davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NY)

I am a victim of identity theft I have addresses that are not associated with my name as well as debt that's not mine. I will attach a copy of my identity theft report. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit repor I request a thorough investigation into these inaccuracies.

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. kindly request that you investigate the accuracy of the names and addresses associated with my credit repor
t, remove the inaccurate accounts, and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter I would like all items deleted.
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-11-03
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: Westlake Services, LLC (TX)

This company is violating my rights they have not provided information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.
Consumer complaint received 2024-11-02
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: SUNRISE CREDIT SERVICES, INC (CA)

My identity has been exposed in over XXXX data breaches in the last 4 years. I am doing all i can to get my identity back but these companies will not remove these accounts when i dispute them. I have been denied refunds for fraudulant charges ranging in the XXXX of dollars im paying for repair companies to help but im getting no where please help me. with this particular company sunrise credit say i owe money for services i didnt get and cell phones i did not purchase
Consumer complaint received 2024-11-02
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: Westlake Services, LLC (AZ)

15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (MI)

Subject : CFPB Complaint Regarding Continuous Contact and Request for Forensic Audit To Whom It May Concern, I am submitting this formal complaint against [ Debt Collector 's Name or Accord Debt Collectors ] regarding their continuous and unlawful contact concerning the debts in question. Despite my requests for cessation of communication, I continue to receive unsolicited correspondence from them. This ongoing contact violates several laws, including : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : The FDCPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 
Michigan Compiled Laws ( MCL ) 445.251 et seq. : These laws specifically govern debt collection practices in Michigan, providing protections against abusive or deceptive practices. 
Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 et seq. ) : This Act aims to ensure that consumers are treated fairly and that they have access to information regarding their debts.

Additionally, I request a forensic audit of the transactions related to these debts, along with the release of information regarding any insurance claims or bonds filed to cover these debts. I also seek clarification on whether any UCC claims have been filed to establish ownership of the debt.

My UCC filing and Security Agreement cover all future debt obligations as described in the UCC collateral provisions. Therefore, I respectfully demand that the debt collector refrain from any further communication with me, as such contact may constitute legal trespass and could lead to equitable remedies regarding the charges in question.

Furthermore, I require disclosure of the insurance company involved, as well as any claims that may have been filed against said policy.

Please ensure that this complaint is addressed promptly and in compliance with the relevant federal and state laws. Thank you for your attention to this matter, and I look forward to your swift response.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (IA)

We traveled to South Carolina in XXXX. During this trip we rented a XXXX passenger XXXX. When we showed up it was only a XXXX passenger so they messed up and had to upgrade me to a XXXX passenger as they didn't have any XXXX passenger. They were supposed to keep me at the same price at what was quoted. They ended up charing me almost XXXX dollars more and wouldn't come off of that. I have sent Citibank the files showing original quote and charged amount 4 times. They opened and closed the dispute without talking to me or asking for any other documents. They have refused to reopen it despite me asking them to do this several times by phone and email. I have told them I will close my account immediately if this doesn't get fixed. I want a real person to call me so walk through the documents I sent and them get a bona fide statement from me. They are pencil whipping this compliant and dispute without any regard for the customer. This is a common issue with Citibank. I want this escalated with the company
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES (MN)

I called the credit card company and told them the card was lost. i called the credit card company multiple times, and they told me it was noted and nothing happened. now i have a collection agency threating to sue me for a card that I did not have in my possession. i have tried to talk to the collection agency, but they are threatening me with legal action. i am not sure what else to do to have this matter handled before this affects my credit.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior XXXX certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2024-11-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC (WA)

What happened is the westlake financial made a statement against me to XXXX  and I took a action on disputing against the statement. So I don't want to any history/information recorded between my name and they business. Its making it difficult to apply my nature to my survival.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (MN)

Dear Consumer Financial Protection Bureau, I am reaching out to report a case of what I believe to be fraud regarding an account that has been opened in my name. The account in question was apparently opened during a period when someone else was residing in my home. I had no knowledge of this account being created, and I never received a credit card, statements, or any funds associated with it. 

I am now facing attempts to collect on this account, which I do not recognize and do not believe to be mine. I am requesting that the credit card company involved provide detailed information to confirm or disprove my ownership of this account. Specifically, I would like to receive any documents showing how the account was opened, the method of application, and any identification used. 

I am requesting your help in ensuring that this credit card company complies with my request to validate the account and investigates this matter as potential identity theft. I would appreciate any support or guidance you can offer to protect my consumer rights and resolve this issue. 

Thank you for your time and assistance
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (FL)

XXXX ) Complaint filed with CFPB XX/XX/22 ( # XXXX ) AND COMPANY FAILED TO COMPLY AND DO WHAT WAS REQUIRED OF THEM WITHIN 20 DAYS AS REQUIRED BY FEDERAL LAW.

2 ) VIOLATED 15 USC 1635 ( a ) - Never disclosed to me CLEARLY and CONSPICUOUSLY and PROVIDE APPROPRIATE FORMS of my RIGHT to Rescind.

3 ) VIOLATED 15 USC 1635 ( b ) - SEE ATTACHMENTS 4 ) VIOLATED 15 USC 1605 ( a ) - SEE ATTACHMENTS 5 ) VIOLATED 15 USC 1692 ( j ) - FALSE AND DECEPTIVE FORMS -SEE ATTACHMENTS
Consumer complaint received 2024-11-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Fay Servicing, LLC (CA)

For XXXX years, we maintained a mortgage contract with Fay Servicing, under the understanding that escrow would cover property taxes and insurance. When attempting to refinance with another lender, we discovered Fay Servicing had failed to pay property taxes, putting our home at risk of public auction. My husband and I had to pay the back taxes ourselves to prevent foreclosure, and Fay Servicing has not reimbursed us. This failure to uphold their contractual duties in managing escrow has caused significant financial and emotional distress, and we seek immediate compensation and a clear resolution.
Consumer complaint received 2024-11-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MD)

Dear Consumer Financial Protection Bureau, Please see the important information about complaint file XXXX. 

Please see the Appraiser who did the appraisal XXXX XXXX XXXX, XXXX, MD XXXX for XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email address : XXXX He came and did the Appraisal inside and outside the house professionally. Please reach out to him if you have any questions.He provided Appraisal report to the lender XXXX XXXX. 
It was on XX/XX/XXXX. The appraisal was done on XX/XX/XXXX, XXXX house was still under construction. The construction value kept increasing XXXX XXXX % more including all Labor. Everyone knows that.

I also have other appraisals closer to XXXX XXXX  amount recently. 
I also have XXXXXXXX XXXX  Appraisal Report XXXX XXXX XXXX XXXX XXXX at the end of XXXX for XXXXXXXX XXXX loan in thebeginning of XXXX is done professionally before they gave me the loanXXXX bank provided me the Appraisal Report.I can provide the Appraisal Report if you need it.

The Broker from XXXX for XXXX told me that the appraisal was close to XXXXXXXX XXXX but XXXX went back and changed it multiple times to reduce the loan amount. Eventhough, it the Appraisal report value is XXXX XXXX XXXX different higher than the {$5.00} XXXX appraisal value in the Loan documents. 

I am the Homeowner and Builder and my labor as a Builder was not paid. It shows in all loan documents. 

I appreciate your help. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc. (FL)

Received a letter in the mail from XXXX XXXX XXXX Which has a perfect payment record- XXXX sold all student loans to XXXX XXXX and is now being serviced by Firstmark Services XXXX I did not authorize this. All the interest XXXX has made on the student loan account and to up and sell it without details to the customer is nonsense. 

I did not authorize a sale of the student loan with discover.
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, I called XXXX XXXX as the result of receiving an offer letter to improve my current mortgage rates or seek equity credit. During the call, I spoke to a XXXX XXXX, XXXX ( the last name not given ). XXXX assured me he would only do a " soft '' inquiry and I specifically said I did not want any hard inquiries on my credit report. He researched what he could do for me, lowering my mortgage payments, line of equity and we concluded there was no offer I could take advantage of at this time, so we hung up. Two hours later my credit monitoring service reported a " hard inquiry '' hit Transunion and then XXXX I confirmed by logging into XXXX and Experian. The hard inquiries also hit my wife 's ( XXXX ) credit report. I immediately called XXXX XXXX back to speak to XXXX, they transferred me to his extension where I left a message reporting my complaint about the hard inquiry and requested it be removed. I called XXXX 's direct line ( XXXX ) again on XX/XX/XXXX stating the same complaint and request to remove. On XX/XX/XXXX, I called XXXX XXXX and filed a complaint with their customer support department. The hard inquiry is still on my credit report and I have not heard back from XXXX XXXX or XXXX.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

I have not uncharacteristically received wire transfer payments from any of the companies to whom I sold intellectual property previously nor have I received any wire transfer payments since XX/XX/2022 when I switched my banking to Chase Bank NA and provided the account Information to all parties. This week when looking into the matter, I discovered that most months indicate a gap in transactions from the first of the month to the tenth of month both on the Chase Mobile Application and Monthly Statements. I also discovered a checking account ending in XXXX that I was previously unaware existed. These discoveries cause me concern that payments intended to me are being stolen via offsetting equal net-XXXX debit transactions or diverted to the account ending in XXXX that I have never accessed.
Consumer complaint received 2024-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (TX)

I am filing this complaint regarding Zion Debt Holdings a collection agency that reported a debt to both me and my husband 's XXXX credit file without providing prior notification, as required by the Fair Debt Collection Practices Act ( FDCPA ). I sent written correspondence to the collection agency to request verification of the debt, they failed to provide adequate documentation and instead attempted to continue collection and reporting of this outdated account. This debt is over XXXX years old based on the document they sent, which, according to the Fair Credit Reporting Act ( FCRA ), should not be reported on my credit report. I request that the reporting of this debt be removed from my XXXX credit report, as it has unfairly impacted my credit score and violates both FDCPA and FCRA guidelines. Zion Debt Holdings has not removed this from my credit even with my attempt to dispute.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

To Whom It May Concern, I am writing to file a formal complaint against Citi for the unjustified closure of my Citi XXXX XXXX credit card account in XX/XX/XXXX. My account was closed by the bank, with the stated reason being " fraud activity '' due to " high spending '' within a single month. However, I believe this action was inappropriate and unjustified, as my spending activity was legitimate and aligned with the purpose of opening the card. 
The spending flagged as fraudulent occurred during a recent family trip, where I used the card as intended to cover various travel-related expenses, including accommodations, dining, and entertainment. I opened this card with the specific intent to use it for family expenses and expected that such usage would be within the banks acceptable range, especially given my established credit history. 
When I contacted Citi regarding this issue, I explained the nature of these charges, but I was still informed that the account closure was final. This action has been highly inconvenient and disruptive, as I have been left without access to the card that I expected to use during my travels. 
I am requesting the CFPB to investigate this matter and urge Citi to reconsider their decision. This experience has caused significant frustration, and I am concerned about the impact of this action on my credit score.

Thank you for your attention to this matter. I look forward to a resolution that reinstates my account, gives back my ThankYou points or at least provides a satisfactory explanation.
Consumer complaint received 2024-11-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCash Holding LLC (IL)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. Here are the inaccuracies I have identified : Account Name : SAIL LLC Account Number : XXXX Reason : Account is settled Instruction : This account was settled with the furnisher. They told me you can contact them to verify this and then you will update it. If you are unable to do so, then remove this account from my credit report.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX  is reporting inaccurate accounts on my consumer reports which has affected the ability to maintain credit. This account does not belong to me. Anyone can open a fradulent account online. Where is the orginal contract with my signature. How did they verify an account is accurate that was opened online.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I WANT TO DISCUSS THE MATTER AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX BANK XXXX XXXX XXXX STILL REMAINS UNDER XXXX AND TRANSUNION, WHEN XXXX WAS ABLE TO GET IS REMOVED. THERE HAVE BEEN SEVERAL ATTEMPTS AT GETTING THIS ACCOUNTS COMPLETELY REMOVED FROM MY REPORTS SINCE I STARTED DISPUTING ON XX/XX/2017. ACCORDING TO THE FCRA IF AN ACCOUNT IS NOT VERIFIABLE ACCURATE, NOR COMPLETE THE ACCOUNT HAS BE REMOVED AS SOON AS POSSIBLE. THIS HAS BEEN ROLLING FOR WAY TOO LONG, AND I FEEL NOTHING HAS BEEN DONE BY XXXX OR TRANSUNION. PLEASE REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORTS, IT'S GETTING IN THE WAY OF ME ACHIEVING MY GOALS.