davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Solar Mosaic LLC (MA)

Dear XXXX XXXX XXXX Mosaic I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX LVNVFUNDG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank partner with Amazon and I had a credit limit of XXXX. For absolutely no reason and I always paid on time they lower my credit limit to XXXXXXXX XXXX Than I decided to close my account since this drastically damadge my credit rating & report. I close my account and I owe XXXX XXXX and they began to add fees even after the accoutnwas close. The fees came to XXXX each time. In less than 150 days the additional fees have amounted to more than XXXX XXXX Note that the my account has been close for over 5 months. If I got a fee every month of XXXX dollars that would euqal XXXX and thats not even half of what they now lie that I owe. I never use my credit to accumulate the over XXXXXXXX XXXX XXXX They have all been added fees by arbitration nor does my credit limit even allow me to extend beyond the deducted XXXX dollars they have self impose. Synchrony Bank is operating in fraud and deceiving its customers who believe their accounts have been close. I close my account in XXXX and they can not be allowed to damage other peoples credit like this. They manipulate their banking system and create false realities. I have tried to buy a home and get a loan and they have prevented me from doing so. They need to pay for the damages that they have done for deceptive practices.
Consumer complaint received 2023-10-27
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

On XX/XX/XXXX I uploaded an escrow analysis to Freedom Mortgage as requested to show that we are owed XXXX overage from our escrow account. They sent us a check for XXXX and refuse to tell us where the extra XXXX dollars is. I called them again today and they stated that they dont have the money and that they didnt receive the uploaded Document even though I can see it was sent to them through their online account as requested. It has been a runaround between them and XXXX XXXX since XX/XX/XXXX. It is so concerning that to see companies keep money that they are not allowed to keep. Its so frustrating as a consumer that I can not get anyone to help and I keep Being asked to do the work to get Our money. 
Thank you for you time.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

marked as duplicate complaint, but did not provided me with the following information I requested below, they are avoiding providing me proof of debt because they don't have proof. 


I have requested debt VALIDATION from these companies and they have not responded. I am looking for the following items XXXX ) XXXX of the original creditor with my signature that guarantees I will pay XXXX ) Detailed list of my payment history XXXX ) name and address of the original creditor XXXX ) proof of debt assignment XXXX ) have any insurance claims been filed against this debt. this is a violation of XXXX XXXX XXXX XXXX and XXXX XXXX section XXXX G
Consumer complaint received 2024-07-31
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: OneMain Finance Corporation (DE)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Consumer complaint received 2024-07-31
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: CL Holdings LLC (DE)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Consumer complaint received 2024-07-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2024 there was a Comenity Card ACH XXXX transfer from my XXXX XXXXXXXX XXXX  Checking account in the total of {$92.00}. I disputed this charge. 
On XX/XX/2024 XXXX XXXXXXXX XXXX agreed with my dispute and credited my account for {$92.00}. 
On XX/XX/2024 there was another Comenity Card transfer from my XXXX XXXXXXXX XXXX Checking account in the total of {$92.00}. This time the withdrawal was a physical check, number XXXX. Again, I disputed this charge. 
On XX/XX/2024 XXXX XXXXXXXX XXXX  agreed with my dispute and credited my account for {$92.00}.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NC)

In mid XXXX XXXX a savings account with Citi. In XX/XX/XXXX I deposited my first deposit. A check written to me from a company I have done work for for almost 20 years. My account was instantly blocked. After calling the first time, i was told the check was flagged as fraudulent. Ok, so I wait a few days and cal back. Then they tell me my account has been closed and a refund will be issued in 60 days. I received a letter from them dated XX/XX/XXXX shortly after that phone call. All within XXXX weeks of the deposit. The check deposited was for {$1100.00}. More than 60 days had passed so for the last few days I have been calling them. They said they needed to verify the check wasnt fraudulent by talking to the company that wrote the check. They did that. Confirmed it with the gentleman that wrote it. I have kept them in the loop through this process. They have confirmed the check cleared their account with no issues. But they now say no one as made the note on the account. So I still can not get my money. At this point I am ready to get law enforcement involved because they have obtained my property ( money ) under false pretenses ( supposed fraud ) and refuse to give it back. Which is theft. I asked to speak with a supervisor and of course no one was available. Supposed to be on a call back list but that will probably work as good as the check writer calling to confirm the legitimacy of the check. I need help resolving this because they will not follow through with their policy. I have been professional until now and will not be professional with them any longer. They are thieves and will be treated as such.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
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. (FL)

Today I received a message from XXXX stating no adjustments would be made to my credit report of removing the delinquencies XX/XX/year> to XX/XX/year>. Although per previously filed complaint XXXX and letter attached, XXXX XXXX stated for customer service they would report this to the agencies for it to be removed. I am absolutely hurt and upset that I am getting different information from this company. Today I called customer service and spoke with manager, XXXX and she had no clue of the letter I was talking about that I received XX/XX/XXXX.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX XXXX XXXX XXXX XXXX : {$270.00} Claim was provided because goods were never provided by the merchant. Goldman Sachs says they investigated and didnt have evidence to support my claim. I dont know how you would show something that you never received, but it is illegal to force a consumer to pay for a food they were charged for and never received.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My identity was leaked onto the internet by XXXX XXXX XXXX including checking account routing number and checking account number. Fraud occurred over a course of 6 months where my account was steadily drawn down until I was several XXXX dollars overdrawn and bank made no mention of identity theft or fraud and took no responsibility. I spoke with XXXX XXXX at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. In regards to this around XX/XX/year> and he said that the bank is only responsible for 60 days of fraud other than that I can take it up with MasterCard but they were not going to refund anymore of the fraud or the overdraft fees that resulted from the fraud. Long story short I'm out approximately {$3000.00} from Huntington Bank
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

I called into pennymac a few weeks ago to update the homeowners insurance policy for my escrow. I was told to send in the information with the policy information via the XXXXpennymac website. 

The XXXXpennymac website had issues for days either I could not log into the portal or it would take MINUTES to load a single page. 

Because of the issue with the website, I logged into pennymac 's website and sent the new updated XXXX XXXX homeowners policy information via the secure message section in pennymac 's website. 

I have yet to hear back from Pennymac. 

I was finally able to get into the XXXXpennymac website and upload the insurance information. THEY " SUCCESSFULLY '' RECEIVED THIS BUT UPDATED MY POLICY INFORMATION TO THE OLD INSURANCE EVEN THOUGH I UPLOADED THE XXXX XXXX XXXX INFORMATION. 

I uploaded the information again AND THEY UPDATED IT AGAIN TO THE OLD INSURANCE INFORMATION. 

Now pennymac has paid the wrong insurance company which I no longer have a policy with and I have to chase down funds, deal with refunds, deal with putting that back into escrow. They're going to calculate an escrow shortage more likely because of this. What a mess. 

Worst mortgage company I've ever had the pleasure of dealing with. Consistently have issues with their escrow.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Funding Ohio, LLC (TX)

on XX/XX/year> I was approved for a title loan for {$1200.00}. I was told that if I gave my first scheduled payment of {$350.00} before the XX/XX/year> I would be given credit towards the loan. But on XX/XX/year> when I went in to give that payment i was told that the payment wouldn't be credited because the payment was late. They told me that if I went online and gave an excellent review that {$60.00} would be credited towards the loan. But as the attached documents show not only was I not credited the {$60.00} but my cash payment of {$250.00} wasn't credited either. As the attached documents show there's XXXX different remaining balances of {$2800.00} and {$2500.00}. I been there on XXXX different occasions to attempt a reasonable explanation but have been deceived and lied to. I humbly request your assistance because such deception and misinformation is not right.
Consumer complaint received 2024-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc (CA)

XX/XX/year> I got an email from XXXX XXXX stating I owe them a debt of {$1400.00}. I have been a victim of identity theft and this is not my debt. I will pursue legal action if this debt is not removed or no longer associated with my personal name. Also, know that collections are illegal under the American federal law 15 USC 1692. Its {$1000.00} per violation so delete this.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

Upon reviewing my credit report, I noticed that account ALLY FINCL ( XXXX ) shows late payment marks that are incorrect, as I have never missed any payments. I have disputed this matter several times, but the mark simply 'validated ' itself, and in none of their responses did they provide certified information confirming that I was in delinquency. For this reason, I am filing this complaint, as I believe the company is violating the relevant sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

In accordance to the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

16. U.S.C.1681 SECTION 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 ( c ) ( 2 ) ( 5 ) Section states :. No consumer reporting agency may make any consumer reports containing any of the following items of info, any other adverse item of info other than the records of convictions a crimes which dates report by more than 7 years.

15 U.S.C. 1Y81-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate.
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: CITIBANK, N.A. (CA)

Checking my credit report, account MACYS/CBNA ( XXXX ) shows late payment remarks that are inaccurate since I have not missed any payments. I have made several disputes regarding this issue ; however, the remark only seemed to 'validate ' itself according to them, but in none of their responses did they provide certified information that verifies I was indeed in delinquency. This is why I am filing this complaint, as I believe the company in question is violating the following sections of 15 : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.