davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
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. (MA)

I, XXXX XXXX XXXX, am writing to formally register a complaint and seek redress regarding my participation in the Sweet vs. Cardona Borrowers Defense Class Action Settlement ( Application Number # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  ). I believe my case merits special attention due to the following facts : I am addressing the inclusion of the following tradeline on my credit report : - Account Name : MOHELA/DEPT OF ED - Account Number : XXXX - Loan Award ID : XXXX - {$4800.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$13000.00} - Loan Award ID : XXXX - {$20000.00} I believe this tradeline violates the terms of the settlement agreement and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application ( s ), as specified in the settlement terms.

I request that the credit reporting agencies promptly investigate this matter to ensure that my credit report accurately reflects my status as a borrower defense applicant in administrative forbearance. The FCRA and the settlement agreement require that my credit reports accurately represent my financial obligations and rights under the law.

As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application : XXXX, as specified in the settlement terms. 

I understand that the Sweet vs. Cardona Borrowers Defense Class Action Settlement is designed to address cases where borrowers have been subject to unjust treatment related to their student loans. Given the circumstances of my case, I believe it falls within the scope of this settlement.

I have reviewed the terms of the Sweet vs. Cardona Borrowers Defense Class Action Settlement, and I believe that my situation is directly related to the objectives and provisions outlined in the settlement. Therefore, I request a thorough review of my case to determine if I am eligible for reimbursement and restitution under the settlement terms. 
Enclosed with this complaint, you will find supporting documentation : 1. Copy of Dispute Statement 2. Copy of Request for Enforcement of Settlement Rights to Privacy and Accuracy of Information ( Dept. of Education Letter ) 3. Copy of Borrowers Defense Class member participation and eligibility for administrative forbearance. 
4. XXXX XXXX XXXX Misconduct, Misrepresentations, and Breach of Contract and Fiduciary responsibility claim evidence and copies of email correspondence. 
5. Copy of your drivers license ( Proof of Identity ) 6. Copy of Bank Statement ( Proof of Address ) 7. Loan Details - Copies of XXXX XXXX credit report highlighting discrepancies.
Consumer complaint received 2023-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (SC)

I am writing to file a formal complaint against Westlake Portfolio Management. They have been attempting to collect money from me for an auto loan that I have never taken out, and I believe this is a violation of the Fair Debt Collection Practices Act. I am providing the following details to support my complaint. Despite not having any contractual agreement or association with an auto loan with them, Westlake Portfolio Management has persistently contacted me, demanding payment for a supposed debt. The contract that I had was with US Auto Sales/Finance and they filed for bankruptcy XXXX  XXXX XXXX  is a debt collector not a finance company. This company even went as far as being put on my credit reports. I would like to clarify that I have never entered into any auto loan agreement or made any transactions with the company they claim to represent. I kindly request that XXXX provide me with detailed documentation regarding this alleged auto loan debt. This includes the auto loan agreement, my wet signature, any loan statements, or any other supporting documentation that establishes the legitimacy of the debt. I urge them to clarify the origin of this debt and verify my liability. I formally dispute the debt in question due to the lack of evidence and my complete absence of any involvement with the alleged auto loan. I kindly request that all further collection attempts cease until XXXX can provide proper documentation and prove my liability. In order to ensure clear and effective communication, I prefer to be contacted by mail. Please refrain from contacting me via phone or email until this matter is resolved. I request that XXXX conduct an immediate and thorough investigation into my claim. I expect a comprehensive response within 30 days, addressing the specific details of this complaint and providing a resolution to this matter. Attached to this complaint, you will find copies of all correspondence and any supporting documents I have related to this issue. I appreciate your attention to this matter and your assistance in resolving this unjust debt collection attempt. I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this complaint and take appropriate action against XXXX if deemed necessary. Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

In late XXXX, I had received letters /correspondence from Citizens bank XXXX XXXX overdrawn checking accounts which I never opened or had! 
I threw them out by accident, but it said they were XXXX, I called Citizens call XXXX and was told there were XXXX accounts in my name! They told me they couldn't tell me much due to if it was or I was the real " XXXX XXXX " I NEVER opened these accounts, I feel my social security number was compromised. 
I froze my credit, filed a complaint w/Citizens ID Theft dept and Also a police report will be filed.. 
This has hurt my chances of purchasing a new car, applying for a loan and very time consuming. 
I am also taking legal action from Citizens having fraudulent accounts in my name for a year without contacting me.
Consumer complaint received 2023-09-17
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: MOHELA (MA)

I, XXXX XXXX XXXX, am writing to formally register a complaint and seek redress regarding my participation in the Sweet vs. Cardona Borrowers Defense Class Action Settlement ( Application Number # XXXX - XXXX XXXX XXXX [ XXXX ] ). I believe my case merits special attention due to the following facts : I am addressing the inclusion of the following tradeline on my credit report : - Account Name : MOHELA/DEPT OF ED - Account Number : XXXX - Loan Award ID : XXXX - {$4800.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$13000.00} - Loan Award ID : XXXX - {$20000.00} I believe this tradeline violates the terms of the settlement agreement and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application ( s ), as specified in the settlement terms. 

I request that the credit reporting agencies promptly investigate this matter to ensure that my credit report accurately reflects my status as a borrower defense applicant in administrative forbearance. The FCRA and the settlement agreement require that my credit reports accurately represent my financial obligations and rights under the law. 

As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application : XXXX, as specified in the settlement terms. 

I understand that the Sweet vs. Cardona Borrowers Defense Class Action Settlement is designed to address cases where borrowers have been subject to unjust treatment related to their student loans. Given the circumstances of my case, I believe it falls within the scope of this settlement.

I have reviewed the terms of the Sweet vs. Cardona Borrowers Defense Class Action Settlement, and I believe that my situation is directly related to the objectives and provisions outlined in the settlement. Therefore, I request a thorough review of my case to determine if I am eligible for reimbursement and restitution under the settlement terms. 

Enclosed with this complaint, you will find supporting documentation : 1. Copy of Dispute Statement 2. Copy of Request for Enforcement of Settlement Rights to Privacy and Accuracy of Information ( Dept. of Education Letter ) 3. Copy of Borrowers Defense Class member participation and eligibility for administrative forbearance. 
4. XXXX XXXX XXXX Misconduct, Misrepresentations, and Breach of Contract and Fiduciary responsibility claim evidence and copies of email correspondence. 
5. Copy of your drivers license ( Proof of Identity ) 6. Copy of Bank Statement ( Proof of Address ) 7. Loan Details - Copies of XXXX XXXX credit report highlighting discrepancies.
Consumer complaint received 2023-06-06
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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  XX/XX/XXXX
Consumer complaint received 2023-09-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023 I purchased two American Express cards to put money on for my teenagers allowance. They tried to make a purchase at XXXX but it was declined. They tried to pay a bill at XXXX XXXX and it was declined again. I contacted American Express, confirmed the cards were activated and after describing the error the representative suggested I not use the card with this merchant ( XXXX ) and try another store. I got off the line and tried at three different stores- XXXX XXXX XXXX, and XXXX to no avail. I called back to reiterate thats the card agreement says it can be used anywhere online that allows the usage of American Express cards. I would just like to have my money back at this point because when you call they keep suggesting other merchants and at this point I am done.
Consumer complaint received 2023-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (GA)

The Motion for Relief was lifter in XXXX of XXXX. I sought the assistance of the State of Georgia and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX pledge {$5500.00} in mortgage assistance payments. The State of Georgia pledged {$50000.00}. 
We received a verbal confirmation and written confirmation that Fay Servicing would accept the {$5500.00} payment from XXXX XXXX XXXX XXXX XXXX. However, Fay Servicing returned the funds twixlce after advising that they would accept the payment. 

Now, I am no longer eligible for the program.
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed my credit report and there's a lot of inaccurate information and unauthorized infractions as well as fraudulent information such as address and unknown phone numbers reported on my profile. I request that this information be removed under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of 15U.S code 1681i Procedures in case of disputed accuracy ( XXXX ) Reinvestions of Disputed Information ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, The agency shall, free of charge, conduct reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller
Consumer complaint received 2023-06-06
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. (KY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Each account below has debt that is not mine : Account # XXXX The accurate amount of debt on each account is {$0.00} as it is not mine. My only address is XXXX XXXX XXXX XXXX, KY XXXX since XX/XX/1999 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. Each company associated with Account # XXXX has all failed to provide a valid wet signature from me. The status of each account should be closed due to required deletion as the debt is not mine. 

These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

After reviewing my credit report, I have a few hard inquiries on my credit report that I didnt authorize and also didnt give permission for anyone to run my credit report so I would like to have them removed off my credit report please I also filed a report with FTC and would like to Have those inquiries deleted off my credit report please I would like those for inquiry to reflect on my credit report as deleted and removed please The hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also AXXXX 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 thank you.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Chase debited {$3000.00} from my checking account today ( XX/XX/20 ). I received an alert of an overdraft. When I called customer service, the representative acknowledged the charge and gave me the impression he was familiar with the name on the debit. ( this has happened to me once before, and I was informed it was someone paying their mortgage, same name on the debit ) he transferred me to a claims person who stated they could not cancel the charge even though they knew it was inaccurate she then advised me to close my account and that it would take anywhere from one to three business days after they let the charge settle for the money to be returned into my account. I asked for my claim to be escalated because I could not wait that long for the money ( again, the account is overdrawn by over {$2000.00} ). I was transferred to an escalation representative who then told me the same thing that there was nothing they could do for me. About 4 hours later I called a different corporate Chase number had to tell my story to the operator on the phone to request to file a complaint she then transferred me to a supervisor and he told me that he could not help me and then I was in the wrong Department transferred me and then on hold there was over 20 minutes hold time. It was Friday just after noon when I got the alert. Presumably the charge would settle in the next day so I am meant to have my account in the negative until XXXX next week? That's XXXX days from today.
Consumer complaint received 2023-06-05
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. (TX)

, I would like to bring to your attention that the collection agency, COMMON WEALTH, is not licensed to collect debts in the state of Texas. Pursuant to XXXX XXXX XXXX XXXX, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.I know my rights and this is a violation of the HIPPA law.This is NOT a third party. I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt. 
.I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report.THANK YOU
Consumer complaint received 2023-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc. (TX)

Client Services was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect.

Neither provided no proof of the debt, but instead made a settlement options.

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
Consumer complaint received 2023-09-17
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. (FL)

RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via U.S.P.S priority mail, and received on XX/XX/XXXX  at XXXX XXXX XXXX XXXX, FL XXXX with provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for XXXX XXXX XXXX XXXX XXXX has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, XXXX, XXXX, and Equifax to no avail.