davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (WA)

I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. Before I can engage in any further discussions regarding this matter, I am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
As per the FDCPA, I am entitled to receive validation of the debt, including but not limited to : Documentation proving that the debt collector has the legal right to collect this debt. 
Verification of the amount of the debt and an itemization of how this amount was calculated, including any fees, interest, or other charges applied. 
A complete payment history, detailing all payments made, credits applied, and any disputed charges. 
Disclosure of the original creditors information and any contract or agreement I may have entered into, bearing my wet signature. 
An explanation of how the current balance was determined, including interest rates charged and any other relevant financial information. 
Please note that this request is not a dispute of the debt but rather a request for validation and verification of its accuracy and legality. I am seeking full transparency in order to assess the validity of the debt and my obligations. 
Also, if this debt has been charged off, I am formerly requesting a copy of Form 1099-C for the cancellation of debt associated with my account. Understanding the importance of maintaining accurate and complete financial records, I am kindly requesting that you provide me with a copy of Form 1099-C, which reflects the cancellation of my debt. This document is essential for me to properly address my tax responsibilities and to navigate my current financial situation. 
I kindly request that you provide the requested documentation within XXXX  days from the date of this letter or delete this item from my credit report. Failure to provide adequate validation within this timeframe may result in my legal rights being enforced, including but not limited to disputing the debt and seeking legal counsel. 
Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this request. I look forward to receiving the requested information and resolving this matter amicably.
Consumer complaint received 2024-08-01
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

The credit bureaus are disrespecting the laws. I have showed them numerous of times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-09
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Since XX/XX/year>, I have received repeated fraudulent charges on my Citibank checking account/debit card from XXXX XXXX . I have never had a XXXX XXXX account and never made or authorized purchases for anything from XXXX XXXX. On approximately XXXX times, I've closed the debit card and had a new one issued. Yet, the fraudulent charges continue. I have called Citibank about XXXX times and spend literally dozens of hours on the phone and each time I call, they have no record of my prior calls. Each time, I go through the fraudulent charges XXXX by XXXX, which now total well over XXXX fraudulent charges exceeding {$2000.00} in total. And each time they promise a provisional credit, but I never get one. And each time I call back, they seem to have no record of me calling the prior time. Among the reference numbers from Citibank are : XXXX ; XXXX and XXXX, but there are more. On XX/XX/year>, I filed a complaint with the CFPB under XXXX. 

On XX/XX/year>, they credited me some of the charges back and on XX/XX/year>, this matter was closed by CFPB because Citibank claimed that they had credited the funds. Astonishingly, after the matter was closed, Citibank reversed the credits and has yet to provide any explanation. I have been trying to reach them for a month by email and by phone and not once have I received a response. It feels like this is deliberately deceptive practice by Citibank to avoid oversight in this matter. 

As a result, on XX/XX/year>, I filed a second complaint, Case # XXXX. On XX/XX/year>, Citi indicated that they agreed that I was wrongfully debited and wrongfully not credited back from the fraudulent charges and explicitly stated that my " claim has been honored and a credit in the amount of {$2200.00} will be applied to the account within XXXX business days. '' As a result, CFPB closed this second complaint. Astonishingly, after a week of not being credited, I contacted Citi but then was only credited {$500.00}. I opened yet another complaint with Citi 's ERU, Complaint no : XXXX, yet have received no response. At this point, it appears that Citi is engaged in deliberate fraudulent behavior in clear violation of the law and to avoid regulatory oversight. It is astonishingly brazen behavior and it must be rectified.
Consumer complaint received 2017-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

mortgage was transferred from XXXX to nationstar XXXX XXXX XXXX XXXX starting XXXX/XXXX/XXXX. 
Payment was received and than retuned by nationstar ( XXXX XXXX XXXX. and I began being charged late fees. 
I asked for a letter that My account would not reflect their mistake, and was told it would be in the mail, have left messages to be resolved.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I identified accounts on my credit that are results of identity theft. These items are not related to any transactions completed by me. I have read I have rights to have items blocked or removed pursuant to 15 USC 1681C-2. Please honor this request and remove all accounts from my credit report.
Consumer complaint received 2024-08-04
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 noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested two months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (KS)

I tried to ask for validation of debt from XXXX XXXX XXXX because it popped up on my credit randomly. Stated as joint collection but, parties involved were never listed. My debt was never validated to me the alleged consumer. Tried to dispute that in anyway possible to XXXX XXXX and equifax but they have not played their part accordingly by having the creditor validate my debt to me. No notice or anything was sent to me in the mail. I never even received an email or a link to pay alleged amount owed.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mandarich Law Group, LLP ()

My father, a retired XXXX  citizen, in the United States forwarded the a letter to me in XXXX where I have lived since XXXX. The letter states that it is from a debt collector and provides contact information for a law firm. 

The letter indicates that there is pending legal action on collections for a large sum of money charged in XXXX. It indicates that they intend to sue and further costs may be incurred. Since I do not have any familiarity with the law organization or the named creditor, nor can I place the charge amount in my own transaction history, I believe this may be a scam. 

I am also suspicious since it was sent to my XXXX  relatives address rather than my correct international address. The letter itself states that contacting family members regarding the information it contains is not legal, yet that does seem to be what they have done. 

I received no response from the company.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, 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 XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

Complaint Details I am over my deceased family member estate. CHIME BANK was notified after her death by sending over documents, death certificate, ID, PR information. For one barely any rep is trained in these type of situations since you speak to a differently rep everyday explaining the same thing over, a few will hang up on you as if they transferring but dont when they dont know what to do. Long story short after getting that squared away a month later, closure checks finally came. Before that came they had closed the account. I gave the first case number for the account in which they let me know I can not dispute online by email any longer since they changed that process this year XX/XX/year> for everyone. So I phoned instead. Got transferred to many people again until I got a rep that lied about him opening a ticket. Found out after I called back to check the status so I spoke with another set of reps before getting one with more knowledge. Case was finally created on two disputes, each was for a {$1000.00} when a female friend of the deceased fraduently used her card for her own needs. Bad enough this girl stole my niece wallet, ID, SS card, phone, and all as personal. The young lady transferred money to her XXXX XXXX. XXXX or XXXX business days went by before checking on the status. Thats when I had to find another good trained rep that told me the case was closed bc the account is closed. I said what sense was that when they told me to dispute this account for charges but not by email. That was unauthorized transaction that had nothing to do my deceased family daughter, funeral, and her in general. Like do your job and investigate. I have not received any letter to the address of mine someone notated received an email that they all kept notating. Yet somehow they still sent it to her address or email when she is deceased and I kept telling them to notate thoroughly the case. This bank needs more training, more reps that listen. Reopen the dispute and settled this unauthorized mess. I reported even on XXXX but from the back and forth with the company responding, their was no resolution, XXXX closed the case due to no end resolution.
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I had a credit card issued by Citi. According to Citi statement for the billing period XXXX/XXXX/2015 XX/XX/2015, they received my last payment ( {$4600.00} ) on XXXX/XXXX/2015. This was the total unpaid balance on my account on the day I paid. The statement for the billing period showed an unpaid balance of {$51.00}. After receiving this statement, I called Citi to close my account. I requested the person ( a female ) who closed my account to send me a letter explaining how they come up with {$51.00}. She told me that she can cancel this {$51.00} if I keep the account rather than closing it. I told her that I do not need this account anymore and willing to pay the amount. My only curiosity was to find out how they came up with {$51.00} while they received my full account balance of {$4600.00} on XXXX/XXXX/2015. She agreed to do that. While I am waiting a letter from Citi, I received a Citi statement in my email. To my surprise, this time the amount is {$77.00} ( {$25.00} penalty for not paying on time ). So I called Citi again. I again placed the same request as before to the person I talked to ( a male ). He agreed with me that he will send what I requested. Today, XXXX/XXXX/2015 I received by mail nothing but normal monthly statements ( past three months ) that are accessible to me online. I am pretty sure, they will send another statement claiming an unpaid amount of at least {$100.00}. I believe, as a borrower, I have the right to know how interests are calculated. Now it seems that Citi people, for some reason, do n't want to do that.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I believe the account is invalid. CITIBANK , N.A . needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.Citicard XXXX, Citicard XXXX and Citicard XXXX.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I contacted fifth third XX/XX/XXXX and advised someone made a ach charge I did not authorize as I dont have a single bill. 

I do not have overdraft protection on any account and I confirmed this with the chat rep on XXXX 

On XXXX i called and had fifth third close that checking account XXXX so no one could make another unauthorized charge. 

Yet a day later they used my funds in my savings account to cover unauthorized charges and said it was because the overdraft protection. 

Again, I opted out of all overdraft protection. I do have an attorney and I am familiar with software. We can subpoena for fifth thirds phone calls from XX/XX/XXXX and the chats from XX/XX/XXXX. Anytime a change occurs on an application it is written to the system log. Since I did not enroll myself in overdraft protection we can subpoena for the system log for the fifth third banking application as well if needed. 

I also asked to speak to a supervisor at XXXX on XX/XX/XXXX and she disconnected and did not call me back. 

Im hoping fifth third rectifies this issue immediately because I rather do business with a better bank who protects my money. Unfortunately I will close all my accounts with fifth third this week unless this is rectified and will provide all necessary parties detailed proof of these remarks.
Consumer complaint received 2024-06-25
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. (VI)

Citi credit card XXXX and XXXX purchases of approximately {$5000.00} were made on my account someone got the information some how and charged all these items. 

Citi was not forthcoming and kept saying will investigate and wait to business cycles and now I receive XXXX letters saying not fraudulent activity.. amount of {$190.00} XX/XX/XXXX and {$640.00} on XX/XX/XXXX as well. 

I am XXXX and hard of XXXX  and their questions were confusing but I know I did not use these service I was bill for. And this is the first