davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear Consumer Services Department, When I was younger about XXXX years ago I was given a bad check and was told it was for a online job I was supposed to start soon and I'm supposed to get my work from home equipment from that check to get started with work but unfortunately it was a fraudulent check and by the time my bank had informed me it was too late. I am writing to formally request to opt out of all information sharing and data collection activities conducted by XXXX XXXX XXXX under my name and personal information. 

As per 15 USC 1681b, a consumer reporting agency may furnish a consumer report under certain permissible circumstances. However, no such formal written instruction was provided by me, the consumer, to furnish or share my personal information with Early Warning Services. Therefore, I am exercising my rights under this code to withdraw any presumed consent for data sharing and to cease all related activities immediately. 

Please confirm receipt of this letter and the completion of my opt-out request at your earliest convenience. I expect that all my personal information will be removed from your databases and no further reports will be furnished or shared. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to file a formal complaint against Chase Bank for an unauthorized withdrawal of all the funds from my account without my consent. 

On XX/XX/XXXX, I discovered that Chase Bank had withdrawn {$1800.00} from my account without any authorization from me. This action has caused significant inconvenience and stress. 

On XX/XX/XXXX, I requested that a XXXX account with a XXXX balance be closed. Chase, by mistake, attempted to close my checking account and withdrew all the funds from it. This is not something I authorized or agreed to.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

Today I received mail from the law firm Mullooly, Jeffrey, Rooney & Flynn XXXX ( MJRF ) that violates the FDCPA. 

I would refer you to 804 ( 5 ) : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I'm attaching a copy of two envelopes from correspondance I received from MJRF. 

You'll notice the return address clearly shows it is from " The Law Offices of Mullooly, Jeffrey, Rooney & Flynn XXXX '' This clearly advertises the fact that the communication is from a debt collector, as the office of MJRF is involved in a singular enterprise, debt collection. 

I can only assume since the return address is printed on there they violate the FDCPA with every single mail they send out.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I have requested multiple times that the debt collector Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) do the following : 1. Direct all mail to my XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 2. Call me XXXX XXXX They insist on sending letters to " XXXX XXXX XXXX '' and to my physical address. 

This is problematic as I live on a busy road and stuff from the mailbox routinely goes missing. I have complained to the post office, but not gotten anywhere. 

I therefore must insist that they start using my preferred address and calling me by my preferred name. 

I would note, everything of importance I have mailed to my po box , which they'd know if I actually owed the debt ( which I do not ).
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

Adverse Action and defamation of character LVNV Funding I, the consumer and natural person, was a victim of identity theft, by XXXX XXXX XXXXXXXX XXXX XXXX XXXX discharge the debt 1099C and then sold the debt to LVNV Funding. 

Adverse Action against consumer is against the law according to the equal credit opportunity Act which is codified in 15 U.S.C. 1691c and pursuant to civil Liability under U.S.C. 15 1692k you are subject to criminally liability for violating 15 U.S.C. 1691c as I have been discriminated and defamation of character by XXXX XXXX and LVNV Funding in response I received from XXXX XXXX and LVNV funding of discharge of debt 1099C XXXX XXXX  and LVNV Funding is in violation of the 15 U.S.C. 1642 U.S.C.1681m and CFR 1002 the parties XXXX XXXX and LVNV funding iusse application without buy knowledge and both parties also discharged debts and but that credit was not issued to me Futuremore because my social security number ( credit card was used and I received no benefits but defamation of character and inaccurate reported and harassed and garnished my pay check. This is proof of fraudulent activity ( anathourtized use of credit card on behalf of LVNV funding and XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

The firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) has stated that " This office does accept service by email or fax. '' However, in the state of NY, we have the following language, which was included on the summons and complaint " An attorney representing a party who is served with this notice must either : 1 ) Immediately record his or her representation within the e-filed matter on the NYSCEF site www.nycourts.gov/efile ; " The documents in my law suit were electronically filed. 

I have asked XXXX XXXX of MJRF why MJRF thinks they have the right to not engage with email. 

I have not received a response. 

It seems to me this is an effort by MJRF to erect artificial hurdles to communication. There is no reason I should not be able to talk to them via email, and they are introducing artificial delays by trying to avoid using email. 

Thank you, XXXX
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (GA)

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. 
Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Consumer complaint received 2024-06-10
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: EQUIFAX, INC. (CA)

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 inquires not authorized XXXX XXXX XXXX, XXXX XXXX not my names incorrect
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A. (WI)

I called XXXX bank to settle a XXXX XXXX XXXX credit card debt. They couldn't find the debt as it was sold to a collection agency. So I called a firm claiming to handle the debt. I was transferred to a man named XXXX at XXXX. I offered to settle to debt. I made a offer of 30 % of what they claimed I owed. He put me on hold several times He acted like he was sick. He came back twice without any counter offer and said his supervisor told him he can't settle the debt. So I am writing to you as I want to settle the debt but I can't negotiate against myself. This was a good faith effort to settle and pay this debt. I am trying to buy my 1st home ever and I need this cleaned up in order to get the loan for the home If they won't work with me how am I suppose to move forward? I have attached the name of the companies involved in the paperwork I have been sent. Now that I have started to look for a home they are harassing me to pay this debt in full I don't fee this is fair because for the last 12 years I didn't even know this debt was hanging out there until now. I appreciate any help you can give me on this. I really want to settle the debt and move on. Thank you.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with FCRA. The accounts listed below violated my rights to privacy and confidentiality under 15 USC 1681 CXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # 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 consumer reporting agencies can not furnish an account without my written instructions 15 U.S.C, 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to the consumer to any credit reporting agencies if the person knows or has a reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to your esteemed organization to request an update and correction of the personal formation section of my credit report. I would like to remind you that it is not only the responsibility of the creditors but also yours to report only true and accurate information. 

I have taken the initiative to update my personal information with all the creditors listed on my report. If any of them are still reporting anything other than the information provided below, it signifies a failure to report accurate information. Therefore, I demand that you delete their reports from my account immediately. 

Furthermore, I want to draw your attention to certain erroneous information that is still present on my credit report. As you are required to report only true and accurate information, this will be my final request for you to rectify the mentioned data before I proceed with filing a complaint and potentially initiating legal action. 

Kindly delete the following information from my credit report : [ XXXX XXXX XXXX XXXXXXXX, GA XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I eagerly await your prompt response. In addition, I kindly request that you include a copy of my updated credit report reflecting the changes made. This will enable me to review the modifications and ensure that my credit information accurately reflects my current financial standing. 

Thank you for your attention to this matter. I trust that you will handle it with the utmost professionalism and efficiency. Should you require any additional information, please do not hesitate to contact me.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I don't recall having a contractual relationship with this collection company MIDLAND CREDIT MANAGEMENT. 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.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion keeps taking my credit score down without a reason. on XX/XX/XXXX they lowered my score by XXXX points, instead of raising it after my debt to my XXXX card went down... 
see report... 

XX/XX/2023 We found 1 change to your TransUnion credit report XXXX XXXX XXXX XXXX points since XX/XX/2023 Balance Decreased XXXX XXXX  account balance decreased Between XX/XX/2023 and XX/XX/2023, your XXXXXXXX XXXX credit card balance decreased by {$88.00} from {$6000.00} to {$5900.00}. 

Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: World Omni Financial Corp. (FL)

Signed a lease agreement with XXXX of XXXX which was assigned to SE Toyota finance company The lease agreement clearly had a purchase option for the lessee if they chose For decades this allowed the lessee to trade the vehicle at any dealer they chose to buy or lease another vehicle Recently SET began an anti trust anti consumer practice allowing only Toyota dealers to continue this practice shutting out competition There is no disclosure in the purchase option of the agreement Instead they cite a clause deep into the agreement under subleasing. in Florida In Florida their are substantial tax benefits to trading in the vehicle In my case it was a little over {$2300.00} This practice basically forced me to go back to a Toyota dealer I believe the disclosure in the lease agreement was completely inadequate Clearly this is an anti competitive practice
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I recieved an email on XX/XX/XXXX from Resurgent /LVNV Funding LLC about a debt they said I owed. I requested more information and they uploaded the credit card statements to my portal. These statements and this account are for another person named XXXX XXXX who was living in Texas when they had this card. That is not my name nor have I lived outside of Tennessee. I reached out via phone and email multiple times to dispute this and then did a dispute on XXXX most recently and then are saying it is my debt but how can that be when it is for another name and address and they have not verified the social obviously bc it is not me. I have lease statements, drivers license, paystubs etc all showing I live in Tennessee and have for years and my name has never changed. I want this fixed as it's now showing as a collection on my account. they are not doing their job to accurately verify this data and it is affecting me and taking my time to repeatedly dispute their error. I am including the credit card statement they sent me, my last XXXX lease agreements at the same address I've lived at for 6 years, my drivers license, and screenshot of the email I've sent to resurgent about this that no one has responded to. I don't know how much more information I can send to prove I am not this other person and this is not my account.
Consumer complaint received 2024-05-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC (GA)

The day of closing XX/XX/year> the lender requested my IRS transcript stating that they could not pull the document. Also on XX/XX/year> a unilateral extend closing for 8 days was submitted to me/buyer and to the seller stating " Buyer 's mortgage lender ( including in transaction where the financing contingency has expired ) or the closing attorney can not fulfill their respective obligations by the date of closing due to no fault of buyer. '' On XX/XX/year> the loan officer submitted a new application to another lender. During this process the seller decided accept another offer from a different buyer. I was the second person to pay for an appraisal and pay {$3000.00} in earnest money and the sale did not go through. After paying {$580.00} for the appraisal on XX/XX/year> on XX/XX/year> I was given the appraisal from the previous entity with his name on the document and signed by the same appraiser. 

On XX/XX/year> the closing attorney sent a 10 day notice stating that after his review of my contract that it appears that the seller is entitled to all of my earnest money in the amount of {$3000.00}. I never received a denial letter of the loan nor did I receive a termination letter from my agent or any other parties that was involved.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (RI)

To Whom It May Concern : I am writing to file a complaint against PayPal regarding an unauthorized transaction and subsequent denial of my dispute. 
On XX/XX/2024 ], I made a payment of {$250.00} through Cash App to an individual with the XXXX XXXX XXXX who promised to repay me days later on Monday. This repayment never occurred, and the individual instead began harassing me with requests for additional money in exchange for XXXX favors. I immediately blocked this person and reported the incident to both XXXX XXXX and PayPal. 
My PayPal dispute was denied, despite clear evidence of the fraudulent nature of the transaction. PayPal is now threatening to debit my account for the {$250.00} chargeback, which would result in a negative balance. 
I believe this transaction violates the Electronic Fund Transfer Act ( EFTA ) due to its unauthorized nature. Additionally, the broken promise and subsequent harassment may constitute a violation of the Rhode Island Deceptive Trade Practices Act ( RI DTPA ). 
I am requesting assistance in resolving this matter and preventing PayPal from debiting my account for the unauthorized chargeback. As of today they have gone ahead and debited my account anyway.