davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

PennyMac reported inaccurately that my mortgage payment was 30 days late, on XX/XX/year> ; which resulted in decreasing my score from XXXX to XXXX. I send the payment from my bank, monthly. Which I can easily prove with bank statements. PennyMac also has stolen money from my escrow to cover false " late fees ''. They sent me a threatening letter to stop posting in a XXXX XXXX with other people complaining about this same problem. Their letter also offered zero explanation, just more lies regarding the fees. I have paid well before the actual late date which is mid-month. When they tanked my XXXX XXXX, I had actually paid twice, once for XXXX and for XXXX. They are XXXX and scare people with letters and XXXX phone calls. I have worked incredibly hard to build my credit up and for them to destroy it over false pretenses is devastating. I filed complaints with the credit bureaus but that got me nowhere. A member of this XXXX XXXX posted you all were a great help and I am hoping the same. I can't even sell this house and buy another as with them messing up my credit, I wouldn't qualify for a new mortgage. Their actions are truly criminal.
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

The company placed a negative collection on my all of my consumer reports without written consent and or proper time to dispute the debt. I am unaware of any debts owed to the company and or whoever the collection company may represent. Account number : XXXX Date opened : XX/XX/year> 2023
Consumer complaint received 2024-07-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

Im requesting the CFPB to investigate Resurgent Capital Services and its business practices. 
Regarding Debt Validation Rights Violation by Resurgent Capital Services Introduction I am writing to file a complaint against Resurgent Capital Services XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, 12 CFR 1006.34 ( c ). 
Resurgent Capital Services Violation On XX/XX/year> I sent out a request 12 CFR 1006.34 ( c ) and Resurgent Capital Services has failed to provide me with a written notice for debt validation within the required 30 days as mandated by federal law under 12 CFR 1006.34 ( a ) ( 1 ). I have not received any validation information from Resurgent Capital Services XXXXdespite them attempting to collect a debt from me. 
My Rights Under the FDCPA The FDCPA protects consumers from unfair and deceptive debt collection practices. One of these protections is the right to receive a written notice for debt validation within five days of the first communication from a debt collector. This notice must include : The name of the creditor The amount of the debt A statement of your right to dispute the debt Request for Action I request that the FTC investigate Resurgent Capital Services debt collection practices and take appropriate action to ensure they comply with the FDCPA. This may include requiring Resurgent Capital Services to : Cease all collection efforts until they provide proper debt validation.

Correct any inaccurate information on my credit report.

Be subject to any other penalties the FTC deems necessary. 


Thank you for your time and attention to this matter. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX
Consumer complaint received 2024-07-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (KS)

I was given bad checks by a potential employer ( which turned out to be a scam ). I've never had a check bounce before so I was unaware of the possible consequences of attempting to deposit bad checks. After the first check that I deposited, I was informed by the bank that the check was returned and the money deposited failed to clear. I was given another check to deposit. I informed several representatives at the bank that I had received another check and that I was worried that it too, would bounce. I asked a representative if I should deposit the second check and I even told him that I thought that it might be fake and he said, " Yeah, go ahead. '' None of the employees that I spoke to regarding the second check warned me that a second bounced check would result in the closure of both of my accounts ( checking and savings ).
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NC)

I am not aware of this debt. I wasn't given a chance to dispute it. I didn't receive proper notification. If indeed you believe I was provided proper notification. I asked that you provide certified letter with the receipt with my signature. Showing that I received it.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

Hard inquiries by these companies are showing on my Consumer report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2024-03-28
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. (MD)

I have notice many inaccurate untrue and false misrepresentations on my credit report I have sent request for Transunion, XXXX, and XXXX. However I have gotten XXXX responses.
Consumer complaint received 2024-07-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

I am writing to formally lodge a complaint against Resurgent Capital Services for their persistent and unwarranted communication attempts despite my repeated requests to cease all forms of contact. 

This is the third time I am being forced to address this issue. I have no affiliation with Resurgent Capital Services, its affiliates, or any parent company associated with them. Despite my previous written requests, I continue to receive letters and other forms of communication from this company. 

I find these continuous communications to be a clear invasion of my privacy and a form of harassment. I am hereby reiterating my demand for Resurgent Capital Services to immediately cease all forms of communication with me, including mail, email, phone calls, and any other means. 

If this company continues to ignore my requests, I will be left with no option but to pursue full legal actions for invasion of privacy and harassment. I urge the Consumer Financial Protection Bureau to take immediate action to ensure that my rights as a consumer are protected and that Resurgent Capital Services complies with my cease and desist demand. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: F.H. Cann & Associates, Inc. (MI)

I recently reviewed a copy of my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit. 

F H CANN AND ASSOCIATED XX/XX/year>
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

These accounts are in dispute pursuant to 12 car 1006.34c and I request/ demand all activities and communication be Ceased and desist until the accounts are properly validated pursuant to XXXX5 usc 1692 ( g ) ( A ) ( 1 ) Notice of debt. I have sent a request XX/XX/year> and this company has failed to follow FCRA guidelines for furnishing information and continue to furnish inaccurate and incomplete information. please see attache correspondence date XX/XX/year> this company has sent me a stall tactic and has disregarded my request in entirely to benefit them and not myself the original creditor which is a violation of my consumer rights
Consumer complaint received 2024-07-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I received an Amex Gift Card ( value of {$100.00} ). I attempted to use this on XXXX and the transaction was continuously declined after a few attempts. When I check my balance online, it shows less than the card value due to XXXX holding the amount to verify the card. Whenever XXXX asks me to verify my card, the payment gets declined again. I looked online to see if this was a more widespread issue, and it appears that many others reported having this problem as well.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

I am disputing XXXX charges from XXXX XXXX. 
{$1600.00} on XXXX {$470.00} on XXXX XXXX on XXXX Discover is my favorite card but the dispute department sucks. They have refused to take my dispute simply saying you made these purchases. 
Pa attorney general office of consumer protection agency has contacted XXXX  about this transactions. They advised me to report Discover about not providing adequate help. 
The first purchase was supposed to be redone entirely based on XXXX own service department. I am still waiting. 
The purchase was not a purchase to begin with. It was a mattress warranty replacement. 
I am attaching pictures for the lates purchase. Does this look like a 3 month old sofa?
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I payed off my three credit cards with a 1099 A throw the IRS and it was payed in full and they are showing its still not payed for, I sent the three agencies letters totally proving to them its payed for but no change .... and they have to take a 1099a or coupon by law all debt are prepaid ....
Consumer complaint received 2023-12-02
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: Velocity Portfolio Group (MD)

I am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.
Consumer complaint received 2024-07-06
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: Resurgent Capital Services L.P. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have a Best Buy Visa credit card with a {$400.00} credit limit.My account balance shows that I owe {$330.00}. I opened this account back in XX/XX/year>. My transaction was around {$100.00} for one item purchased in-store. I made the payment within the time my first payment was due. The card number I have does not match the one my account shows is active. I do not remember asking for a new card. I do not know if a new card was delivered and used without my consent. I have called the company but I called outside of business hours so I am making the report and will call again when the office is open. I have tried viewing the statements online but the account says it will not show the previous 6 months transactions. I do not know if it is just a problem on my end or if that is how it is appearing. The payments are past due and I can not pay a debt that is not mine. This account is harming my credit and would like for it to be solved.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

Recently, I did an investigation on my credit report and found several items on there to be an accurate. 
Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code1681i ( 5 ) treatment of inaccurate or unverified information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be in accurate or incomplete or can not be verified. no consumer report and agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the finisher of that information that the information has been modified or delete from the file of the consumer. please remove the following items from my credit report immediately : XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A card was opened through Capital One without my knowledge on XX/XX/year>. On XX/XX/year> I froze my credit, disputed the hard inquiry through XXXX, and reached out to Capital One to report the fraud. An investigation was opened, no further info given.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX  is saying my account is a charge off. There was not 6 consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on me.
Consumer complaint received 2024-07-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CCF Intermediate Holdings LLC (WA)

I was approved for a loan of XXXX and they said they would put a small amount in my bank to verify my account and I said ok and they did so I went and paid couple of bills and XXXX days later I looked at my account and it was negative XXXX called bank they had no info on it so I called XXXX XXXX and they said it was because I didn't send back but they didn't ask me to do I went online and was approved by speedy cash for XXXX they said they would put enough to clear up my account and that I had to send the rest back to raise my credit score so I sent back and then they didn't call me back until after the XXXX and told me I need to send XXXX to XXXX to bring my score up XXXX more point so they could put my loan in or they weren't going to honor cheek so that would put my account XXXX  and the reason for the loan was to pay past debt off so I could buy my house.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

On the evening of XX/XX/year> I was awoken to alerts from my phone stating my business account was over drafted. I immediately logged into XXXX online service and there was XXXX unauthorized charges totaling {$4800.00}. I immediately ( less than XXXX minutes after the charges appeared ) called their fraud service and was told these are pending charges and the bank can not stop payment. My business account over drafted {$1700.00}. I called the bank the next day and they refused to offer provisional credit. They are stating it will take XXXX days to get my money back. I called on XX/XX/XXXX and the bank had not even started the investigation. I am now going to be tight on payroll. I tried calling my local branch XXXX XXXX and she did not return my call. I did not lose my debit card and use credit cards to prevent issues like this. I have called the fraud service line at XXXX and they refuse to let me escalate the compliant further.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

My husband bonus from XXXX XXXX  and work pay roll were submitted into my account and shortly after chase decided to hold my account making us cancel our whole summer vacation! I need the money there was about {$3000.00} in there.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC (NJ)

I do not conduct business with Zelle or the payee recipient that XXXX and Zelle have added to my bill payment recipient list. XXXX is legally incorrect to respond to my XX/XX/year> complaint by asserting that I have a duty to contact Zelle to remove a Zelle payee recipient from my bank XXXX account? XXXX is violating banking and privacy law by allowing Zelle to insert a payee into my bank account payee recipients list. XXXX admitted on telephone that Zelle found the recipient from my emails contacts. 

Zelle is listing an unknown person and their email called XXXX on my XXXX XXXX pay recipients list. I am inserting Asterisks inserted for security. I demand compensation for time and effort to have unknown person and email removed from my XXXX bank account bill pay recipients list and compensation for invasion of privacy