davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Collection Bureau, Inc. (MO)

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

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

In addition to federal law, XXXX XXXX Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft laws underscore the severity of unauthorized access and misuse of personal information, highlighting the importance of protecting consumer rights and ensuring fair credit reporting practices.

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

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

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

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

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$120.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc. (TX)

XX/XX/XXXX my account was restricted due to standard security checks XX/XX/XXXX my account was unlocked I deposited money attempted to use mine card for the account and a restriction was placed back on I'll call to try to find out what was going on and again it was told that it was standard security measures on the XXXX my account was unlocked on the XXXX of XXXX my account was locked again on the XXXX of XXXX it was unlocked and now again also on the XXXX of XXXX it is locked again when I call they say it's another department or it's just security doing a security check I said XXXX times and XXXX  days I deposit money that's something to use my car and my account is locked XXXX somebody's going to reach out to you and let you know there's only XXXX person who did in his name is XXXX XXXX but they say that somebody's going to reach out to me ain't nobody reached out to me first they said XXXX hours then they said XXXX so I don't even know how long it's supposed to normally take but from looking at the XXXX reviews I'm not the only XXXX
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (PA)

These accounts are being published with incorrect payment information. I want them to investigate and fix it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NC)

I received a promotional offer to open a new checking account and to receive a {$400.00} bonus after meeting the terms and conditions. The terms and conditions included 2 direct deposits totaling {$1000.00} within 90 days of opening the account. The fine print mentioned that the {$400.00} bonus would be available within 4 weeks of the last qualifying deposit. I have proof that the promo code was applied at the time of application. I also called and confirmed it was applied on 2 separate occasions. I was advised both times that I called that it was applied and that I had meet the qualifications and that I just needed to be patient and wait for the 4 week processing time. I called again after 4 weeks and I am now being told the code wasnt applied to my account. 


I opened my new Truist account on XX/XX/2023 using promo code XXXX. 

XXXX account was linked for opening deposit and authorization given for transfer on XX/XX/2023. 

Test Deposits received off XXXX and XXXX received on XX/XX/2023. Deposits verified on Truist.com on XX/XX/2023 {$1800.00} direct deposit was received on XX/XX/2023. This was the first qualifying deposit. 

{$1800.00} direct deposit was received on XX/XX/2023. This was the second qualifying direct deposit. 

XX/XX/2023 was the 4 week time frame quoted to me to receive the bonus. 

I have a screenshot at the time of the application showing the promo code attached. I am happy to provide.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-06-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (OH)

RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection account. {$1200.00} past due as of XX/XX/XXXX. 

Account Number Provided : XXXX Original Creditor : XXXX XXXX  The account with XXXX XXXX  was set up fraudulently in XXXX or XXXX with identity theft at an address that I have never lived at : XXXX XXXX XXXX, XXXX, NY XXXX This situation happened once already with a different collections company and was cleared/deleted from my credit report. The collection company from the last issue was XXXX XXXX XXXX XXXX. 

I have spoken to XXXX XXXX many times about this and their fraud department assures me that the fraudulent account was closed immediately when the original identify theft took place and I do not have any dollar owed to XXXX XXXX at this time. Actually, I have never even had a legitimate personal account opened with XXXX XXXX 

Please assist me with getting this cleared from my credit report once and for all. 

Thank you.
Consumer complaint received 2024-06-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (AL)

I recently reviewed a copy of my consumer report and noticed a fraudulent account on my report. I have no contractual relationship with Wakefield & Associates and did not authorize this company to provide any data regarding me in any capacity. See 15 USC 1681 Permissible Purposes. The account should be deleted immediately.
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (MD)

My bank statement ( XX/XX/year> ) on page XXXX, NewRez Shellpoint XXXX XXXX XXXX XXXX of {$1700.00} see bank statements attachments On ( XX/XX/year> ) I called in to get a verbal agreement ( confirmation # XXXX ) for NewRez to withdraw on the same above account on ( XX/XX/year> ) you did not make the withdrawal, the money was in the account awaiting your withdrawal of which you did not ( to that end ) you terminated her trial period. 

NOTE : My file ( XXXX ) exceeded ( XXXX ) I will forward the 30 pages to Shellpoint Mortgage/NewRez to make sure they get it by emailing : XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My account was closed around XXXX with a {$93000.00} cashier check deposit. Since the account has been closed Chase won't release my funds. Chase can verify the check through XXXX  XXXX XXXX but haven't done so. I just want my remaining balance in the closed account to be sent to me.
Consumer complaint received 2024-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC (OR)

XXXX XXXX has attempted to buy out my loan from Cross Country twice now. Confirmed amounts were returned. Cross country had showed the loan paid off and released it to county for XXXX XXXX to take over. Cross country has returned the wire payoff twice and changed the amount of payoff over and over, adding fees. My loan is insured with XXXX XXXX.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

I was informaed by XXXX  insurance that an accident the XXXX  XXXX Police determined I was not at fault in, was reported as at fault by Lexis Nexus. They refuse to fix this, and have hung up on me multiple times.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2024-06-11
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: FC HoldCo LLC (TX)

XXXX XXXX put a credit request ( inquiry ) on my credit report on XXXX. I was in XXXX  during this time. I will upload the documents showing l was in XXXX. 
Please have them to remove the inquiry asap.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.

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 informationisinaccurate.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GOLDEN 1 CREDIT UNION, THE (CA)

COMPANIES IN QUESTION : GOLDEN 1 / XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX formal complaint/goodwill request that you are reporting inaccurate information due to data furnishing error AND neglect of proper plicy and procedure with my private information, causing financial harm. I, the consumer, have provided proof of the alleged debt parked on my consumer report with the account information listed, company is also in VIOLATION with the FCRA for non-response in a 30 day time period. 
Citing 15 USC 1681c-2, we call for the REMOVAL AND DELETION of said parked alleged DEBT, and are in VIOLATION to my consumer rights. 
It is to I, the consumers knowledge, did in fact, PAY FOR ACCOUNT TO BE SETTLED AND CLOSED. Accounts remain open, and are dangerous to, not only my consumer report, but the rights, laws and financial fairness owed to me, by LAW. 
CREDITOR ALLOWED I, THE CONSUMER, TO PAY AN AGREED SETTLEMENT, AND CONTINUING TO PARK ALLEGED DEBT ON REPORT, RESULTING IN DROP IN CONSUMER SCORE
Consumer complaint received 2024-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2024-06-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

I am writing to formally complainabout the denial of the {$500.00} promotional bonus that I was promised upon opening my account online, following the instructions provided in a letter I received from Citibank before dated XX/XX/XXXX. 

Per the instructions in the letter, I opened an account online and deposited {$30000.00}, which was a requirement to qualify for the {$500.00} bonus after three months and 20 days. I took great care to follow all instructions precisely and repeatedly verified with your online customer service representatives that my account setup met all the promotional requirements. 

However, after the qualifying period had passed, I was informed by both bank tellers and telephone customer service representatives that I am not eligible for the bonus. They requested that I provide the original letter with the promotional details, which I no longer have. 

As a loyal Citibank customer, I am disheartened by this experience. I believe Citibank 's internal systems should have records of the promotional mail sent to me, as well as the multiple confirmations I received from your customer service representatives on line. Despite this, and after multiple attempts to resolve this issue both online and in-person, I am still being denied the {$500.00} bonus.
Consumer complaint received 2024-09-04
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 (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' DISCOVER BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DISCOVER BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, DISCOVER BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' DISCOVER BANK 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 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

I have overdraft turned off of my bank account ; Instead of properly refusing the charge USBank ignores the setting and overdrafts the account. 

Usually I can get funds to get the charge waived, but I am stressed after having this setting disrespected by the USBank banking app. I would rather the bank respect the setting and not overdraft the account. 

I note that I have called them last year, and turned off overdraft in the XXXX  USBank app, both times they certified over the phone that they had turned off overdraft for the account ( in app via overdraft and over the phone with customer support )
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GLOBAL SOLUTION BIZ LLC. (GA)

COMPANIES ARE REPORTING INACCURATE AND/ OR FRAUDULENT INFORMATION AND CLAIMING THAT THE INFORMATION IS VERIFIABLE. I HAVE DISPUTED THESE ACCOUNTS AND/OR INQUIRIES NUMEROUS TIMES AND VERIFIED THAT THEY DO NOT BELONG TO ME
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

This debt has been resold again. The original debt was for creditor XXXX XXXX. I never owned this account. I have attached a police report and an Identity theft report from the federal trade commission. Please remove this from my credit file immediately. As this is a debt in which I do not owe.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I had an amount of {$75000.00} deposited on XX/XX/XXXX towards Priority Checking Account of Citibank under the Special Promotion of Cash Bonus of {$1000.00} on fulfilling certain requirements as mentioned on their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All the stipulations mentioned therein were met and I have not yet received the Cash Bonus. I called several times and spoken with their Customer Service and also to one of their supervisor, XXXX XXXX on XX/XX/XXXX, but could not get a satisfactory answer other than they have escalated it to their higher-ups. The Supervisor mentioned that I don't have Form W-9 on file. Form W-9 is a request for SSN, which I already have and they have it on file. Filling another form not only will complicate the problem, but may generate another SSN. Also my Debit Card has been blocked, & they don't have the answer 'Why '. If they don't fulfil their obligation, would amount to likely 'Fraud/Scam ', for XXXX  like me. If you need further details, I would be glad to provide them.

Thank you for your cooperation in the matter.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Capital One Auto has been harassing me the last 2 months threating to take my vehicle. This vehicle was paid off back in XX/XX/year> and Capital One released the Lien. It is against Virginia law to put a lien back on a vehicle that's paid off. I did not sign anything saying they can put a lien back on my vehicle. If the harassment doesn't stop, I will sue if they touch my vehicle I will sue. No debt is owned on this vehicle.