davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TX)

Received a phone call today from XXXX Pre Litigation services explaining to me I was being sued for a debt from 2008, I asked for proof of the debt in writing, I was given a email with generic information for a company that I don't even remember having a credit card from. I was then told I could settle today and if I didn't settle I would be going to court. I explained I needed to actually investigate the debt and have been given XXXX hours to investigate and then after they would move forward with serving me a law suit. They had my address yet wanted to give me only today to pay a settlement that I honestly don't remember, in 2008 I was XXXX to XXXX so I have no idea about this debt as I have never seen this on my credit report.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My address and name information were incorrect and mixed with someone else for Experian credit report. There were many addressees provided where I never lived. Also, some of the credit information provided was not mine at all. 

Report inaccurately mentioned about a criminal record searched on XXXX XX/XX/XXXX, from Georgia Bureau of Investigation for period of XX/XX/XXXX to XX/XX/XXXX, completed on XX/XX/XXXX. I am not aware of any record. Attached is the screenshot showing the
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IN)

This year I opened up a BMO banking account I opened checking and savings. I wanted to use this acocunt mainly for saving money. One morning while trying to log into my online banking the system kept showing error saying my info wasnt recognized. After calling serval times to ask about account I was just told it was under review and I wouldnt have access to the account meanwhile. I did my best to be patient about the situation because I understand as a bank they have to do their due diligence and review accounts. I kept calling me asking is theres anything information or anything I could cooperate with since I did have money in the account which I needed to access to pay my rent. All the funds primarily came from my employer only which is the only source of income I have but my other account is with XXXX so I told them I could provide them with statements from my other bank to show where the money is coming from. A few weeks later I got a letter saying to contact the fraud department because they were trying to reach out to me because of a few transaction. I called the number but only to be told my account is closed. I respect BMO decision to close my account because I know that as a bank they have the right to end relationship. I called and asked what would happen know only to get a different answer each time. I even went into a branch to see if a banker could help me. Every single time I get a different answer Im only really concerned on getting the funds that are in my account but anytime I call they cant disclose to me any info regarding my account even when I let them know I was signed up to paperless statements but I cant access them because Ive lost access to my online banking. There wasnt much funds in the account at most its around {$400.00}. I know it might not be a lot of money to some but to me it is. Everytime I speak with a representative Im always super nice and patient but they all seem to be in a bad mood or unwilling to help me. I know the funds left in the account with be given to me in a cashiers checks but its already been 9 weeks since the account got officially closed but the last time I actually had access to the account was XX/XX/2024.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

This request is made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 12 CFR 1006.34 ( c ), which requires debt collectors to provide information about the purchase or assignment of a debt. If they can not validate the debt you can not collect on the debt and it is inaccurate reporting on my consumer report and this agency will be in violation with the FDCPA. 
THE LAW CLEARLY STATES A DEBT COLLECTION AGENCY CAN NOT REPORT UNVALIDATED INFORMATION AND A DEBT COLLECTOR MUST CEASE ALL DEBT COLLECTION ACTIVITIES INCLUDING REPORTING THE ITEM TO A CONSUMER REPORTING AGENCY WHICH IS A FORM OF COLLECTION UNTIL THE DEBT CAN BE VALIDATED
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

MIDLAND CREDIT MANAGEMENT has failed to validate an " alleged '' debt in the amount of {$390.00}. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX 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 an account without my written instructions. 
This account is fraudulent account, I do not open account with this creditor.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

My loans are now discharged under Sweet v Cardona settlement but I want to give in writing some of the issues I had with Navient through the 18 years they serviced my loans. First of all they never notified me to annually recertify my enrollment on XXXX, also after years of been on XXXX they advised me to apply for forbearance but never told me that by apply to forbearance I was going to be kicked out of XXXX and I had to start over. I have couple of student loans with different monthly payments, when i made the payments I meant to cover all loans but Navient misallocated the payments, I paid XXXX to Navient. The list of misleadings from Navient are a lot, I will need couple of pages but I am just writing the most significants, all the issues I had with them means 18 years of my life making payments to Navient to receive a really bad service and lack of consideration to the bo
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-08
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX  XXXX # XXXX
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

On XX/XX/XXXX I went to the bank branch and made an international wire transfer to the company called XXXX, in XXXX in the amount of {$47000.00}. 
The seller did not receive the money, so I went back to the branch on XX/XX/XXXX and I requested an amendment to the wire transfer to include the recipient 's bank account number in XXXX. Reference XXXX XXXXXXXX The beneficiary has not yet received the money, And I have already contacted the Wells Fargo Customer Service, the banker who made the wiretranser on XX/XX/XXXX, the banker who made the amendment on XX/XX/XXXX and the destination bank. Without success. Nobody knows anything, nobody has any information to tell me. 

I'm tired, I can't stand searching for information without success anymore. I'm not asking the Bank for any favors. It's your obligation to serve the customer, because you get paid to do so. 

I asked, for the last time on XX/XX/XXXX, that bank update me on the status of my amendment request and that you provide me with a copy of the swift message so that the recipient bank can find the money and credit it to the final recipient 's account. 

Noting was done and the seller still without the funds.
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I tried to call pro collect about a debt and tried getting the amount I owed to some apartments back in XXXX  they claim they mailed me something but I never got none of their correspondence in the mail because I moved XXXX attempted to atleast settled but they claim they dont do settlements ..I never received a debt verification of any kind
Consumer complaint received 2024-09-11
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 (WI)

On XX/XX/XXXX my friend sent {$400.00} for me to give to my son for an upcoming performance. 
Immediately PayPal transferred {$300.00} of it to my bank and withheld {$100.00}. They have blocked my account and refuse to allow me to transfer the remaining {$100.00}. 

I have been a customer since XXXX.
Consumer complaint received 2024-09-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CA)

I am a Veteran. I used my VA loan to purchase a property for {$360000.00} and my lender is Freedom Mortgage. My interest rate is XXXX % and my mortgage payment is {$2400.00} on a XXXX year fixed. I do not believe there is private mortgage insurance ( PMI ) on the VA loan as I do not see that information in my disclosures. I pay my homeowners insurance in full each year. I closed escrow XX/XX/year>. I have never missed or defaulted on my mortgage. 

Example on {$450000.00} property : a XXXX year mortgage at XXXX % the monthly is around {$2200.00} a month, XXXX year mortgage at XXXX % is around {$2100.00} a month, XXXX year mortgage at XXXX % is around {$2100.00} a month. With regard to payments, Escrow, taxes, or insurance, fees charged, and paying off my loan there needs to be an audit as I believe I have been over billed from XX/XX/year> to present. 

On a seperate note, since closing escrow, I have been subjected to severe housing discrimination by a group of dangerous outside agitators as well as the builder XXXX XXXX XXXX Homes- with housing developer XXXX XXXX XXXX XXXX There has been property vandalism to my vehicle and property, harassment, threats, remote hacking into my router, spying/stalking, criminal trespassing, death threats, noise disturbances, wiretapping my wi-fi appliances, mail theft, politically motivated exploitation, religious XXXX ( some are with XXXX ), sending me disturbing explicit mailings, homeowners insurance company and others carrying out actions without my authorization and rewarded with kickbacks, tampering with the foundation of the property, water and electrical systems, false imprisonment, harassment, defamation, invasion of privacy, negligence, breach of duty, abnormally dangerous activities, and other " fair game '' terrorism from the " close knit community '', local extremist good ole boys and corporations tied to the troublemakers. I have filed complaints regarding hate crimes, housing discrimination, privacy violations, unfair, deceptive acts, practices and corporate bullying to the lender several times as well as FTC, FCC, HUD, XXXX and other government officials and third parties e.g. XXXX also involved. The group is affiliated with organized crime and have been terrorizing me since I closed escrow. I received a letter from XXXX which sounded to me like conversion. When I responded to inquire if this had anything to do with mineral rights and/or fracking- I received no response. I also filed a complaint via the White House website. The housing developer XXXX XXXX XXXX has also been passive aggressive in his approach with my property. I provided a copy of the letter to the lender and asked them to inquire with XXXX as to what was going on and the lender told me they would get back to me in a few business days and never responded.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (VT)

Started getting repeat emails and phone calls from LVNV funding. Went online to check credit report and they placed two accounts on the report that had balances that I did not recognize.

Sent email requesting validation of the accounts : one total is {$2000.00} and the other is {$1600.00}. Requested purchase agreement, original contract, and signature page as I have NO CLUE who this company is. The person whom constantly is contacting me is XXXX XXXX doesn't have last name on email title ). 
The account also is posting as past due on the credit report. One states XXXXXXXX XXXX XXXX and other XXXXXXXX XXXX XXXX Dates opened don't match nor do the balance updates making any sense. 
I requested these be removed from my credit report if they can't provide me with the validation documents requested.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (NJ)

So there is a Discover credit card in collections or as a charge-off on my credit report and it has been there since around the time of my divorce in 2017. My ex-husband ran a few of my credit cards up I paid them all down they were always automatically put into my checking accounts so they I just paid you know monthly whatever got the first bills before my divorce was finalized before he messed with all of my mailings put the credit card numbers into my bank and just was paying all of my bills. I have records of making payments to Discover card and the amounts that is on this bill which is like {$3000.00} I think I paid them a little bit more than that might have been a little bit less but around the same amount that's due and I kept wondering why the it was never going down so I contacted them a couple years ago and I was trying to buy a house so it was probably in XXXX. And they said that I had to send in proof that I had made payments so I went to my bank I had gotten all the information from the bank all the payments that went out to Discover card sent that to them and they told me that those payments went towards another account that it was not my accounts and they could not discuss that information with me. I said well this is the account number that you gave me on a bill before my husband messed with the mail and then all of my mail got redirected and then I never got another correspondence from you I said this is the account I've been paying on so I paid somebody's {$3000.00} bill you didn't notify me you didn't like anything like that so I've paid them the money I've asked them I beg them to take it off of my credit report it is holding me back from being able to purchase a house because they say my debt to income ratio is too high I want it deleted I have proven to them that I made payments through XXXX XXXX XXXX to discover in the amount of the {$3000.00} that is owed to discover I paid them they applied it to somebody else 's credit card and will not discuss that information with me it is a charge off anyhow and it's been on my account for many years I would like it removed I have contacted the governor 's office of New Jersey and he gave me this information and asked me to XXXX a formal complaint through your agency
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I've previously asked for these negative collection accounts be removed from my credit report. They have been re added. I am willing to fill a lawsuit if necessary. By law it is illegal for these accounts to be reported. By the fair credit reporting act. It is unlawful to report negative or adverse accounts. I would like the fallowing accounts removed please. 

XXXX. XXXX, XXXX XXXX XXXX paid off. Balance {$310.00}. Updated XXXX Acc # XXXX. Date opened XXXX. Collection account.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

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. 

Account name : XXXX XXXX XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # 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 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (CA)

Subject : Cease and Desist Notification and Refusal to Pay Alleged Debt Accounts Ending in XXXX and XXXX Dear Velocity Investments LLC, I am writing to formally notify you that I am refusing to pay the alleged debt related to the following accounts : XXXX XXXX  Account ending in XXXX ( XX/XX/year>XXXX XXXX XXXX XXXX Account ending in XXXX Under 15 U.S.C. 1692c, I am exercising my right to request that you cease any and all forms of communication with me regarding these alleged debts. This includes, but is not limited to, communication via phone, email, post cards, and any other mediums. Additionally, you are to immediately cease reporting these accounts on my consumer report. 

I expect these accounts to be removed from my credit report without delay. Please provide written confirmation that all communication will cease and that the accounts in question will be removed from my consumer report. 

Failure to comply with this request will result in further legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your immediate attention to this matter.