davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX JEFFERSON CAPITAL SYST account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. XXXX XXXX XXXX is reporting a charge-off to my credit report that is not even their debt because they have sold the debt to a debt collector ( see attachments ). That makes the account on my credit report inaccurate and this account must be deleted.
Consumer complaint received 2017-02-04
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: INTERNATIONAL CITY MORTGAGE (VI)

I went through the entire process, submitted everything that I was asked, signed a contract, filled out application, got my credit pulled twice and basicall did everything I was asked to do. While waiting for the process to be completed, I sensed that there was something wrong with the process. I signed my contract the XXXX of XXXX XXXX and my credit was pulled, which was n't a problem, however the representative XXXX XXXX XXXX also known as XXXX ) asked me for my bank statements and check stubs every month ( even up until XXXX of this year XXXX XXXX ) ). The amount of excuses I received and the lack of professionalism was what made me realize that something is seriously wrong. Myself and my boyfriend, who was applying with me, made contact with another lender who explained the process but it still never added up to the amount of time spent doing the process. I asked that everything that the company did for my loan be sent to a lender who I trusted to look over everything and Now 7 months down the company is telling me they are not closing my loan and that the company is not renewing their license for the XX/XX/XXXX year. Apparently, there seems to be a lot of fraudulent activities that has been going on with the employees or persons for International City Mortgage. I also went as far trying to find someone else to close the loan but i will have to do the entire process over, which i would have done but the company ( ICM ) is refusing to remove any of the hard inquires that they placed on my credit. I learned they are not even Licenses in the XXXX XXXX to do business. However, throughout the process I asked that everything be put in writing or email to me therefore I have XXXX trail on everything. There is just a lot that 's been going on with this company and the people that are a part of it. 

If you need any of the emails, I would be happy to forward them to you.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am formally complaining against KOHLS DEPARTMENT STORE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted KOHLS DEPARTMENT STORE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that KOHLS DEPARTMENT STORE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 information is inaccurate.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX, I contacted Citi Bank and requested to be connected to their fraud department after noticing three fraudulent charges on my account. The charges occurred on XX/XX/XXXX with XXXX XXXX XXXX  in XXXX XXXX XXXX CA , amounting to {$1400.00}, on XX/XX/XXXX with XXXX XXXX totaling {$430.00}, and on XX/XX/XXXX with XXXX XXXX XXXX in NY for {$39.00}. The {$39.00} charge was promptly removed, and a dispute was filed for the other two charges. While awaiting a response to my dispute, I discovered another pending fraudulent charge on my account. I immediately contacted Citi to cancel the pending charge. Despite being assured that a new card would be sent and the old one closed, the fraudulent charge remained pending. After numerous calls to Citi Bank throughout XXXX and XXXX, the charges were finally reversed in XXXX. However, in XXXX, I received a letter from Citi regarding my dispute. According to the letter, the merchant provided documentation affirming the validity of the {$1400.00} fraudulent charge ( XXXX XXXX XXXX ), and the charge was reinstated on my account. Upon reviewing the documentation, I found compelling evidence on the first page indicating that the charge was indeed fraudulent. Specifically, the email address associated with the purchase differed from my valid email address, which I confirm on every call to Citi Bank. Additionally, the IP address on the purchase did not match my home address in XXXX XXXX, NV, showing XXXX, California. I am urgently seeking assistance in removing the fraudulent charge of {$1400.00}, confirming the illegitimacy of the {$430.00} charge, and obtaining a refund to close my account. I no longer have confidence in the security of my information with Citi Bank. 

Citi Bank responded to my original complaint with a letter that they were going to take care of it. It has now been 3 weeks. My account is currently past due, and I am being asked to settle a substantial minimum balance to bring it up to date. Despite being informed of fraudulent charges being removed three weeks ago, they have not been removed, resulting in my account being in the red due to the delayed resolution process and my credit being ruined. 
According to previous communications, I was assured that I wouldn't be obligated to make any payments until the fraudulent charges were resolved. However, nearly SIX MONTHS after the occurrence of these charges, they remain on my account unresolved. This situation has left me hesitant to proceed with the payment, as the promised resolution has not been fulfilled.
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION (VI)

I wrote XXXX checks to the United States Treasury, XXXX checks in XX/XX/2016 and XXXX check in XX/XX/2016 I will like to be able to make copies of these checks on my online bank account but they are not accessible to do so -- all other checks that I have written on my bank account are printable except these XXXX checks made out to the US Treasury. In the near past, I have had no problem with this matter and wonder why the stonewall by the Treasury Department is occurring now.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I cancelled two flights that I booked using points through Capital One Travel for the first time from XXXX  to XXXX  and received two travel credits of {$570.00} ( conference credit code MUPTKG ). I was told these 2 credits could be reapplied to any XXXX flight with the same travelers ( my wife and I ) within 12 months of the date of cancellation. I reapplied this credit with the XXXX flight ( XXXX ) through Capital One at a cost of {$570.00} each, plus {$70.00} for a total cost of {$640.00} each. Had I booked directly with XXXX that same flight could have been booked for {$280.00} eachat the time of rebooking. Therefore, the cost of this flight consumed our full credit of {$570.00} plus {$70.00} additional fee for a total cost of {$640.00}, or {$350.00} more than what we would have paid otherwise per ticket had I booked this flight directly with XXXX. 

I was told this was a REBOOKING fee that XXXX charges them for applying this credit. I called XXXX and spoke to a representative XXXX XXXX XXXX who asserted that was NOT true. She said that any rebooking fee was from your Venture credit card XXXX XXXX, not XXXX. At the time of my canceled flight, that resulted in this credit, I was not informed I would be subject to a rebooking penalty of {$350.00} X XXXX = {$710.00}. I needed to have been informed of this prior to my cancellation, but was not. Once I got the email from Capital One Travel confirming my cancellation, itstated on page two that there was a REBOOKING FEE, BUT at the time of my phone cancellation, I was NOTinformed of this fact!
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (MA)

on XX/XX/, claimant received communication from Consumer Correspondence Department Rushmore Loan Management Services LLC, regarding the mortgage loan account referenced above. Consumer Correspondence Department Rushmore Loan Management Services LLC response was " Our office has reviewed its files and was unable to identify a Rushmore loan connected to the name, property address, or loan number provided ''. This willfully conduct to deprive claimant of freedom of life and privacy after knowing there was no contract or debt associated with private property or claimant is deceptive and unlawful. We demand public accountability and redress. Rushmore Loan Management Services LLC has engaged in this deceptive business conduct before. This theft of property without just compensation must never be tolerated and delt once receiving this claim and notice.
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (VI)

Since XXXX, after I returned from working over 3 years in XXXX, I have been trying to resolve an issue of Asset Acceptance Corporation, LLC to stop reporting a fraudulent account on my personal credit report. I tried yet again in XXXX of XXXX to which a dispute was filed at the credit bureau 's and the company is still refusing to stop reporting this fraudulent account by simply stated that they verify that they account is mine when the originator of the account which is XXXX has clearly stated that this account that they are referring to does not exist and that I do not owe them any money relative to they account that they are claiming that I owe. 

I have tried contacting the company previously and presently tried to contact them again using their number listed on my credit report but the number does not work. XXXX stated that they have no such account for me on file and that I have no outstanding balances and they just issued me a new credit card just last month. How can I have XXXX credit cards open for the same company especially when I settled on XXXX before? You can only have XXXX personal credit card open with the same company respectfully. Asset Acceptance Corp, LLC is intentionally hurting my credit score and they need to stop it immediately or I will try to sue this company.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
Bankruptcy XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

on XX/XX/XXXX my online bank with Chase was locked with unknown reason over the phone received information thats Chase decided to stop all relationship with me with unknown reason and my funds should be mailed to my home address within XXXX business days on XX/XX/XXXX by visiting local chase bank I received from branch XXXX XXXX XXXX thats my XXXX  from my bank account been transferred to chase Legal department and added on hold for the next 10 days, at the same day we opened claim with chase escalation department claim # XXXX and they promised to mail chack back to me with my funds on XX/XX/XXXX after this date Every XXXX days I am calling chase to find out more details how I can get my funds because I need to pay my bills, if them need to provide any info I can provide all documents and each phone call they telling - call back in 2-3 days - wait two more weeks - or simply " unknown reason unknown case we cant help you " on XX/XX/XXXX - received by mail letter from chase with information XXXX debit XXXX  check charge on full amount {$95000.00} last call today XX/XX/XXXX - first rep told me its will take years and years to get your money back second rep who been transferred call back in XXXX days attaching - letter from chase * debit DDA check charge on full amount {$95000.00} XXXX printed last statement with account number and full balance {$95000.00} - bank amount statement printed by chase {$95000.00} - business card with written case number by XXXX XXXX bank branch manager
Consumer complaint received 2024-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION (MD)

I assumed a VA mortgage in XX/XX/XXXX with Navy Federal. I have never experienced this level of incompetence before, from the application process through now. The latest issue I have been trying to resolve is that they paid the wrong insurance company from my escrow account. Now they will not fix their error or report back to me on how or when it will be addressed. 

I provided my home insurance policy many times per their requirements during the closing process. I had to make a payment and send them a receipt. And email them a copy of the policy. And upload it to their special insurance website. But they still paid the old company that the previous owner had, in error, in XX/XX/XXXX. Again, I assumed the loan in XX/XX/XXXX. 

I have called many times, and spent hours on the phone, and received verbal promise after promise that they swear they will fix it and call me back. Every time they tell me XXXX business days and then don't respond - so I have to call them back and start from square one. They've sent this to their XXXX, they're adding a note that I am not getting callbacks, they're noting that I'm this close to filing official complaints with their overseeing agencies. Well, now I'm filing. I am a XXXX veteran, and I don't have the ability to keep at them the way they need to be kept at. I just want the money refunded, because I never authorized my funds to be sent to the wrong insurance company. My money has been stolen from me in this case, and I want it returned to my escrow account where it belongs.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (CA)

I received a letter from Cedars Business Services trying to collect roughly {$460.00} for creditor " XXXX ''. The letter appears legitimate. 

The letter reads as follows : " Your account has been places with our firm for collections. We previously sent you important information about your rights. Our request for payment does not deny your right to dispute the debt. 

The amount referenced is seriously past due. We would like to hear from you regarding how you intend to resolve the outstanding balance. Please contact us if you like to make a payment or if you need additional information. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The account says I owe from a declined ACH Deposit however I went on my bank statements from said date XX/XX/year>, and there is no declined transactions on my bank statements. I opened the account with intent to use it, but never ended up using due to me using a different account on another app. However I never closed the account but did sign out shortly after. This has affected my credit score tremendously, when this wasnt my doing. I have proof to show it. 

I also went back into the account to look up previous pay request and history and put the date of said transaction and says theres no history.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (VI)

Citibank has seemingly had a major breach in their security system. I received a fraud alert call about a new card ( that had never been activated ) about a charge made from another country. I received the new card 3 days ago, after receiving a notice from Citibank 2-3 weeks ago that they would send me a new card due to a possible data breach. If the new card, which I had never used and had not activated, was used fraudulently, then there has to a breach either at the Citicard level or a vendor that they use. I am very concerned about this level of a breach. My account was closed but in my mind the integrity of Citicard 's security system is in question.