davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NC)

I filed a dispute with Experian about a collection agency that claims they are collecting a debt for me on behalf of XXXX. I asked to collection agency to provide documentation with my signature as proof of debt. To this day the collection has not been able to do this but Experian still agrees with the collection agency and says the debt is valid.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (MD)

This is the second credit reporting issue I have had with upgrade. The first one was, Upgrade reported me XXXX  days late when in fact I was not, I was in a hardship program with them. That was corrected on XX/XX/XXXX. Now I received an alert that the loan amount balance is {$90000.00} and the original loan amount was XXXX. This is the second reporting error less than a month which has affected my score XXXX. This is a stressful situation, and something needs to be done about this. I have attached my actual original loan document. In addition Upgrade does not even offer XXXX personal loans.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Kenosian & Miele, LLP (CA)

Received letter notifying me of wage garnishments ( not working, I am retired ) and bank levies. 
XX/XX/XXXX They also placed a lien on a property I do not own. 

XX/XX/XXXX - In communications, they have insisted I owe this debt to XXXX- the debt is now owned by a collection company in concert with an attorney 's office.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Media Collections, Inc (GA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (PA)

Our mortgage was recently transferred to a new loan servicer ( NewRez ). 
I noticed we had a deduction of our monthly mortgage payment twice erroneously on XXXX and XXXX. I called daily for a week with no resolution aside from being told " refund is in process ''. 
Called Friday, XX/XX/year> and asked to speak to a manager. He was investigating why we had not received our refund yet ( of {$5000.00} ) as it was taking longer than typical. He said he would call back by XXXX that day. No call received. I then reached out to my loan officer to try to expedite the issue. His group reached out to management, and I was told check was being sent that day ( Friday, XX/XX/year> ). 
I call again today to find out when we would get this check. Told it would take 7-10 business days.

So many issues with this. 1 ) How can a mortgage company directly ACH from our bank account yet not give the money back electronically? 2 ) I was getting no follow up responses.3 ) Our bank account is now significantly lower with other large payments due. 4 ) The mortgage company should be responsible for our account now going on 2 weeks of no interest accruing either.

Any advice or assistance is appreciated.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

My bank account was hacked and {$17000.00} was stolen from my account in the form of 64 different ATM withdrawals and withdrawal fees. I filed a dispute for these transactions to my bank and they denied my claim. So I filed a rebuttals and they denied that too and refuse to refund me my stolen money as a result
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MN)

To the best of my knowledge, American Express has violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) by calling me on XX/XX/XXXX, at XXXX XXXX Central Time, regarding collections for three accounts they closed in XX/XX/XXXX. Despite my explicit instruction to communicate solely via mail due to the inconvenience of receiving calls during work hours, they proceeded to call me, which constitutes a violation. Specifically, these actions breach FDCPA codes 15 U.S.C. 1692c ( a ) ( 1 ) ( Communication in connection with debt collection ) and 15 U.S.C. 1692d ( 5 ) ( Causing a telephone to ring repeatedly or continuously ). Additionally, under Minnesota Statutes, this conduct may violate Minn. Stat. 332.37 ( 12 ) ( Harassment and abuse ) and Minn. Stat. 332.37 ( 13 ) ( Calling repeatedly or continuously with intent to annoy or harass ). 

Additionally, American Express has failed to provide me with proof of ownership of these accounts and proper validation of the debt. Instead of the required documentation, they have only sent statements that list the expenses made on these accounts. This lack of proper paperwork hinders my ability to adequately address these accounts with my attorneys and accountants. Without the necessary proof of ownership and debt validation, I can not ensure the accuracy and legitimacy of the amounts claimed. This failure to provide the correct information is essential for my legal and financial advisors to effectively manage and resolve these matters. 

The specific codes and statutes violated by this failure include : FDCPA : 15 U.S.C. 1692g ( b ) : Verification of debts - If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
Minnesota State Statutes : Minn. Stat. 332.37 ( 9 ) : It is prohibited for a collection agency or collector to fail to provide a debtor with information about the original creditor within 30 days of the request.

Minn. Stat. 332.37 ( 12 ) : Harassment and abuse - It is prohibited to use any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Cardholder deceased. Death certificate has been submitted multiple times. Phoned XXXX on XXXX and on XXXX spoke to XXXX XXXX and XXXX to cancel due to death . Citibank refuses to close account. So sad and so upset.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CA)

I am writing this statement in order to complain about the Verve Credit Card dishonesty and extorsion. When i opened the card approximately 2 years ago, i had no problem for the first six months with the card company. I paid them on time. After about six months later I would receive large bills for fees and who knows what else. However, I continued to deal with them but on a limited basis, i.e. I barely used the card. Then in XXXX, I received a bill for over {$300.00}, an outrageous amt of money. Nevertheless, i paid it off. 
In XXXX I receive a bill for {$31.00}, for nothing, In XXXX i received a bill for {$73.00} fees {$41.00}, I bought nothing with the card. XXXX {$10.00}, I also paid that, XXXX {$52.00} for nothing. I paid that also. XXXX {$10.00}, i paid that also. 
Here comes the XXXX bill of {$100.00}, for absolutely nothing. IDONT USE THEIR CREDIT CARD. 
Sometimes, I have paid by via registered mail, they received the registered mail by deny they received it Many times I called, and they gave a foolish response about some other office, I am requesting that I officially end the card service with them with no affect to my credit score, I refuse to pay the {$100.00} as they claim I owe, I do not want any credit card from them now or future.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (MD)

From the info used about the {$1000.00} credit limit my income is SSI snd a ssi limit can not be used to pay a debt or be taxed per the XXXX  ssa act the debtvhas to waived.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (CA)

In accordance with the Fair Credit Reporting Act, this account 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 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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : 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 Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida 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 XXXX
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

I have been getting charged {$26.00} from XXXX every month for years now. They are charging me and I don't receive any services from them. I called and they cant find my account, but on my citibank checking account bank statement every month i'm being charged the {$26.00}. I am XXXX years old and living on fixed income, these charges are effecting my life.I am not covered by XXXX and despite my attempts I am never able to get stop these charges as they claim they can not find my account, but clearly they are still charging me every month. They sent me a policy tracker I mailed it out and never received a response.
Consumer complaint received 2023-10-20
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. (NC)

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} JXX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) XXXX Balance : {$380.00} XX/XX/XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XX/XX/
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

I contacted experian concerning this debt and was advised that my information it crossed with another individual. I even contact affirm concerning account but was advised to contact them through the app. My next step was sending a request of proof of debt owe to there mail address XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX. Never received anything back from the company concerning how I owe a debt that I never applied for.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The following creditors I have no knowledge of giving authorization to check credit and request proof of, such as signed agreement which will resolve issue. 
I have inquiries : Capital one car dealer which I have never been. 3 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in XXXX Also consumer XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Capital One XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX In addition to the negative reports by XXXX, XXXX, and XXXX
Consumer complaint received 2023-10-20
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. (NY)

XX/XX/XXXXAccount # XXXX Balance {$610.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$72.00} In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC. (NY)

Before I get into this issue, I noticed previously the amount in my accounts didn't add up, the dates & how funds we I didn't make that day would disappear from my account. On XX/XX/year> I Purchased XXXX tickets amounting to {$430.00} USD. The money was in fact taken out of my account on XX/XX/XXXX, before I purchased the tickets, I looked at my account amount & after I purchased the tickets, I checked again for how much I had left. On XX/XX/year> after going to XXXX XXXX & the store for the morning ( XXXX purchases ) I go into the XXXX app to order some food but after I do that I have to unlock my card, I go into my XXXX account & see that I have less that {$700.00} usd in my account. I had over {$1100.00} after I made my XXXX purchases for that day the XXXX, In the XXXX app it said I had XXXX transactions for the day which I did not make for those days besides my stated XXXX purchases. I see that on XX/XX/year>, I was again charged for XXXX tickets & other items I did not make that day. XXXX has taken money off of my card 2 times for the XXXX tickets. I called XXXX directly & they have confirmed via phone that on XX/XX/XXXX my tickets were purchased & a confirmation email for those tickets were sent to my email. XXXX also stated they will send another confirmation via email with XXXX hours of that purchase. Regarding Sofi The dates I make my purchases continually do not match up with the dates I made certain purchases. They in this instance has taken money out of my account twice for these XXXX tickets On XX/XX/year> & XX/XX/year> weather they pending transaction the money HAS BEEN taken off my account. With all that being said my account has had money taken off of it twice for XXXX purchases I made, The dates certain purchases are made are wrong and do not reflect the correct dates, In transaction history the checking amount suggests they are actively taking money out of my account without my knowledge for example on XX/XX/year> in my transaction history on the SoFi app I had {$1600.00} after a XXXX XXXX purchase. I then Put {$700.00} usd into my savings account, leftover in my checking account I had {$900.00} - {$19.00} = {$880.00}. On XX/XX/XXXX remember I said I only made XXXX purchases before I noticed money gone from my account, not account for the purchase I actually made that day I have a charge from XXXX for the XXXX time {$350.00} for the plane tickets & {$78.00} for my seat tickets for that trip, a XXXX money transfer to XXXX for {$62.00}, XXXXXXXX XXXX  for {$58.00}. I DID NOT MAKE THESE PURCHASES the day of XX/XX/year> but in the SoFI history it has it as that.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased a used car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  XX/XX/XXXX. 
At the time they offered credit acceptance as a loan provider. During the sign up with credit acceptance I was at the office for hours, eventually being handed a stack of papers needing to be signed. I was not aware of the interest rates, or other charges outside of the XXXX I had agreed to at the sale, nor that I would not be receiving my only request which was to have a GAP insurance policy for the vehicle in place, which I was told would be. I was led to believe by both the auto sales guy and the creditor that I was signing up in good faith. Few days following the purchase I was calling around to verify coverages XXXX XXXX XXXX, and was told that based on the loan value, I was not given Gap insurance for the vehicle. I left the matter alone, however in XXXX while in XXXX my vehicle was stolen & reported. I did not have comprehensive coverage that covered out of collision damages at the time. Explained the matter to credit acceptance however they were unable to help me, knowing wholeheartedly that I had asked for the XXXX coverage at singing and was denied as well as other misrepresentations. I feel scammed, now I am financially struggling and can not even find adequate housing because of credit acceptance greed, misrepresentation and scam. they also continue to call me XXXX times a day from XXXX numbers although I have informed them several times of the circumstances they have lured me into.