davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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: Freedom Mortgage Company (MD)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXXXXXX Maryland FCRA Laws Dear FREEDOM MTG, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws applicable in XXXX XXXXXXXX XXXX Maryland. 

It has unequivocally come to my attention that FREEDOM MTG has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Maryland state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX XXXX identity fraud laws underscore the severity of unauthorized access and misuse of personal information, adding another layer of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for FREEDOM MTG to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that FREEDOM MTG immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that FREEDOM MTG will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

I am writing to express my dissatisfaction RENTDEBT AUTOMATED COLLE with your recent attempt to collect a debt from me regarding my purported overdue balance of {$3100.00}, allegedly owed to XXXXXXXX XXXX XXXX XXXX. You are also in violation of 15 U.S. Code 1692e ( 10 ) False or Misleading Representations. Cease the reporting of the fraudulent items being reported immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have any contract with RENTDEBT AUTOMATED COLLE. These accounts are fraudulent and does not belong to me, I have attached a FTC report along with this document.I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. 
Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. The following account RENTDEBT AUTOMATED COLLE ( Original Creditor : XXXX XXXX XXXX XXXX  ). I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have any contract with RENTDEBT AUTOMATED COLLEXXXXImmediate Cease of reporting this alleged debt to any Credit Reporting Agency XXXX XXXX A formal apology from RENTDEBT AUTOMATED COLLE for the violation of my rights under the FDCPA. XXXXCompensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXXReimbursement of any legal fees incurred in addressing this matter.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

I opened my account XXXX  months ago and havent been able to access it but once since Ive had funds sent to it. This is ridiculous because they keep putting it on fraud alert although all my funds are in my account. They say one thing which is recorded and then say something else. Ive done everything they have asked of me and I still cant retrieve access. This is a loop Im running in just to access my own money.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

American Express XXXX $ Gift card being declined at multiple locations, but getting a charge of XXXX cents for no reason. Asked to refund the money, dont want to use it anymore as its being declined everywhere both ( instore and online ). Refused and didnt mention the reason.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/year>, I received an email from Wells Fargo notifying me that my credit card had been enrolled in XXXX ( I did not opt into this ). The email from Wells Fargo provides a link at XXXX XXXX XXXX to opt out on XXXX XXXX XXXXXXXX. In order to opt out, XXXX requires my email, and then requires that I enter my phone number. In the header, it states " By entering your mobile number, you consent to receive automated texts from XXXX, to any current or future mobile number associated with your financial accounts, each time you use the service. Message and data rates may apply. '' I do NOT consent to receive automated texts from XXXX, and there is no workaround, no way to remove my credit card from XXXX without " consenting '' to automated texts. 

Wells Fargo 's online access agreement at https : //www.wellsfargo.com/online-banking/online-access-agreement states " 10 ( e ). Right to Remove Your Wells Fargo Cards From XXXX ; Right to Opt-Out of XXXX XXXX XXXXXXXX of Access You have the right to remove your Wells Fargo XXXX XXXX XXXX. To the extent that you have cards from other financial institutions in XXXX, you understand that Wells Fargo can only remove your Wells Fargo cards from XXXX. You agree to notify us promptly if you want to remove your Wells Fargo cards from XXXX. To remove your Wells Fargo cards from XXXX, you XXXX call Wells Fargo XXXX Customer Service at XXXX for assistance, or if your cards appear in the Wells Fargo XXXX app for XXXX  you can remove them through our app. '' I called the number indicated and spoke to five ( 5 ) different Wells Fargo employees who all refused or insisted they were unable to opt me out or delete my card from XXXX.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NC)

XXXX XXXX I received a letter from a debt collector called Penn Credit which they are trying to charge me for a ticket citation that I paid in a court of law on XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX XXXX The amount was XXXX in which is wrong. The dollar amount of my fine from the judge was XXXX. They threatened that if I didnt pay XXXX may be in place and my registration would not be renewed. I called and informed them that this was paid. They said that they would put a dispute on it.Also I called the creditor listed on the letter XXXX XXXX XXXX XXXX since this was a XXXX XXXX XXXX I called them they informed me that a company called XXXX XXXX handled and send out all the information to the collection agency. I called them at XXXX on XXXX XXXX and informed them I paid the citation they said they had no records of me paying the citation and I would have to send them a copy of proof. I wrote a letter to Penn Credit and told them I dispute the collection letter and I sent them a letter I have from the court to prove that I paid it. I also sent the same proof to he XXXX XXXX XXXX in XXXX, VA. I want them to know I am not gon na be a victim and let them destroy my credit with this false information. The citation was paid because I was not gon na let my driving license get suspended. I informed them that I am filing a complaint against them because I do not want this to affect my credit. Please advise me what else I can do to protect myself from predators like this who target and take advantage of people. I am trying to keep my credit score up in good standards. Thank you very much.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

About late XXXX XXXX XXXX XXXX  USAA made a contract recorded online that if they cancelled my homeowners insurance, they would be liable for {>= $1,000,000}. The contract was in effect through XX/XX/year> and USAA cancelled the insurance without our consent in XX/XX/year>. They sent a check saying it was overpayment of insurance but that was a false statement as they had deposited our funds sent from XXXX XXXX XXXX XXXX XXXX account designated for insurance and USAA and XXXX confirmed the transaction in XXXX. Two months later, USAA sent a check dated XX/XX/year> with a false statement that it was " due to a credit balance on your mortgage billed policy. '' However, XXXX XXXX XXXX XXXX confirmed that it was for the homeowners insurance policy which they expected to be inforce based on the the late XXXX XXXX payment. The USAA check is enclosed. The amount shows {$2900.00} dated XX/XX/year> which is the same amount paid by XXXX to USAA about late XXXX few days of XX/XX/year> and confirmed received by USAA. 

In order to complete the contract, i indorsed the check on the back with deposit conditions that " Subject to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sum balance due is {$1.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' The front of the deposit check is clearly marked -it was in red ink- .private.special. deposit.entrust. and is visible in the check image. 

The amount was tendered for deposit subject to the payment of balance of XXXX XXXX XXXX and it was ACCEPTED by USAA and deposited ; however, USAA never paid the XXXX XXXX per contract recorded on the phone calls in XX/XX/year> and ACCEPTED by USAA by its deposit of the check with the conditions. 

USAA used US Mail to engage in unfair trade practice and financial crimes/ unauthorized conversion of funds sent by XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOUTHSTATE CORPORATION (FL)

I wrote a letter to Southstate bank pertaining to a 30 day late payment on my credit report. The payment was made XX/XX/XXXX XXXX your mobile app. It was an issue with your XXXX  which you provided to make the payments through. The payment was processed on my end. This is on you and I am filing a complaint with the XXXX, CFPB, ATG, and the FDIC for your fraudulent practices. After sending you my last correspondence you replied and said you are legally obligated to report late payments. Well you are also legally obligated to supply a working means of paying my bill therefore the payment failure was 00 % due to your equipment malfunctioning not due to anything on my part. These late payments are in clear violation of the Fair Credit Reporting Act, as it inaccurately reflects my payment history. As per the law, I request that you conduct a comprehensive review of their records to rectify this error promptly. It is imperative that you provide documented evidence supporting the validity of this late payment. Should you fail to provide such evidence, I demand that you update the late payment entry on my credit report accordingly. Failure to comply with this request will leave me no choice but to pursue legal action to ensure the accuracy of my credit report and protect my rights as a consumer. Your immediate attention to this matter is imperative. Nowhere in the FCRA does it state you must report a payment late when it's due to your own doing. 
I talked to them on the phone and spoke with 3 different reps. In my system it showed i owed one payment in their system they said it showed I owed two payments. I went in and tried to pay it even after this and It wouldnt even allow me to make one payment let alone a double payment. They were trouble shooting and i had to unload the app then reinstall it on my phone. I spoke with customer service and they put me in touch with their tech people and they told me i had to get in touch with the reporting dept and submit a request to have the 30 day late payment removed via email and it would be removed because it was on them and their system malfunctinoing as to why it was late. I did a follow up call after this and I was connected to a supervisor who told me they were expediting the request for it to be removed and that it could take 30 days for the removal. 
I have attached screenshots that proves the payment was made with confirmation. If my late payment isn't updated to paid as agreed I will pursue litigation via XXXX state and county court or Arbitration. I had spoke with XXXX on XX/XX/year> and she told me that this date was the ID and she was a supervisor they are violating the law. they are being abusive and unfair with their practices. they are causing severe financial harm and XXXX to me and my family with their abusive practices
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OK)

The collection is for XXXX XXXX XXXX using collection agency IC System in the amount of {$3400.00}. This collection was disputed on all three bureaus. It had an incorrect amount, incorrect date, and was showing as an open account instead of collection. It was removed from all three. It got put back on using a different collection agency. I talked to XXXX and they said to have the collection blocked so they cant keep putting it back on my report. So far it is only XXXX that it has reappeared. XXXX is disputing to have it removed again. 

Thank you XXXX XXXX
Consumer complaint received 2024-07-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

in XX/XX/year>, I discovered that XXXX XXXX and XXXX dollars had been stolen from my IRA account - XXXX XXXX from the checking account and XXXX XXXX dollars from the saving account of Chase Bank. 

I have been a customer of Chase bank for more than 10 years. 

1. At this time, fraudsters issued a XXXX credit card in my name without my participation 2. Scammers made illegal transactions using a fake XXXX credit card through the XXXX payment system, where I never registered
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

A merchant charged {$2500.00} to my credit card on XX/XX/XXXX. The merchant acknowledged on XX/XX/XXXX that they had saved our credit card and erroneously ran the credit card while promising a refund. I immediately notified Chase Credit Card of the unauthorized transaction and requested a new credit card as this merchant had been saving out credit card details without consent. 

Chase Bank closed the fraud investigation on XX/XX/XXXX without informing us. Subsequently, when we called them on XX/XX/XXXX, they suggested that this was not a fraud case but a dispute case. A dispute case was opened on XX/XX/XXXX but now the Bank is saying that is not a dispute case but a Fraud Case and therefore dispute case needs to be closed. 

It has been over 2 months. The Bank never reached out to me once and every interaction with the Bank is Pillar to Post between their 2 own departments who want to close cases but not help us for something we should not have been charged in the first place.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I'm contacting you regarding a collection entry from your agency on my credit file. This entry has come to my attention without prior notification, and I have significant concerns about the debt 's validity. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. I ask that you provide the necessary validation and take steps to resolve this issue.
Consumer complaint received 2024-07-22
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. (NJ)

LVNV Funding LLC has filed suit against me in court this month. Apparently I disputed the balance with the original creditor, and I know it was not resolved, I followed with disputing with XXXX and XXXX for unresolved and unidentified balances inflated with fees. This happened with multiple accounts simultaneously. In unison, all my creditors slashed my limits, making my utilization from 30 % to 98 %. All my accounts followed suit. Some were resolved, many just ignored, closed, and charged-off. Some debts were sold. The amount charged does not accurately match any of these closed accounts, with balances unresolved and closed, prohibited future payments i could make. 
So I am blindsighted by these unknown debts I cant verify, or address the disputed charges never corrected by the bank. These people blatantly ignore my requests. My credit report disputes were ineffective, with the collector informing them of litigation to substantiate the debt, months ago. I am still waiting to be formally contacted and cooperated with. As far as I know, this is just extortion. 
Additionally, I am obstructed from matching the debt to a closed account because the balance is new. Furthermore, they report every 14 days, and increase my balance anywhere from $ XXXX {$15.00}, padding interest they are legally prohibited from collecting in New Jersey XXXX 
These accounts I was working with during Covid. Good faith payments are hidden in the reports, and prove additional discrepancies in the validity of this debt. 
The bank wouldnt correct their errors. They reduced my limit and closed the account. Only from the legal papers filed, can I see this debt was sold twice. XX/XX/year> the bank sold it, and the same day the purchaser also sold it, to a 3rd owner, who reported me immediately to collections, never responded to my requests or validated anthing in my disputes. 
Exactly 6 months later they have filed suit against me for this debt they continue to inflate bi-weekly, without any legal repercussions. 
I cant afford an attorney. The consumer protection has failed me as Im being destroyed financially. My credit was XXXX, down to XXXX in a few months. 
I cant get the information I am required to be given without asking. I cant verify the debt, and I can only prove its inflated. This is criminal. One company has 7 debts reported against me and I cant even identify the account. 
Please help!
Consumer complaint received 2024-07-22
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: BARCLAYS BANK DELAWARE (CA)

Barclays Bank Delaware via XXXX. 

XX/XX/year> I didn't authorize XXXX to send Barclays a request for a credit card. 

I would like the hard inquiry removed from my XXXX report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION LLC CUSTOMER SOCIAL SECURITY NUMBER XXXX CUSTOMER DATE OF BIRTH XX/XX/scrub>XXXX CUSTOMER NAME XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

On XX/XX/XXXX I emailed the XXXX XXXX XXXX XXXX my legal residence application to change my legal residence to my current address XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX approved my change from 6 % to 4 %. On XX/XX/XXXX the mortgage company told me it wasn't approved so I have gone back and forth with Penny MaXXXX and the tax office on these dates- XX/XX/XXXX, XX/XX/XXXX. Penny mac needed the exact amount of what the dollar amount would need to be from the tax office, I lost a lot of trust in PennyMac, don't they have people that specialize in this? On XX/XX/XXXX I was told by penny mac I would get a refund and my payment would be lower. None of this has happened yet.