davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

this debt that this company has me down as owed is fraud I did not make any purchase nor did I use the account in question .the amount owed is not valid nor is this account.please help me resolve this .please help me to get this off my credit
Consumer complaint received 2024-08-15
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)

XXXXSubject : Violation of Federally Protected Consumer Rights Under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) ** To Whom It May Concern, I am writing to formally notify you that the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : - XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX According to 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy. Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions of crimes, that predates the report by more than XXXX years. 

Finally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is prohibited for any person to furnish 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. 

I request that you immediately investigate this matter and take appropriate corrective action. Please provide me with written confirmation of your actions within 30 days of the date of this letter. If these violations are not promptly resolved, I will consider further legal action to protect my rights. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-24
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you that your company has failed to provide adequate notice in accordance with 15 USC 1602 ( k ). Specifically, your company did not clearly and conspicuously disclose the pertinent facts of this transaction. Furthermore, you did not inform me about the cost of credit, and the only evidence of indebtedness provided was a computer-generated agreement.

Under 15 USC 1602 ( k ), " adequate notice '' is defined as a printed notice to a cardholder that clearly and conspicuously sets forth the pertinent facts so that a person against whom it is to operate could reasonably be expected to notice and understand its meaning. This notice can be given by printing it on any credit card, on each periodic statement of account, or by any other means that reasonably assure receipt by the cardholder. 

Due to the lack of adequate notice as required by this statute, I was unable to understand the terms, which constitutes a violation under 15 USC 1602 ( k ).

Additionally, according to 15 USC 1601 ( a ), consumers must be made aware of the cost of transactions. Because I was not informed, I made an uninformed decision, resulting in multiple billing errors and unfair credit card practices.

Moreover, I have not benefited from this transaction, which constitutes a violation of 15 USC 1602 ( p ). Under 15 USC 1602 ( p ), " unauthorized use '' means the use of a credit card by a person other than the cardholder without actual, implied, or apparent authority, from which the cardholder receives no benefit. 

In light of these violations, I request the following actions : DELETE THESE ACCOUNTS OFF OF MY REPORT AND VALIDATE THE DEBT 15USC 1692G ( XXXX XXXX XXXX XXXX XXXX XXXXOPPLNS XXXX If my requests are honored, I will refrain from escalating this matter to federal court. However, if my requests are not met, I will pursue legal action against your company for compensatory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I had to open an account with chase bank back in XX/XX/XXXX, I EXPLAINED TO CHASE WHY I NEEDED A NEW ACCOUNT I HAD IDENTY THEFT PROBLEMS few months earlier that are not resolved & THAT IM CONCERNED FOR ACCOUNT SECURITY, I IMMEDIATELY HAD AN ISSUE WITH MY ACCOUNT I WAS GIVEN AN APOLOGY & AND NEW CARD WAS ISDUED I REQUESTED MY INFORMATION BE KEPT PRIVATE & PROTECTED WITH A NEW ACCOUNT NUMBER WHICH IT WAS NOT APPROVED? XXXX FORWARD I experienced more misinformation & QUESTIONABLE TRANACTIONS MADE WITH A TEMP CARD? WHICH WERE RESOLVED IN XX/XX/XXXX I WENT TO MAKE A CASH DEPOSIT INTO ATM & EVERY ATTEMPT I WIUKD RECEIVE AN ERROR MESSAGE TRANACTION NOT ALLOWED THEN I CALLED THE CUSTOMER SERVICE THE FOLLOWING DAY BECAUSE THEY WERE CLOSED THAT NIGHT WHEN I WAS ATTEMPTING TO MAKE A DEPOSIT. THE DEPOSIT WAS {$300.00} CASH IT WAS IMPORTANT TO KERP MY ACCOUNT FROM GOING NEGATIVE! WHEN I CONTACTED CHASE CUSTOMER SERVICE THEY INFORMED ME THEY DIDNT HAVE ANY INFORMATION TO WHY I WAS HAVING A PROBLEM WITH MY ACCOUNT THEY SUGGESTED TO GO INTO THE BRANCH, I WENT TO THE BRANCH TO MAKE A DEPOSIT AND YHEY COULD NOT TAKE MY DEPOSIT & THEY DIDNT HAVE SN ANSWER TO GIVE ME! SO I CALLED SEVERAL ORHER DEPARTMENTS CONCERNED ABOUT MY ACCOUNT WITH NO ANSWER TO WHY I COULD NOT MAKE DEPOSITS. I FINALLY RECEIVED INFORMATION MY ACCOUNT WAS CLOSED? I ASKED WHY I WAS TOLD IT HAD A NEGATIVE BALANCE FOR MORE THAN 60 days?? NEWS TO ME!! I USED MY ACCOUNT UP UNTIL XX/XX/XXXX IT WAS CLOSED ON XX/XX/XXXX? XXXX DAYS LATER I STILL DONT UNDERSTAND ONLY BECAUSE THE REASON I COULD NOT MAKE A DEPOSIT IT WAS BECAUSE MY ACCOUNT WAS ALREADY CLOSED & AND I WAS NOT INFORMED!! NOW TODAY I SPOKE TO A XXXX VERY RUDE IN THE RESTRICTIONS DEPARTMENT WHICH INFORMED ME THAT MY ACCOUNT WAS CLOSED OVER A DISPUTE?? I ASKED FOR MORE INFORMATION & DOCUMENTS TO CALIBRATE THE INFORMATION? I SAID MY ACVOUNT WAS CLOSED OVER A FRUAD DISPUTE ON MY ACCOUNT THAT I REQUESTED BE DISPUTED? I SAID YOU MAKING ZERO SENSE BECAUSE THE DISPUTES WERE MADE IN XXXX & THEY DID NOT MAKE A DECISION ON THESE DISPUTES UNTIL XX/XX/XXXX? ATTACHED ARE THE STATEMENTS FROM MY ACCOUNT SHOWING THE INFORMATION. I ALSO WAS TOLD THAT I PAY THE AMOUNT CHARGED OFF I WOULD ESTABLISH MY CHASE ACCOUNT? THE RUDE WOMAN IN THE RESTRICTIONS DEPARTMENT SAID I COULD NOT HAVE AN ACCOUNT WITH CHASE AGAIN!!?? I SAID WHY WOULD THIS DECISION BE MADE XXXX A DISPUTE? SHE HAD NO ANSWERS NO TIMELINE NO REAL INFORMATION!??? I WOULD LOVE AN EXPLANATION PLEASE THE TRUTH!!!
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (NY)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint against CAVALRY PORTFOLIO SERVIC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CAVALRY PORTFOLIO SERVIC for egregious violations of my consumer rights, as protected by the consumer Financial Protection Act. It has come to my attention that CAVALRY PORTFOLIO SERVIC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alledge debt. I hereby declare my revocation of all communication channels withCAVALRY PORTFOLIO SERVIC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair CreditReporting Act ( FCRA ), i am formalyrequestingthat CAVALRY PORTFOLIO SERVIC provide a purchase orderagreement between them and the original creditor. I am particularlyconcerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If CAVALRY PORTFOLIO SERVIC is unable to produce this documentation, i demand the immediate deletion of the account from my credit report. The date on my consumer report indicating that i opened an account with CAVALRY PORTFOLIO SERVIC is balantly false. I neither received any services or products from CAVALRY PORTFOLIO SERVIC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infriges upon my cosumer rights. Moreover, it has come to my attention that CAVALRY PORTFOLIO SERVIC is not licensed or bonded to collect debt in my juridiction .This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. The actions of CAVALRY PORTFOLIO SERVIC constitue clear violations of the 12 CFR 1006.34 ( d ), 12CFR 1006.34 ( c ) ( 4 ) ( i ), 12CFR 1006.34 ( b ) ( 5 ), and 15 USC1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and i trust The Consumer Financial Protection Bureau will thoroughly investigate and adress these infractions. Please keep me informed about the progress of this complaint, and i appreciate your attention.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diverse Funding Associates LLC (GA)

Upon examining my credit report, I identified an unfamiliar account ( DNF Associates XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific to this account. Regrettably, DNF Associates has neglected to respond to my letter that was received on XX/XX/2023. Per the FCRA a creditor has 30 days to respond or the account must be removed. This is a violation of my rights. I have attached the letter sent and the proof of delivery.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Several complaints have been filed against Rushmore Loan Management Services regarding a alleged modification that was done on my deceased father 's loan. 

This loan that they are using to foreclose on the home never passed the trail modification and Rushmore and the previous servicer XXXX Mortgage have been refusing to put the loan back to its original state. 

Rushmore and XXXX mortgage are reporting false information on this loan that can be proven with the original documents from the previous servicers XXXX and XXXX but they are refusing to give me the documents that I am requesting from the original servicers XXXX and XXXX. 

Also, after the last complaint filed with you Rushmore is refusing to give me information about the loan because they have changed me from a borrower to a successor of interest and trying to force me to sign a document to accept the changes. 

Again I have spoken to XXXX XXXX and XXXX yesterday who said that when they transferred the loan to Rushmore I was a borrower who assumed the loan since 2008 I am about to apply for another modification but I was informed that they will reject the funds from HAF because THEY say that I am a successor of interest. This makes me uncomfortable because this is the last modification I can do and the funds must be applied. 

I am filing this again because Rushmore refuses to comply with providing with the documents that I am requesting from the lockbox and they have changed my role from a borrower to successor of interest which is not correct.
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAW OFFICE OF HALL AND ASSOCIATES (GA)

This debt was filled XX/XX/year> at XXXX XXXX XXXX for the amount of {$1700.00} Filing number XXXX by Hall and Associates XXXX, # XXXX XXXX XXXX This debt is over 10 years old and has expired According to the Tennessee law they can't continue to resolve the debt from me. I was like to get a letter from Hall and Associates that my debt has been released and that I no longer owe this debt of my credit report
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/year>, I received a notification from XXXX XXXX XXXX and from XXXX that my credit score changed. 

I checked my credit report and found an unauthorized hard inquiry from Bank of America ( BK OF AMER ) for a bank credit card. This inquiry caused my credit score to fall by XXXX points. I called Bank of America and disputed the inquiry since I did not request any credit card from them and I have no accounts with them. They said they saw suspicious activity under my name, but no account was opened. Bank of America created case ID XXXX for my dispute. They said they will send a letter informing XXXX and myself that the hard inquiry is disputed. I also called XXXX and they instructed me to file this identity theft report.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XXXX. 
{$700.00} I called Wells Fargo to let them know of a charge I never authorized. They ended up working with me and giving me my amount then months later reversed my payment. Nobody at Wells Fargo is letting me know why my case was denied they keep hanging up the phone and not picking up. I need help.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Disputed an unauthorized transactionthey legally have up to 10 business days to give me a response or issue a provisional credit to my accountthat has not been donethey have been contacted multiple times. This is an issue with venmo
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc. (NY)

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

-- -- -TransUnion -- -- - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX -- -- -XXXX -- -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- -- -XXXX  -- -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO Bank, N.A. (CA)

In the month of XX/XX/XXXX, I had notified BMO banking regarding two of my credit cards I had with them that I was unable to make payments towards due to a divorce that left me in a financial hardship. I also advised the company that it would take me at least a couple months before I was able to pay it down. The company then sent me to collections for both credit cards and closed my accounts without any warning or final notices to notify me. Due to them closing my accounts my XXXX XXXX jumped from XXXX to XXXX. I spoke with the collections company and they were no help either advising that I would have to reach out to BMO directly as they were the company that sent the debt to collections. Once I unexpectedly found out that both cards were closed out, I reached out to a few family and friends who work in the banking industry and they advised that by law banks are supposed to offer their clients a financial assist program along with notify them ahead of time before sending their accounts straight to collections. I also spoke with the collections department on XX/XX/XXXX regarding the letters they continuously kept sending me that werent supposed to be sent out to me once back payments were made. I made payments towards BMO banking directly towards the XXXX credit cards. The first payment was made on XX/XX/XXXX on the platinum rewards credit card in the amount of {$820.00} which includes late fees. I also made another payment on the same day XX/XX/XXXX towards the cash back credit card in the amount of {$600.00} that also includes late fees. I was advised by BMO banking that once I made payments towards the cards I would no longer be receiving any notices from collections. Once payments were made I called BMO banking back to advise of the payments that were made. The representative I spoke to also advised that she was documenting everything including a complaint I made through them directly. With the complaints that were made and the several calls I made the issue I was having never got resolved nor were any help. I also advised the representative that both cards would be completely paid off by end of XX/XX/XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.