davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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: PENNYMAC LOAN SERVICES, LLC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

I would like to file a complaint against XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Consumer complaint received 2024-08-19
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. (OH)

These three illegal collections are fraudulent and they need to be removed off my report. These three accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! Please!!!! I have 0 inquiries on my credit file is locked on experian now please remove these last remaining fraudulent items PLEASE!!!!!!! 

XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/year> XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (NC)

I have asked this company to cease all contact via phone, text, email, and credit report according to U.S. code 15, 1692c Communication in connection with debt collection.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collector 's further efforts are being terminated ; to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be completed upon receipt.
Consumer complaint received 2024-06-07
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. (CA)

Called Citibank MasterCard and told them somebody stole my credit card number and charged a bunch of items up to {$17000.00} in the state of Florida. I live in XXXX California and have actual possession of the physical card. Citibank is researching the fraud
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (CA)

Request charge-off removal in the amount of {$5800.00}. Do code 15 USC 1681EB- IRS considers forgiven debt. The debt is canceled. The credit agencies has to report maximum accuracy. This isn't accurate. And should be removed immediately by law.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (FL)

On XX/XX/year>, I requested documents from this company with my original signature on a contract. Also this company is not licensed in my state ( Florida ), to collect on any contract. This violates my HIPPA law. I have never agreed to do any business with this company.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC (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 : CREDIT MANAGEMENT COMPANY XXXX {$2100.00} XX/XX/year> 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 ) ( XXXX ) 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 2024-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX in violation of FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 and 16929 ( a ) failed to provide Validation of debt of the fraudulent purchases made on my account and then filed a lawsuit case number XXXX in XXXXXXXX XXXX without providing Validation of the fraudulent debt. XXXX XXXX XXXX never provided the information requested to validate the debt. the response of XXXX XXXX XXXX XXXX is a total fabrication of the facts. The mailing address they refer to is not mine I have received no documentation to validate the fraudulent debt. Citi Bank and XXXX XXXX XXXX XXXX use Deceptive and illegal tactics to get a civil judgment without due process. An address was provided to them for service of Court documents and documents Validating the fraudulent charges made in my name and on my Home Depot account account XXXX XXXX XXXX XXXX provided a copy of an unsigned Loan application and provided No signed recites or signed Contracts to substantiate the alleged Fraudulent debt Citi Bank and Home Depots were allowed to a cure in my name without my consent
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc. (WI)

I am writing to file a formal complaint against Aqua Finance regarding their handling of an account on my credit report. Despite my efforts to resolve this matter through the proper channels, Aqua Finance has failed to respond to my requests for debt validation.
Consumer complaint received 2024-08-19
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. (VA)

I was XXXX  from XXXX till XXXX in the XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX  XXXX card was opened on XXXX of XXXX .. Once I was released, I got a copy of my credit report and I notified XXXX and XXXX XXXX about these accounts and I also notified all 3 credit bureaus about this and they removed them from my report. Then they were put back on my credit report because XXXX and XXXX XXXX said that they were my accounts but I never opened them. I was XXXX. I sent proof to them and to the credit bureaus. XXXX and XXXX XXXX still maintains that they are my account and they are not. Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

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 Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX 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 2024-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX Chase restricted my account without letting me know until I try to use my XXXXXXXX XXXX and it said my account has been suspended to contact them so my account when I get close but when I did, they said that theres nothing for them to do because Chase no longer wants a relationship with you and close my account and They restricted all my money and not giving it back they sent me a message at XXXX and didnt give me a chance to contact them when I called them they said it was and generic messages
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

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 Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-06-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

I don't have a date other than XXXX when I received a debit card for an apparently fraudulent ATM card for a citi bank account that I did not open. Upon calling them and explaining this situation was mailed paper work to be filled out and sent back. Having done this was notified that my fraud claim was denied. Called them to say that if I had opened this account ( which I did not ) I should be able to close it. Was told that the account could nat be clossed until an appeal had been made. I don't want to appeal but if they feel that I opened the account I should be able to close it.
Consumer complaint received 2018-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (IL)

My student loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is not  acting ethically in the way my extra loan payments are allocated. They have mandated that my payment is due on the last day of my " billing period '' each month. As a result, there is only one day, out of each and every month, that I can make an extra payment and have it applied directly to the loan token/loan number, of my choosing. 

As an example, my payment is due on the XXXX of the month, which they have determined to be the last day of my billing period. If I schedule an extra payment any time after that, they tell me I have not yet met my payment for the " new billing cycle. '' They take that extra payment and break it up across all my loans ( which is allowing them to take my monthly payment 29 days in advance and still making sure they are controlling where my money goes. ) As a result, any time before or after my payment is due ( XXXX of the month ) they control where it is applied. 

They have refused to change my billing payment period or my payment due date.I can not be the only student frustrated with this process. Student loan debt is out of control due to heavy handed tactics such as this. I have spoken to Great Lakes representatives numerous times and they always insist that this is their policy with EFT ( Electronic Funds Transfer. ) I do not want to change out of EFT because of the additional incentive they provide, that is a reduced/discounted interest rate for those signed up for EFT.
Consumer complaint received 2024-06-07
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Navient Solutions, LLC. (FL)

I am writing to provide a brief account of the misleading practices I encountered while attending the XXXX XXXX : Accreditation Status : I was falsely informed that the XXXX XXXX was fully accredited. 
Transferability of Units : Credits earned were claimed to be transferable, but they were not accepted by other institutions. 
Employment Success Rate : The advertised high employment rates for graduates were significantly lower in reality. 
Expected Salary : The actual salaries offered were much lower than what was promised. 
Despite attempting to address these issues with the XXXX XXXX and Navient, I have not received satisfactory resolution. Specifically, Navient refused to provide me with the School Misconduct Files and Application, stating : " Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. '' Thank you for your attention to this matter. I look forward to your response.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (CA)

I went to XXXX XXXX XXXX on XX/XX/year> to withdraw XXXX. The XXXX  said take cash. However, the door that dispenses cash did not open and error message unable to dispense cash. So I went outside to use the atm to get cash and it stated insufficient funds. I called Direct Express only to be told that I have to wait XXXX days. 

I call XXXX XXXX XXXXXXXX and they said they are not responsible. I have bills to pay and I have never been late. 

I called Direct Express back and spoke to XXXX XXXX XXXXXXXX. Was told that I can possibly get a provisional refund. 

Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did get a claim number. Its in this email at the bottom. I did my claim by email. 

Any questions please call me XXXX XXXX Sent from XXXX XXXX for XXXX
Consumer complaint received 2024-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

" 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 CAPITAL ONE - 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MA)

I am writing to formally dispute the following information in my credit report. The items I am disputing are listed below along with the reasons for my dispute. According to the Fair Credit Reporting Act ( FCRA ), this information must be removed or corrected if it is found to be inaccurate or can not be verified. 

The disputed items are as follows : - **Account Name** : MIDLAND CREDIT MANAGEMENT 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  - **Recent Payment** : None - **Monthly Payment** : None - **Original Balance** : {$1100.00} This information is inaccurate and should be deleted from my credit report. 

As a consumer, I also request to know all the steps your agency took to ensure these items were 100 % accurate. Under 15 U.S.C. 1681i ( a ) ( 7 ), a consumer reporting agency shall provide to a consumer a description referred to in 15 U.S.C. 1681g ( c ) ( 2 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided by the agency, including the business name, address, and telephone number of any furnisher of information contacted in connection with such information, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. 

Additionally, under 15 U.S.C. 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please provide a description of the verification procedure you used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this information.

I expect your prompt investigation and resolution of this matter, as well as a response within the required 30-day timeframe.

Thank you for your prompt attention to this important matter.

How and what method did they use to verify and investigate this account.
Consumer complaint received 2023-11-14
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX AND XXXX # XXXX THEY HAVE 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 2024-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

There was a XXXX XXXX liquidation website that was promoted regarding clearance of musical instruments, I tried to buy what I thought was a liquidation sale for an alto saxophone at checkout PayPal purchase using my debit card was the option best available to me at the time after the transaction was processed I get a receipt from PayPal in my email advising I had sent a money transfer to a person named XXXX XXXX and not XXXX XXXX music store. 

The fracture created a fraudulent website and used a PayPal gateway to take payments online. 
It's not until the transaction is completed that the PayPal receipt indicates the payment was sent to the person and not a business. 

I tried to resolve the issue with PayPal directly but since I did not have a PayPal account at the time I had a lot of trouble trying to submit a dispute but I eventually was able to. 
PayPal did not call me nor request any additional information by email and they closed the case in the fraudster seller 's favor. 
My closed case number is : XXXX