I will be given XXXX, XXXX miles to my Southwest Airlines account I referred XXXX XXXX XXXX for a credit card using the special link provided. This business signed up for a credit card and was given a card. Both individuals and business cards apply to this offer. 

The business signed up and was approved on XX/XX/23 ( offer end date ) and was given and used the credit card. The business is in good standing. 

I am attaching the credit card offer and the letter of denial from chase on XX/XX/23. I note that the offer says
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC (AL)

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. Concora credit 1415 destiny mastercard 2502. 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 funrnish an account with out my written consents. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following iteams of the information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX XXXX, I called Capital One to request a paper bill be mailed for my credit card ending in XXXX due to issues accessing my account online. The representative confirmed my mailing address and said the paper bill would be sent. On XX/XX/ I received an email from Capital One stating my account was in collections with a balance of {$780.00}, even though I had requested regular paper billing to avoid this situation. Capital One failed to provide the paper billing as requested, and incorrectly reported my account as delinquent.