davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC (TX)

I had a loan with Good Leap for solar panels. I paid off the loan and they sent {$45.00} to a write off on this loan if that so then I should not have congratulations on paying off your loan letter. Then they had all these late payments, which I didnt. I spent hours and hours on the phone with them and months. This is been going on for over a year. They told me they were wrong. They were going to correct it and then they didnt then they said they never said that why would I pay over XXXX in debt and not pay the {$45.00} that they said I paid late. i have good credit Except for what they have put down
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Chase claim submitted and acknowledged by Chase in writing but they left me messages to call them and when I called they keep asking me for the same information stating " I need to provide them with the information ( I've already provided ) if I want to file a claim. '' They are stonewalling me using the process in a repetitive manner in an attempt to have a reason to drop my claim, for example, if I fail to return their call or if I don't keep providing them with the same information time and time again. 

I have called and returned a call to Chase. I went to the Branch which I provided proof the charge was false and later was called by Chase TO SUBMIT ALL THE INFORMATION AGAIN. Then the same day I was called to submit the same information again. Just today I was called again to submit the same information. 

This is harassment. I don't understand why if I call a bank and say someone stole my funds out of my checking account and provide details why I'm the one that has to keep proving I have a valid claim. I shouldn't have to prove anything but say they were not authorized to take my money and my money should be returned.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one closed my account due to unsatisfactory customer however they took away my ability to login to make a payment on my balance. The online statements were not viewable because I am denied access online to see my statement.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

Consumer Adjustment Company is trying to collect debt of {$550.00} that I am unaware of. 

My credit report says the debt originated from XXXX XXXX. I can only assume it's for a loan but I never took out a loan with XXXX XXXX.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also Discover detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (GA)

I recently procured and reviewed my credit reports from the credit agencies and noticed an inaccurate account listed on my report. I have provided proof under the doctrine of estoppel by silence, as cited in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and therefore presume that no evidence of the alleged debt exists. I hereby request immediate access to the signed disclosures that indicated I granted permission for these accounts. 

I require identification of any information necessary to investigate the disputed information. According to the Fair Credit Reporting Act ( FCRA ), Section 1681c, pertaining to the block of information resulting from identity theft, the only party a debtor is obligated to compensate is one who has suffered a financial injury, executed the original contract, or otherwise lent money. I am unfamiliar with CREDIT CORP SOLUTIONS , Inc. and have no contractual agreements with this entity or any entities from which they may have purchased debt.

My questions to CREDIT CORP SOLUTIONS , Inc. are as follows : Who are you? What loan are you claiming that I received? What evidence do you possess that substantiates this claim? What documentation are you providing? When did you allegedly come into possession of this account? When was this account allegedly created? How could you possibly have personal firsthand knowledge of any events concurrent with the alleged creation of this account? 

Typically, those initiating legal action ( case no. XXXX ) to collect debts are neither original lenders nor parties who have suffered financial injury. Under the conditions set forth by the Fair Debt Collection Practices Act ( FDCPA ), debt collectors do not possess the legal authority to employ remedies available only to creditors who originate loans, such as issuing notices of default, making assignments, or substituting trustees. Third-party debt collectors are limited to pursuing legal action in court for debts they claim are owed.

I question your capacity or standing to initiate legal action against me, and I deny that you are a creditor or anything other than a debt collector with no legitimate financial interest in this alleged contract and who has sustained no monetary harm related to it. Your claims are based on mere hearsay without firsthand, competent witness testimony to support your alleged facts. While debt collection is a legitimate business, debt collectors must adhere to stringent rules for their operations to be lawful.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Corp Solutions Inc. (TX)

I am writing to bring to your attention my ongoing efforts to resolve an issue of identity theft involving a debt that does not belong to me. I sent a certified letter to the creditors for the debt requesting the following information, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws : Debt validation, including proof that the debt belongs to me. 
A detailed list of payments made on the account. 
My signature on any agreement related to this debt. 
Any insurance claims associated with the debt. 
Proof of chain of title of the debt, as per XXXX XXXX XXXX. 
Despite following the correct procedures and citing my rights under the XXXX XXXX XXXX, I have not received a response from creditor 's within the timeframe required by law. Furthermore, I have contacted each credit bureau and requested the same information, again receiving no response within the legally mandated timeframe. 

To demonstrate that I am a victim of identity theft, I have enclosed copies of my identification, Social Security card, and the police report filed for this incident. These documents clearly indicate that the debt in question is fraudulent and does not pertain to me. 

I am seeking your assistance in resolving this matter promptly. Please investigate this issue and ensure that this creditor provides the necessary documentation to verify and correct this erroneous debt. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

I am writing to complaint to GM FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  are all in violation of several of my rights as a federally protected consumer. They are in violation of the Privacy Act of XXXX " Charge offs are considered certificates of Indebtedness. 
Certificates of Indebtedness are considered XXXX by the XXXX according to XXXX XXXX Publication XXXX. XXXX is not to be reported on consumer and credit reports. 
I would also like to point out XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX are in breach of their Fiduciary Duties to me by failing to send me my copy b of form XXXX among many other things such as transparency, good faith, disclosure, accounting and loyalty. 

In addition, they are violating XXXX XXXX XXXX, it is illegal to report transaction history. 

Furthermore, according to their own SEC filings under XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX # XXXX ) XXXX XXXX ( XXXX file # XXXX ) and XXXX XXXX ( XXXX file # XXXX ) agree they will not commit language fraud, however they failed to provide an open end credit card in compliance with the definition of open ended credit per XXXX XXXX XXXX.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

I am writing to complaint to DISCOVER BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (FL)

I spoke to a representative about this debt on XX/XX/XXXX. I notified the collector that I did not open this account. I am a victim of identity theft and I have been trying to get the police and other authorities to help me. When I checked my report on all three credit bureaus, I noticed several charges on my report. One of the charges that I notice was from Waypoint Resource Group ( XXXX XXXX ). I called this company to inquire about this debt because I did not open anything with this company. The representative stated that this account was opened in XXXX and closed in XX/XX/XXXX. The debt is in the amount of {$720.00}. She also gave me the address of the individual that opened the account XXXX XXXX XXXX XXXX  XXXX FL. I do not live at this address, and I had this address removed from my XXXX report. I have been living at the same address for over 10 years and the address on XXXX XXXX XXXXXXXX XXXX, XXXX FL is not my address. Please help me rectify this situation.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (WI)

Ally Bank does not protect your money -- beware! Extremely shady company with horrible customer service and communication Had money ( $ XXXX ) stolen from checking acct over period of several months. I requested fraud protection and immediate closure of account. Ally bank assured me this would occur. I called multiple times over period of weeks as more money was stolen from acct ( money that was returned to acct initially during fraud investigation ). they did nothing to prevent this and told me on numerous occasions that the account would be closed. It wasn't. When i finally heard back final verdict from fraud team ( months later, not within the resolution window they had initially promised ), they said that the stolen money transactions were valid ( after agreeing with me that some of them were fraudulent ). This makes absolutely no sense -- how could some, but not all, of the fraudulent transactions to a company i had never used before in a city i do not live in be legitimate? Furthermore, the bank refused to cooperate with the sheriff 's dept that was local to the area where the stolen money was being deposited. I submitted my legal documentation, case number, police contact info etc to the bank and they openly refused to speak with the detective investigating the case. 

Every time I call, the customer service agent seems to have little insight into the case but says things to the effect of " oh, I see that should have been done but I don't know why it wasn't ''. It is infuriating to hear Ally staff continue to admit their own failure but have no ability to make things right. It seems that nobody working for Ally has any idea how the company works. In an effort to cut out the middleman ( ie the bumbling customer service agents who have no idea what is going on or how to fix the account closure or fraud issues ) I requested to speak to the fraud department on multiple occasions. Unsurprisingly, they refuse to speak to customers. It is also impossible to speak with leadership/management. 

Currently looking into sending the dispute to arbitration and submitting complaints with regulatory agencies. I'm sure there must be lots of other folks who have had similar experiences.
Consumer complaint received 2024-06-26
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC. (SC)

I filed a lengthy School Misconduct application through Navient which was received on XX/XX/XXXX but denied yesterday XX/XX/XXXX. My denial letters for all 3 of my private loans were very vague as to why they were denied. I have included them in the attachments below. I attended The XXXX XXXX XXXX XXXX XXXX from XXXX and have been unable to obtain my official transcripts to further my career and education. 

On XX/XX/XXXX I received an email that the U.S. Department of Education has determined that my federal student loans I received to attend the XXXX XXXX were eligible for full discharge. The XXXX XXXX XXXX XXXX XXXXXXXX engaged in unlawful conduct and made pervasive and widespread substantial misrepresentations that borrowers such as myself relied on. 

This misconduct affected students who were enrolled at the XXXX XXXX from XX/XX/XXXX XX/XX/XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefit connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by the XXXX XXXX, XXXX has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at The XXXX XXXX during the period described above. I feel Navient should do the same for its borrowers. 

My Borrowers Defense application ( application # XXXX )
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

I looked at my XXXX credit report on XX/XX/year> and noticed that Self reported inaccurate information on my account. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) The late payments provided on my credit report are inaccurate. I do not owe this debt.
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MO)

XX/XX/year> my account was suspended when I tried to transfer my balance to my bank. This is MY only venmo account that Ive had for YEARS and Ive sent in the confirming documents to them but they wont release my account or give me my XXXX dollars back. 
Ive contacted them numerous times via message, email and call. Ive threatened to take action, and now I am filing a formal Complaint with many companies about this disgrace and dispicable behavior from a LARGE financial company. XXXX never do business with them again and will be warning everyone to keep their money out of venmo. I want my money back, as we have children and a vacation to go on for the XXXX of XXXX, we need groceries and gas. This is so much money and the company is making me wait for my own funds. It is not ethical to make someone wait for their own money.
Consumer complaint received 2024-05-24
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. (MI)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

CFPB In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have had a Home Depot card for 3 years which is run by Citi - who Ive had countless issues with on personal cards. I rarely use my HD card any longer and always check bank statements and payments along with making payments on their app. 
In XXXX or XXXX, I tried making a payment ( Im still unable to check my statements through the app ) and their entire system was down, for multiple days. After being unable to review my payments, statement not being able to review anything, I could not remember if I had owed anything on the card due to making purchases rarely on the card. Just a few days ago, I received a text informing me of a payment due. Again, I went to my app, and the price was steep, yet I was unable to view my statements to review any charges. Upon calling HD, the first rep removed XXXX of XXXX late fees which are incredibly excessive and together were more than what I owed. She could not remove the second fee so she transferred me. I had to state all my info again only to be told that it could not be removed by her either and was now transferred to a XXXX XXXX XXXX Customer service rep, only to be hung up on. I was on the phone for XXXX minutes. I called back and had to go through the process all over again but this time when I was transferred from the initial rep, this woman was horribly rude. She talked over me, refused to allow me to finish statements and was rudely sarcastic and intentionally slow to make a point that I had not spent enough time on the phone. She told me no one could remove the fee and there was nothing I could do. How terrible to inform a loyal customer that has spent XXXX of thousands with HD that I could do nothing. I told her I did not enjoy paying for errors of Citis and how they have collected millions on excessive late fees from customers. Since this is Citis error with their inability to design a working app and the inability to inform their customers that they May experience issues, I feel I should be fully compensated.