davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: I.C. System, Inc. (MI)

Hello. I work in the mortgage industry and it was brought to my attention that several of my state licenses are in jeopardy from a collection that showed up on my credit report recently. Were it not for this credit report, I would not have known about the existence of this debt at all. I haven't had any communication from XXXX about the debt and no collector has made any attempts to make it known to me I owe the debt either. I called XXXX via this number XXXX. This number actually forwards you to another company " IC systems ''. So XXXX is not willing to really speak about the debt directly. The account number on my credit report is XXXX. 

I spoke with IC systems via this automatic transfer I did not ask for. They explained that the debt was from XXXXXXXX XXXX XXXX and that two notifications were sent about the debt but not until XX/XX/XXXX and XX/XX/XXXX. I did not receive any communication from either company via mail or otherwise. When speaking to IC systems, they didn't really have an answer for how I owed the debt or what it specifically was for. They basically just kept pivoting to trying to collect a payment instead of providing evidence for the debt or showing how it came to be. According to them as of today the deb is {$800.00} plus an additional " collection fee '' of XXXX for a total of {$880.00} owed on the debt. 

I got the relevant information to place a complaint with the corresponding attorney general which appears to be NJ as IC systems is based there. IC systems declined to share the mailing address for themselves or XXXX and did not explain what to do if I didn't think its my debt. I also was never given any debt collection rights, including the right to get information about the original creditor within 30 days of getting validation information from the collector. 

Then today on XX/XX/XXXX as well, I called XXXXXXXX XXXX  general customer service line. They were unable to confirm I had any outstanding debt or balance with them at all. In fact the representative said " they can't see anything '' in relations to the account number XXXX. According to XXXX, the debt actually doesn't exist so I'm very skeptical of this IC systems company attempting to collect this made up debt. There is no proof of this debt, how it came to be or where it stems from.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (VA)

Sunday XX/XX/XXXX - someone stole my wallet with all of my cards and ID. 
Monday XX/XX/XXXX- went to TD Branch in XXXX XXXX  and reported card as lost/stolen. I was issued a new card. 
I was by TD bank told to not report any suspicious transactions until " posted '' to the account. 

I reported a fraudulent transaction dated XX/XX/XXXX that did not post until XX/XX/XXXX as a dispute claim. I reported this promptly and had alerted TD Bank to this on XX/XX/XXXX. 

Merchant XXXX XXXX XXXX for {$190.00} TD Bank sent me a letter dated XX/XX/XXXX saying they will not credit my account. 

Absolutely outrageous. I followed all the steps and reported this immediately.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NM)

Jefferson Capital Systems LLC calls me every day for the last 10 years to collect a debt owed by XXXX XXXX. I do not know who she is except that she had this phone number before me. I got this phone number XXXX years ago and I have told the caller over and over XXXX XXXX is not at this phone number. I have called their number back and told them XXXX XXXX is not here and is not me. I have blocked their phone number on my cell phone but they are still able to reach my voice mail and leave me a message. they do this every day. i can't get my normal voice mails because they fill my mail box with their messages. their phone number is XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC. (CT)

I am a victim of identity fraud, my social and id have been stolen and fraudulent accounts have been opened and cards used in my name. I have an FBI agent working on this case, along with XXXX PD. I have filed an FTC report because of all this. I will file a complaint with the Consumer finance protection bureau if these fraudulent accounts are not removed immediately and blocked. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC. (CT)

I am a victim of identity fraud, my social and id have been stolen and fraudulent accounts have been opened and cards used in my name. I have an FBI agent working on this case, along with XXXX PD. I have filed an FTC report because of all this. I will file a complaint with the Consumer finance protection bureau if these fraudulent accounts are not removed immediately and blocked. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CT)

I was using my credit card to pay for parking with an online parking app. My credit card information was stolen in the process and a fradulent charge was made. The credit card company, US Bank, suspended usage on that card and sent me a new card. A week later I tried to use the new card, but the charge did not go through. I called US Bank and the customer service person informed me the account was closed, but couldn't or wouldn't tell me why. I then asked to have my rewards balance of {$600.00} sent to me. The customer service person transfered me to the verifications department. This customer service person told me the account is closed and could not give me my awards balance. I asked why and the response was " I am not authorized to give you that information ''. I asked who can give me this information. She gave me an address to write to. A XXXX XXXX XXXX I wrote a letter and sent it to the address XXXX weeks ago and have not received a response.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (NY)

On XXXX XXXX I ordered two box springs from XXXX XXXX for {$190.00}, the money was immediately taken from my account. On the day of supposedly delivery I never got my items even though I paid for it, I reach out to XXXX and inform them, they said wait. I waited nothing happened so I reached out to Chime to try and get a refund back they made me wait. I had to reach out to the XXXX XXXX XXXX and file a complaint against XXXX, Ive a email from XXXX stating XXXX never reached out to back out to them about my situation. I also ordered a hoodie online from XXXX clothing line, the hoodie was {$70.00} they took the money for that was on XXXX XXXX. I reach out to both the lender and Chime nothing happened. I never received my money for both transactions
Consumer complaint received 2024-10-03
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: Exeter Finance, LLC. (FL)

Hard inquiries on my credit report of accounts I do not own. I did not authorize any inquiries from these compnies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

XX/XX/scrub>XX/XX/24 I was scammed. I made a wrong phone number ( thought it as XXXX ) and was fed a story about cybercoin and tracing transactions. They had me download XXXX asst and from there they had access to every thin in/on my phone. I do not bank on my phone, they used pay pal. Im on SS and saw my most recent payment disappear. They had me. They emptied my bank account and had me send money back to my son and he sent it to me. My husband came home and figured it was a scam and had me hang up. I filed a police report the next morning. I went to my bank that morning and discovered they had stolen all my savings, thru my overdraft protection. Bank filed fraud charges and forced PP to refund most of the money. I was lucky. But there is an international transaction where they withdrew the funds. Pay Pal deducted that money from my sons acct. he has season tickets which he sells for games he can not attend. So he had Pay Pal funds. I got nothing and they ( PP ) refuse my requests for help. They know it was fraud. I uploaded my police report still no help. Yesterday I tried once again. I got a reply with someone elses name! That was enough for me to know that they are unsafe..
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TX)

I have been a victim of identity theft, in which my navy federal account was compromised due to fraud. I have tried to reconcile with navy federal numerous of times but have not got a fair decision. I included a police report prior and am now also including a FTC report. Please dismiss this account so that I can continue doing business properly as I was prior to my identity being stolen.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Good morning, This morning I checked my USAA account as usual. To my surprise, there is a loan for over {$19000.00} that I never requested. I have no knowledge of how USAA gave us this loan nor did I request this loan whatsoever. Please investigate. Thank you.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/year> Re : Debt Validation Request I am writing to you in response to a notice I received regarding an alleged debt claimed to be owed by me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. Please provide the following information : 1. **The amount of the debt** : A complete breakdown of the amount owed, including any fees, interest, and principal balance.

2. **The name of the original creditor** : The name and address of the original creditor to whom this debt is owed.

3. **Verification that I owe the debt** : Documentation that verifies I have a contractual obligation to pay this debt, such as a copy of the original signed contract.

4. **Details of the debt assignment** : Proof that your company has the right to collect this debt, including documentation showing the chain of assignment of this debt from the original creditor to your company. 

Until you provide the requested validation, I am disputing this debt and requesting that you cease all collection activities in compliance with the FDCPA. Furthermore, please note that any attempt to report this debt to credit bureaus without proper validation is a violation of federal law and my rights under the FDCPA. 

I request that all future communication regarding this matter be done in writing. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AL)

My card got declined for a few transactions. 

Called in the customer support rep for more than 10 times on XX/XX/year>. 
Got placed on hold multiple times for more than 5minutes.

One of them went to the point of verifying the declined transactions. 
But they have very bad XXXX seems to have been hired in XXXX or XXXX. 

I am stuck with this card now and the window to do transactions for a bonus offer is ending soon.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

am writing regarding an issue encountered while attempting to open a new checking account. 
I was surprised to learn of adverse entries on my ( XXXX or XXXX XXXX ) record. 
Throughout my financial history, I have consistently strived to maintain a positive standing, and to my knowledge, I have no record of insufficient funds or any other circumstances that would warrant such negative remarks. 
In light of this situation, I kindly request a detailed copy of my ( XXXX or XXXX XXXX ) report to verify its accuracy. This request is in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which entities consumers to access all information in their file upon request. 
Furthermore, I wish to dispute the negative entries mentioned. As outlined in Section 611 of the FCRA, 15 U.S.C. 16811, I am entitled to challenge the accuracy or completeness of any information in my file. If discrepancies are found, I request a prompt investigation and correction, along with an updated copy of my ( XXXX or XXXX XXXX ) report.
Consumer complaint received 2024-10-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

My ssn was stolen by XXXX XXXX Ive never taken out any payday loans. I have a credit builder loan with my bank that I pay off and renew every 6 months. I want this removed
Consumer complaint received 2024-10-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Hello there, I hope this message finds you well. I am writing to you regarding my Private Student Loans, currently held by Navient Services LLC. You see, I am a member of the XXXX  " group in the XXXX XXXX XXXX  Class Action Lawsuit, against my found guilty predatory lending and for profit college XXXX XXXX XXXX XXXX XXXX As a member of the XXXX ' group, my Federal Loans are to be discharge and completely removed from my credit file and any funds paid for the life and any federal loan, repaid/refunded to me. This is still an ongoing class action lawsuit and I am still awaiting my full refund. In the meantime, I have been trying to work with Navient to get my Private Loans from the same school fully discharged and removed from my credit but they have been unwilling to budge. I have been asking for an application that they offer for 'School Misconduct Discharge ' and I have been told that I do not qualify because my loans were consolidated. This seems very unreasonable and I can see no reason as to which my Private Loans should NOT be fully discharged and removed from my credit, seeing that my Federal Loans have already been discharged. I have attached my full application and response back from Navient that they did not even bother to read and or process my application and requested supporting documentation.
Consumer complaint received 2024-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

I contacted CENTRAL PORTFOLIO via phone and requested that they send all information regarding the debt with proof of my identification and signature and nothing was provided. I disputed the debt as it violates my rights and this is fraudulent I want it removed from my credit report immediately. Ive never been to XXXX XXXX I have XXXX XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I happened to look at my XXXX XXXX  app and noticed the debt collection. Which is {$590.00}. the account or creditor is Franklin Service Inc. it says it was opened on XX/XX/XXXX. Also says last reported XX/XX/XXXX. I have no idea or anything about this " debt ''. I know it's wrong and not right. Franklin Service Inc is the company that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sounds like This was my last paycheck maybe. Has to be because I no longer work for them and I don't owe.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Dear Sir or Madam, My name is XXXX XXXX, and I was declared a 100 % XXXX XXXX XXXX XXXX Veteran by the US Department of Veterans Affairs. This declaration was official in XX/XX/year>. I have also been declared TAX EXEMPT on my property since XX/XX/year> by the State of Florida. That said, Mr Cooper ( my home mortgage provider ) has since continued charging me for real estate taxes on my home DESPITE the fact that I have provided them with official documents from the US Department of Veterans Affairs, State of Florida, and XXXX XXXX XXXX Tax Office. I need you to please get Mr Cooper to STOP charging me XXXX dollars a month in taxes on my home, and to refund the approximately XXXX dollars they have WRONGFULLY taken from me over the past year. I will share any documents you need from the Deaprtment of Veterans Affairs and the State of Florida. Thank you for your time and help with this urgent matter. XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Mr. Cooper Group Inc. (NC)

XXXX XXXX XXXX XXXX XXXX my mortgage loan was released by XXXX but a company names XXXX started sending letters i was making voluntary payments to XXXX my payments had gotten lost during bankruptcy so this XXXX talked me into a modification said if i didnt they could foreclose, since i have faught with different companies sending my letter from my court documents on release of property lien i still have the proof now this loan has went to nationstar to rushmore to mr cooper an back to rushmore now rushmore has been sent the release papers from my bankruptcy but continues with threats of forecloser an this forced hazard insurance that goes against the original contract that was released in the bankruptcy i have my letter like i said for proof also if it was sold out to a 3rd party a collection place i want to know how and why mr cooper sent a letter to my local tax collector not rushmore i have proof of that also this situation has stressed me out to point of XXXX XXXX I am in process of finding help
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

I am writing to formally dispute inaccurate information regarding a debt that has been reported on my credit file. I request that you immediately investigate and remove this information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I have identified that a debt related to the above account has been inaccurately reported on my credit file. Upon review, I requested proof of the debt assignment from the debt collector, AWA COLLECTIONS, as provided by my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which states that a debt collector must validate the debt if requested within 30 days.

Despite my request, AWA COLLECTIONS has failed to provide any valid documentation or proof of debt assignment from the original creditor or any agreement to assign this debt. As they have failed to substantiate their claim, I am requesting that you immediately remove this account from my credit report as required by both the FCRA ( 15 U.S.C. 1681i ) and the FDCPA.

Legal Basis for Removal : Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease collection activities and can not report the debt to the credit bureaus if they fail to validate the debt upon request. Additionally, the Fair Credit Reporting Act ( FCRA ) requires that any information on my credit report that can not be substantiated or validated be removed if it is found to be inaccurate.

Given the lack of proof of debt assignment from the collector, I am asserting that the reported information is inaccurate and must be removed from my credit file. Furthermore, the FCRA obligates credit reporting agencies to correct or remove any disputed information that is found to be inaccurate after investigation.

If you require any further information from me to assist with your investigation, please do not hesitate to contact me at the above-listed phone number or email.

Thank you for your attention to this matter. I look forward to your prompt resolution.