davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Butler and Associates, PA (MO)

I am a resident of Missouri and for the past 20 years I have been having my wages garnished and my bank accounts emptied out over and over and over and I have paid this debt collector for the same account multiple times and they wont stop taking my money. I am nearly homeless due to this. It is Butler and associates out of XXXX, Kansas. It is when I was XXXX XXXX XXXX Debt and I am XXXX XXXX XXXX and I just found the file folder with all the proof of letters from them stating how many times they have released me and dismissed it because it was paid in full, thousands of dollars they owe me and currently right now they have my bank account negative again And due to them, me and my children are on the streets. I cant afford a lawyer. I dont know what to do. I reached out to them. I even sent them the letters that they sent me proving I paid it over and over and over. Every letter I have, its the same case and they just change counties and paid in full over XXXX times on all XXXX accounts thousands of dollars. And right now I have no money and my bank account is frozen and negative because of them. Please help me I I looked up online and they have had many lawsuits against them. In fact, I am the second generation they are doing this to my mother went through this for 20 years and this day shes almost XXXX and she still hasnt been reimbursed for almost {$40000.00} in overpayments.
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (FL)

I am writing to formally bring to your attention a concerning matter I have recently encountered. 
On XX/XX/XXXX, I received a voicemail from a purported legal dispatch department regarding a non-payment issue dating back toXX/XX/XXXXXX/XX/XXXX with CitiBank-CreditCard. The message threatened property XXXX at XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, if I failed to respond. Furthermore, I was informed of potential court subpoenas and property XXXX in the absence of action. 
Understandably alarmed, I immediately contacted CitiBank to verify the authenticity of these claims. However, neither the collections nor the recovery department at CitiBank had any record of this alleged debt, nor did they possess any information related to my Social Security Number, even though my account was sold to another debt collection department, they also have no information, including my SS #, especially considering the statute of limitations has passed since the incident. 
Upon further investigation, it became evident that this communication XXXX be a scam. The entity claiming to represent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, provided me with the following details : Case Number : XXXX Original Creditor : CitiBank-Credit Card Amount Alleged : {$10000.00} Proposed Settlement : {$6200.00} Given the gravity of these threats and the lack of corroborating information from CitiBank, I am deeply concerned about the legitimacy of these claims and the methods employed by XXXX & XXXX XXXX I seek your urgent intervention to investigate this matter thoroughly and provide clarity on the validity of these assertions. 
Please acknowledge receipt of this complaint at your earliest convenience and provide me with guidance on how best to proceed to resolve this issue promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

Opened a joint TD checking account wirh my wife couple days ago. But today teller from bank called me in and informed that they have to close our joint account. She said that my wife would be able to open a checking account at td bank but not me. Didn't inform me about anything suspicious or alert. Just said that they have to close and thats all.
Consumer complaint received 2023-11-01
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

In 2012 it was discovered that my identity was used to open a bank account. I knew my identity had been stolen after several charge offs I had no knowledge of showed up on my credit report. I filed a police report but nothing was done. I didn't know anything about the cfpb at the time and no one gave me any guidance as to how to handle the identity theft. I waited several years to see if the account would eventually be removed from my report after filing a police complaint. I have tried opening a new bank account and each time I am getting denied because of this bank account showing up through XXXX XXXX. I need this account removed from my record. It is making it hard for me to do normal things like open bank accounts or apply for credit. I have never done business with Wells Fargo in my entire life. I have wrote a dispute to all 3 credit bureaus and waiting for their response.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (AZ)

I was unable to activate the debit card received by mail so was forced to call customer support multiple times. One call I was disconnected. I suspect the representative ended the call on her end, however, I learned later they accused me of disconnecting the call. As a result they locked me out of online access to my assets. Demanded excessive personal information over the phone. Demanded that I verify myself at a branch in person. All in the name of " security. '' This is clearly not about security, IT IS ABOUT HARASSMENT! I am trying to liquidate my assets and withdraw all funds, but they refuse my access to my own account and online banking. Without online access, cut off without warning, I don't even have access to such basic information as account balances or account numbers. This includes access to my Schwab banking account and brokerage assets. I WANT TO MAKE THIS PERFECTLY CLEAR. I CAN NOT EVEN PROVIDE MY ACCOUNT NUMBER SINCE I CAN NOT ACCESS MY ACCOUNT. AS WELL, I AM UNABLE TO ACCESS MY STATEMENTS FOR SUCH INFORMATION SINCE THEY ARE ONLY ACCESSIBLE TO ME ONLINE. IN SHORT, THEY ARBITRARILY, THROUGH ONE OBNOXIOUS/BELLIGERENT REP, CUT ME OFF FROM ALL ACCESS TO MY MONEY AND THE INFORMATION CONNECTED TO IT!

Addendum : I have subsequently been instructed that I will need to travel 80 miles to the closest schwab branch to personally verify my identity. PURE HARASSMENT PLAIN AND SIMPLE. Access to the account was cutoff with no warning under flimsy justification. I am XXXX and XXXX XXXXXXXX XXXX. How am I supposed to travel XXXX miles, two ways, to gain access to my account that I've had without issue when funding it, in order to get access to my roughly {$200.00} schwab is holding hostage? This account was transferred from an XXXX account that I maintained for many years. Now suddenly my identity is in question. Nothing seems a little fishy or fraudulent about that?
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I found a fraudulent charge on my account about a week and a half ago. I immediately reported the charge as fraudulent. Chase denies the claim within 3 days stating that the way the card was used can not be disputed. They refuse to show evidence of the claims. And refused to escalate the claim and let me provide evidence of me not making the charge.
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TN)

This appeared on my credit report In XXXX. I sent them a debt validation letter. They sent me information showing g this was a loan for XXXX it was taken out in my maiden name and from an old address. I have not used my maiden name since XXXX and also have not lived at this address since XXXX. I have not received any deposit from XXXX and can prove that. Someone took this loan out without my knowledge. I am asking g it be removed. They can find out who took it out by looking at where it was deposited. I'd also like to know because if someone has opened another bank account or something like that I need to know that so I can also report it.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Nothing happened to the following account below : I requested that they update the OWE amount to -0- and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in FULL and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (GA)

My vehicle was unrightfully repossessed in XX/XX/2023 less than 30 days after I made a payment. I was told that I had 3 months of non pay and that Ally had legal right to do so. I paid all monies due per the documentation and the verbal communication from Ally ; and the final amount was {$600.00} in excess of the repossession letter. My vehicle was released back to me a few days later. However, upon my request for the title to my vehicle, I was then told that I owed another amount of {$2900.00} as a final balance. This was never shared when in discussion to retrieve the vehicle. I specifically asked for the total balance owed to close out the account with Ally. I know this to be accurate because I was outraged that the vehicle was taken after I had just made a payment in XX/XX/2023. 

I have been calling for more than 90 days trying to dispute the amount that Ally claims is my final balance. In addition I began requesting details about the miscellaneous explanation of charges and the additional car note listed after I was told that I had no other car note owed. This is so unfortunate after 6 years and although my account was not up to date at times ; I am still a customer and I paid what was owed. I am asking for your help to right the wrongs of this company and force them to release my title.
Consumer complaint received 2023-09-20
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. (TX)

Credit Reporting agency was updated by me and sent certified letter on XX/XX/23 of blocking of account due to account not mine and illegally reporting actions. Company failed to update personal consumer report within four days as required by law. Proof provided that account in question is owned by entity and not by me personally in which this account is being reported
Consumer complaint received 2024-05-17
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. (NY)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MA)

DEAR CAVALRY SPV ; XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (TX)

I applied for a payday loan and cash central was given as an option so I completed the application. I provided them with my bank account number and routing number as well as my debit card number. The loan amount was not deposited and they were trying to charge me a random amount. My account has XXXX dollars so transaction was denied. I just want to make sure I report as I know they might charge me in the future. I will call my bank to cancel my account.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc. (ND)

This company called XXXX XXXX XXXX is trying to collect money from me and has put a negative item on my credit report. They say that the original debt is from a hospital in XXXX  from XXXX  but I have never been to a hospital or any medical facility in XXXX  and I was living in XXXX XXXX XXXX XXXX not XXXX. 
I have disputed this with the bureaus and the company itself to no avail.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

i just checked my credit for the first time and realized i have inquirires and accounts that are not mine, i need help in removing all these negative accounts that have never belonged to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ITEMS ARE MINE AND HAVE NEV BELONGED TO ME.15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete