davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC (MS)

I received notification from creditor that a debt that the referenced account was sold. However, I requested validation of the debt on XX/XX/scrub> 2024. However, all I received was an itemized statement. The statement did not have much of any information on it. Therefore, nothing that I requested was presented to me. I sent another letter around XX/XX/scrub> 2024 letting the creditor know that the information that they sent did not meet my validation request. I recently received another itemized summary on XX/XX/scrub>, 2024 from another creditor who has bought the debt. I sent another letter on XX/XX/year>2024 requesting validation of the debt.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (MA)

We are now retired and living on a fixed income and need a loan modification. We've been going through this since XXXX and we have provided all the information they need, but they keep asking for the same paperwork over again and twice in 2 months they've sent some goons to our front door with an intimidating message to call them despite me taking all their calls. This is an intimidating mobster type move and they've done it twice. We are working with a law firm and they are having problems dealing with them. This is M & T Bank.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2024, I sent my first letter to XXXX and XXXX requesting verification on the collections listed as Portfolio Recovery and to remove this inaccurate information from my consumer report. I sent three separate letters through certified mail on XX/XX/2024, XX/XX/2024, and XX/XX/2024 specifically asking a copy of the original documentation ( a consumer contract with my signature on it ) to verify that these accounts are mine. The credit bureaus and collection agency have failed to investigate this collection and they are choosing to remove this unwillingly and noncompliance with the FCRA law. Ive also contacted Portfolio Recovery directly requesting this information. 
The credit bureaus have failed to provide the documentation after several times of my asking. Yet, the collection agency Portfolio Recovery, is continuing to harass me by phone and text demanding for me to pay a debt that they havent provided the contract for. I do not have any recollection of these debts. This has negatively impacted my ability to receive a new job ( a credit check was ran and the collection impacted the companys ability to hire me ), my borrowing power, and so many other ways. Something has to be done about this. I am asking them to please remove this if they can not provide me with the proper signed contract. I am due justice and I look to have this resolved asap because Ive been dealing with this far too long.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is about a closed complaint XXXX. Bank of America did not resolve my problem after XXXX  days as promised by their representative, it has been XXXX  months over XXXX days but my credit report still has the hard inquiry not belonged to me. 

Here is the response from BoA in the original complaint : " In the CFPB correspondence, you indicated that an unrecognized inquiry from Bank of America is showing on your credit report. Our research has confirmed that this inquiry is related to an account ending in XXXX that does not belong to you. To correct this, on XX/XX/2022, we sent the enclosed to letter as notification that we submitted a request to the consumer reporting agencies to remove all of our reporting for the account ending in XXXX from your credit file. Please allow XXXX  days to see the changes that we have made. ''
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

My account from US Bank was closed on approximately XX/XX/year>. I called to see when i could expect the funds which is a total of roughly {$12000.00}, i was told i would revieve them in 30 days. i waited and did not get a response. 
I called again about XXXX weeks later to get an update and was told my money was being held because the money was not mine. 

I was told to go into my local branch in XXXX, CA. So i did, the branch manager then told me a needed proof that the checks i deposited into my account was intended for me. 

I attempted to show the manager that i did work for the owner of this company, they then told me i needed to provide a XXXX document to prove i worked for this company, I didnt have it at the time. 

Days later i was able to retrieve a XXXX form, i then was told that the document wasnt enough and that i needed more proof and didnt accept the document.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OH)

I had an account with Credit Karma for several years. Credit Karma is backed by XXXX Bank. XXXX Bank immediately redirects you to Credit Karma, when attempting to discuss account information. 

On XXXX XXXX, I had a withdrawal in the amount of $ XXXX. Both approximate numbers, strangely that specific activity is not visible on my account, yet I am still dramatically overdrawn. This is withdrawal was initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was an error due to a delayed payment on my part. XXXX XXXX XXXX XXXX sent both myself and Credit Karma documentation from the XXXX XXXX XXXX XXXX to release the funds on XX/XX/XXXX. Essentially, Credit Karma has {$1400.00} of my funds on hold, because it appears I am still overdrawn. 

I have spoke to several representatives through Credit Karma XXXX XXXX ( because apparently they merged ). XXXX claims the other is the responsible party, so theres nothing they can do - and vice versa. I have been hung up on several times over the months- and been given very vague responses as to why they cant release my funds- despite the court order. Ive emailed said documents and forwarded them the same email multiple times. Ive supplied documentation of that. Still, nothing- and I have yet to receive my money I am owed. XXXX XXXX XXXX XXXX never received any money from Credit Karma- so whats the hold up? This seems to be a clerical error they are refusing to correct.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (IL)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXXXXXX XXXX and XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2024-08-08
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: Professional Recovery Management (SC)

I am filing this complaint against Fox Collection Agency regarding an account they have reported as verified and accurate. This account is originally for XXXX XXXX, a company with which I have no record of doing business. It appears this company is fraudulently trying to collect on a debt without providing proper notification to me of the account. Fox Collection Agency failed to contact me in reference to some type of utility account I have no affiliation with. It appears my information may have been fraudulently used to obtain this account. 

Details of the Dispute : Original Dispute Filed : On XX/XX/year>, I filed a dispute challenging the validity of this account. Despite my lack of business dealings with the original creditor, XXXX XXXX, Fox Collection Agency has responded that the account is verified and accurate. 

Request for Full File Disclosure : In accordance with the Fair Credit Reporting Act ( FCRA ), Section 611, I am requesting a full file disclosure of the method used by Fox Collection Agency to verify this account. Specifically, I am requesting : Hard evidence that traces back to the original creditor, XXXX XXXX. 
The original creditors contact information and any documentation that links me to this alleged debt.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NJ)

I have a Savings account with Marcus by Goldman Sachs, and I had set up an ACH to pay my spouse 's school semester fee through the bank on XX/XX/XXXX. The bank cancelled the transaction and locked my account on XX/XX/XXXX, and is now providing me with an indefinite timeline to unlock my account when I called them back. It is my money and I need this to pay my spouse 's school fee which also has a deadline. I need some immediate help on this matter. Thanks!
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

XX/XX/23 {$500.00} lost via XXXX XXXX XXXX impersonating a friend. Sent money as deposit for an item for sell. Scammer began asking for more money, which then allowed me to realize this was not who I was lead to believe. XXXX : XXXX XXXX XXXX Zelle : XXXX I was encouraged to file this complaint by a consumer support outreach agency.
Consumer complaint received 2024-08-08
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: Fay Servicing, LLC (NE)

In XXXX we enter into XXXX XXXX bankruptcy. We were discharged in XXXX. In the final year of our XXXXXXXX XXXX Fay begin a series of errors that was promptly brought to their attention through Notices of Error letters. Errors such as inaccurate monthly statements, using pre-petition money paid through the Trustee to pay ongoing post-petition mortgage payments, inaccurate arrears balance, inaccurate amount paid during bankruptcy, principle reduction payments, and making payment changes without the court or the Trustee approval. In XXXX of XXXX Fay declared that we were more than {$11000.00} in post petition arrears because of the mistakes that they made in misusing per and post petition funds. We made every payment per statement. We would receive a statement in XXXX that was due until XXXX because of this misapplication. These errors jeopardized our bankruptcy discharge. The Judge, in order to give us the discharge we worked so hard and sacrificed so much for suggested that Fay Modify the pre-and post- petition debt and granted them relief from stay for the expressed purpose of communicating with us to modify the debt. On XX/XX/XXXX we entered a temporary modification with the promise of a permeant modification if we made all the payments. We made three payments before receiving a phone call in XXXX of XXXX from a XXXX XXXX from Fay Servicing informing we that we met all the requirement for the permanent modification and that the documents were being prepared and we should get them shortly. We never stopped making our payments. XXXX called later asking if we received the modification documents they sent. I told him no we didn't. He promised to re-send them. To this day we have not receive a permanent modification So we kept making our payments. Fay returned our XXXX payment stating that we were in default some {$40000.00}. We have spent over five years of our lives to get back on track and now because of Fay Servicing errors we are in no better shape than we were over five years ago. Even before the {$11000.00} in XXXX of XXXX Fay should have alerted us of 45 day delinquency. They did not. At our age, we just want to be treated fairly.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (SC)

Discover Bank is reporting an account as taxable income on my credit report due to the fact that the debt has been charged off. They are continuing to update the balance as c/o on my credit report. I have not yet received a 1099C for this matter as well so that I may file it on my tax return. XXXX, XXXX, and XXXX said they do not report income, however this matter remains unresolved and continues to report negatively on my report as income. Section code 15 USC 1681eb. 

Account : XXXX
Consumer complaint received 2024-08-10
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: CL Holdings LLC (NM)

On XX/XX/year>, I XXXX XXXX disputed through XXXX a debt from a debt collection agency by the name of JEFFERSON CAPITAL SYSTEMS which I have no contract with. The XXXX investigation concluded through their investigation that the reported credit results were factual on XX/XX/year>. Absolutely no contract, original documents, nor any document or proof that the account is or was ever mine nor how XXXX determined how they reached the conclusion of this investigation. It appears as if someone made a simple phone call or document and took a random persons word without legitimate factual legal proof
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TX)

A few months ago in XXXX I paid a balanced me and my boyfriend owed in full. I received an email of that receipt stating I no longer owe a balance. A few weeks ago I began receiving calls from a collection agency trying to collect that debt. I tried to dispute the debt since I do not owe it and the collection agency and the credit bureaus are stating that I do have to pay that money I submitted the receipt where it says I paid in full. I do not understand why theyre trying to make me pay for something I already paid.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (SC)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-08-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc. (VA)

Sentry Credit put a collection of debt on my credit report. I never received notice of the debt owed and asked to provide an itemization of the debt from XXXX XXXX XXXX since I had moved out a year ago. 

Sentry Credit received the certified letter, I have the signed return receipt, and they have yet to respond to my letter and are still are reporting to the credit bureaus.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis.

According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access.

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records.

Source of Information : The name of the entity or individual who provided these records to LexisNexis. Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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