davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Account XXXX XXXXXXXX I am writing to bring to your attention a concerning experience I recently had with XXXX of procollect employees, XXXX XXXX XXXX regarding an outstanding debt reported by Procollect. 
Firstly, I must express my frustration regarding the reporting of a debt as open and late payments to all three credit bureaus. This account has been closed, and I have diligently attempted to settle the outstanding balance since XXXX However, my efforts have been thwarted by XXXX XXXX, whose conduct has made resolution impossible. 
Specifically, I requested documentation from XXXX XXXX validating the original debt purchased from XXXX XXXX. Regrettably, XXXX XXXX outright refused to provide any documentation and dismissively stated that he was not obligated to engage in such discussion with me. His demeanor throughout our interaction was unnecessarily rude and unprofessional, and he continuously interrupted and spoke over me, denying me the opportunity to address my concerns. 
Furthermore, despite assurances from another agent I spoke with on XX/XX/XXXX that I could visit the office located on XXXX XXXX in XXXXXXXX XXXX  to discuss and settle the debt with XXXX XXXX, he contradicted this information and insisted that payment must be made over the phone or online, still without providing validation of the debt as I requested in XXXX. His insistence on this method of payment, coupled with his dismissive and aggressive attitude, only served to escalate the situation and hinder any progress towards resolution. 
XXXX XXXX 's behavior is not only unprofessional but also counterproductive to the objectives of debt collection. His lack of courtesy and unwillingness to cooperate effectively obstructs consumers ' efforts to address their financial obligations. It is my firm belief that such conduct is in direct violation of ethical standards expected in your industry. 
Given the circumstances, I respectfully request that the debt in question be removed from all three credit bureaus. I am prepared to pursue this request under relevant legal provisions, including but not limited to 15 U.S. Code 1681- Congressional findings and statement of purpose. 
I trust that you will address this matter promptly and take appropriate action to ensure that future interactions with Procollect representatives are conducted with professionalism and respect. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (KY)

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 : 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 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 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

I am set up on autopay. The loan servicing company changed companies ( bought or moved to a new company ). They said there was nothing needed on my end. Everything would stay the same, including autopay. 

Unforuntately, when XXXX came around I was not seeing a debit being pulled. Then XXXX a debit was pulled but then on XXXX it was reversed stating the account was closed from my bank. My bank account is not closed and it had funds waiting. 

I made a manual payment on XX/XX/year> for the full amount. The next day they are charging my bank account twice for the mortgage payment. They autopulled from the bank account they said was " closed '' - and they charged me a late fee of {$25.00}. 


I dont understand why I have a late fee if I had autopay set up with a working bank account with the money present. 

Now they are charging my bank account twice.
Consumer complaint received 2024-06-11
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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/year>, the mobile game " XXXX XXXX XXXX XXXX '' had a promotion for a XXXX free trial, and then after that be charged {$9.00}. I accepted the free trial but was immediately hit with a fraudulent charge I never agreed to. My credit card, Apple Card, has refused to accept the mountain of evidence against these charges and is refusing to refund my stolen money. Over XXXX people online have complained about this exact fraudulent charge, and Apple does nothing. I have spent hours with representatives trying to get back money Apple has stolen from me, at this point I think it's best if the CFPB steps in. I would honestly love it if you guys penalized them monetarily or something, it's incredible to me that a company can simply steal money like this without any repercussions. In addition, when I reached out to Apple Card regarding the dispute, I'm told they refused to do so on in-app purchases. Lovely!
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Account Information : Account Number : XXXX Date Reported : XXXX XXXX, XXXX Account Type : Auto Loan Account Status : Open ( Should have been marked as closed after 180 days of delinquency ) Disputed Inaccuracies : Failure to Investigate : Despite my request and the statutory obligations outlined in the Fair Credit Reporting Act ( FCRA ), Credit Acceptance Corporation has failed to conduct a proper investigation into the inaccuracies on my account. 

Failure to Report Investigation : Credit Acceptance Corporation has neglected to report the results of their investigation to the credit reporting agencies, which is a direct violation of the FCRA. 

Account Not 100 % Accurate : The account information reported is not accurate. Despite statutory guidelines specifying that the account should be marked as closed after 180 days of delinquency, it is still marked as open. 

Legal Violations : FCRA Violations : Credit Acceptance Corporation is in violation of FCRA Section 1681s-2 ( b ) by failing to provide accurate and complete information to the credit reporting agencies.

FDCPA Violations : The failure to conduct a proper investigation and report the results to the credit reporting agencies constitutes a violation of FDCPA Section 807 ( 8 ) and Section 809 ( b ).

Requested Action : I request an immediate and thorough investigation into the inaccuracies and violations mentioned above. Additionally, I demand the removal of this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ), in accordance with FCRA Section 1681i ( a ) ( 1 ) ( A ).

Further Actions : I intend to pursue this matter further by involving my legal representation, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), and submitting a complaint to the XXXX XXXX XXXX ( XXXX ) if necessary. 

I expect your prompt attention to this matter and a written response within the statutory 30-day period. Failure to do so may result in further legal action. 

Summary : The reported account, which should have been closed after 180 days of delinquency, continues to be inaccurately reported as open. This situation reflects a failure by Credit Acceptance Corporation to properly investigate and report the status of the account, thereby violating FCRA and FDCPA regulations. Immediate corrective action and a thorough investigation are required, and further legal steps will be taken if necessary. 

Thank you for your immediate attention to this matter. 

Sincerely XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

i received my california state deposit of XXXX on XX/XX/XXXX and no problems withdrawing or paying bills, but yesterday morning at XXXX XXXX  i was issued my social security deposit of XXXX and made a withdrawal at an atm the max of XXXX and when i went to make a second withdrawal it denied it than i paid my storage bill and it froze my account. i do not agree with how i was treated one supervisor called me a liar and i was given the run around. i asked why did they need to verify my identity if i already had an account freeze for this in XXXX this year and prior to that i had sent my identity documents upon opening my account.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account has violated my rights ; Validate Account JPMCB CARD XXXX 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. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : JPMCB CARD XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below.
Consumer complaint received 2024-06-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

My identify was used at an apartment complex, once I saw the debt and collection show on my credit I called the apartment. They did nothing to help, provided no information for my use or temporarily fix my credit score. I have a police report filled with XXXX XXXX and am in contact with a detective in the XXXX
Consumer complaint received 2024-01-27
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I am writing to bring to your attention the presence of fraudulent activity on my credit report. Upon reviewing my credit report, I have discovered unauthorized accounts and transactions that I believe to be a result of identity theft.I have attached supporting documents, such as police reports and any other relevant evidence, to substantiate my claim of fraudulent activity
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC (PA)

I just received an update on my credit score and went down and reason was an old balance that has had multiple months to update but failed to due so. So disappointing since paid down the whole balance. So fast to hurt my credit but very slow to update. Unacceptable!
Consumer complaint received 2024-06-10
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: Westlake Services, LLC (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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AutoNation Enterprises Incorporated (CA)

AutoNation Finance is reporting to the credit bureau that I have a loan with them for {$24000.00}. I did not authorize or requesting this loan. During the period of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was XXXX. I could not have requested or signed any documents for this loan. This account was opened fraudulently. Im requesting this be investigated thoroughly and removed from my credit report. I have tried disputing this using XXXX XXXX. Now proceeding to the next step.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 2024-06-10
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: American Credit Acceptance, LLC (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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AK)

On Friday XX/XX/XXXX, I submitted a wire transfer request via phone to my XXXX XXXX checking account. I have used this checking account for back and forth transactions for years. They confirmed the wire. On Saturday XX/XX/XXXX, I received an email from Marcus that they needed more information. They were unable to confirm me via my phone number ( phone number recently changed ) or my driver 's license ( stated they can not verify my Alaska for some reason ). They were unwilling to confirm my identity any other way and would not give me any more information. I am closing on a house on Tuesday and this is not acceptable.
Consumer complaint received 2024-06-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (IN)

On XX/XX/year> between XXXX : P.M. and XXXX : P.M I tried using my Direct Express Card at the ATM at the XXXX XXXX FCU located at XXXX XXXX XXXX. XXXX, XXXX, XXXX. The ATM stated that it was unable to process my request @ this time, the machine was not working properly and it held my card for a few seconds longer than normal before it finally released my card. I went inside the bank and told XXXX of the tellers of my situation. Since I didn't receive any funds {$700.00} from that ATM, my rider XXXX XXXX and I went to the XXXX XXXX XXXX XXXX @ XXXX XXXX, XXXX. XXXX, XXXX. I tried to withdraw {$700.00} from my Direct Express card but the teller said that it was unable to process that amount. I then tried to withdraw {$500.00} with success. I called the card info line to see why I could not withdraw {$700.00} and found out that my balance after the {$500.00} withdrawal was {$700.00} short. I immediately tried to contact Direct Express to find out why {$700.00} had been taken off of my Direct Express card. I wasn't able to contact them until the following morning due to the fact that I was on hold for several hours before anyone finally answered my call. Whenever I was finally able to speak to someone, I was told that I needed to file a complaint with the complaint department who only work Monday thru Friday and this was now Saturday morning. The person that I spoke with took the info and gave me a case # XXXX. After speaking with the complaint department on Monday, they gave me a provisional {$700.00} until they investigated the situation so they say. On XX/XX/XXXX when my XXXX deposit was put on my Direct Express Card, Direct Express took the {$700.00} back and my case was closed out. According to the bank XXXX XXXX XXXX XXXX and Direct Express they say that I received the {$700.00}, which is NOT TRUE. I have sent several emails trying to get them to please look into this matter more carefully. I have ask for the bank to look @ their surveillance camera and for Direct Express to send me a copy of my XXXX statement. Nothing else have been done by these companies to assist me in getting my money. Direct Express have government contracts and they treat recipients as if we are not important. I don't know of any actions that were taken by either company as no one has given me any thing in writing. The little bit that I have been told has been all verbal.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.