davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I recently deposited a cashiers check to Citizens Bank in the amount of XXXX $ from XXXX XXXX XXXX on XX/XX/XXXX. The funds was immediately placed on hold. After 3 days of this hold I called Citizens bank who stated the funds were on hold because they are waiting for verification from XXXX. I contacted the cashier check issuer who reached out to XXXX who stated they have sent the verification over to Citizens. I reached out to Citizens on XX/XX/XXXX to explain the XXXX has verified the funds, and I requested more information of why my funds were still being held. They commented we are waiting for the issuers bank to verify the funds. They also stated they will be placing the funds on an extended hold until XX/XX/XXXX to give them time to verify. I called in XX/XX/XXXX after receiving a letter in the mail that stated the funds will be on hold until XX/XX/XXXX pending verification to confirm that my funds would be released on XX/XX/XXXX. The representative placed me on hold to clarify with her supervisor that the funds would be released XX/XX/XXXX, the supervisor confirmed Citizens have resolved verification matters and my funds would be available XX/XX/XXXX. I checked today XX/XX/XXXX and my funds were still on hold. I called in to check why and they stated it will be on hold until XXXX. I have been speaking with supervisors and managers both in person and over the phone and no one can give me reasoning behind why I have still not receive my funds and why they are holding the check past federal regulations. As I mentioned prior this is a cashiers check which is basically cash value guaranteed money. Citizens still has not release the {$220.00} or {$5500.00} that is mentioned in their policy that would be released after a deposit and no one is giving me information of why my funds are still on hold. I have went in person to XXXX XXXX XXXXXXXX who has confirmed the check I have deposited is not fraudulent and states that they have sent over verification. I received this money from selling my vehicle and now XXXX cant get a hold of it. I truly hope you can help me to resolve this in a timely manner as I have emergency bills piling up as the days go on.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Credit Corp Solutions Inc. (TN)

I was issued a credit card from XXXX with a credit limit of {$870.00}. I made a couple of purchases that may have totaled to {$250.00} at most. I discovered that there were multiple puchases made with the card in various locations like California, Mississippi, and another location ( I can't remember ). The purchases were made close together, so locigally, I couldn't be in all those places at the same/similar times, seeing I live in Tennessee. I don't think I should be liable for purchases I did not make, nor the interest that was accured. I have been served with a lawsuit from the credit card company for XXXX. I made a fraud claim with XXXX but was not given any infromation or any resolution from XXXX. All communications stopped on their behalf.
Consumer complaint received 2024-06-16
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. (CA)

My name is XXXX XXXX and i live in XXXX XXXX CA. After close review of my credit reports, I noticed that someone out of Illinois opened up an account with XXXX with my name. I am requesting that you investigate this situation that is seriously damaging my credit score and means to purchase a home. 
XXXXXXXX XXXX  XXXX XXXX {$270.00} ACCT : XXXX XXXX XXXX XXXX its on all XXXX of the major consumer reporters : it also shows late payments on a closed account
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Subject : Dispute of Late Payment and Request for Correction To Whom It May Concern, I am writing to dispute a late payment that has been reported on my account as follows : Account Number : XXXX I believe this late payment is being reported incorrectly and I am requesting that it be promptly corrected. My dispute is based on the following points : Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) under 603, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Late payments, being transactions, should accurately reflect the actual timing of payment and not include erroneous late payment notations that misrepresent my payment history. 
Nonpublic Information and Violation My nonpublic information, which includes the timing of payments, must be accurately reported by the creditor. Failure to do so constitutes a violation of the FCRA and negatively impacts my creditworthiness and financial reputation.

Timing of Payments ( 15 U.S. Code 1666b ) Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment is received by the creditor in accordance with the creditor 's payment instructions. 
Request for Correction Given the inaccuracies and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Correct the payment history on my account to accurately reflect the timely nature of my payments. 
Remove any late payment notations from my credit report associated with this account. 
Provide written confirmation that these corrections have been made. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within 30 days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NV)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Nevada 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 2024-06-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (KS)

For context : In XXXX I was charged {$300.00} for turning my keys 1 hour late, the lease ended at XXXX XXXX. I wasn't even living at the apartment by the move-out date. Nowhere in the original XXXX contract there was mention of that fee. The apartment complex name is XXXX XXXX 

Now in XX/XX/XXXX, I see {$300.00} debt collection in my credit report from Recovery Solutions. I contacted XXXX XXXX and they told me they sold the {$300.00} debt to Rent Recovery Solutions a few years ago. Additionally, they told me that they see a {$150.00} credit on my account with XXXX XXXX and they will be sending that amount to Rent Recovery Solutions so the total owed is only {$150.00}. 

Me believing the debt is invalid, I sent a letter to Rent Recovery Solutions on XX/XX/XXXX asking for them to validate the debt. They replied to my letter claiming I owe over {$1200.00} and showed charges completely unrelated to me. I immediately contacted XXXX XXXX to which they confirmed that debt is not mine and it has to be a mistake or a scam. I attached the email from the property manager. 

Rent Recovery Solutions is fraudulently claiming that I owe them {$1200.00}, these charges are completely unrelated to me. I was recommended to sent a letter to the CFPB, but not sure if I should file a police report as well. 

Attached are : 1 ) Fraudulent Letter I received from Rent Recovery Solutions claiming I owe {$1200.00}. 
2 ) Email from XXXX XXXX property manager confirming I only owe {$150.00} ( even though I believe this debt is invalid ). 
XXXX ) My response to Rent Recovery Solutions ' Letter. 
XXXX ) The original letter I sent to Rent Recovery Solutions back in XXXX. 
XXXX ) Original XXXX lease signed showing no mention of {$300.00} fee. 

Issue summary : Rent Recovery Solutions is fraudulently claiming that I owe them {$1200.00}. These charges are unrelated to me, and the original {$300.00} debt ( now reduced to {$150.00} ) is also disputed, as it was not mentioned in my original lease agreement.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

Last year when i had some financial difficulties i received a call from Disconver that i can do a payment plan that would lower than required monthly amount if i did autopay and can do that for the next year. What they did not tell me was that this would impact my credit report as im missing payments. I have have been with Discover probable about 20 years and have had a perfect record up until the last 6 months of 2023. This is when everything went down hill when one of their reps called me and offered this. Im sure he got a bonus for getting me to subscribe to this and in meantime this had totally hurt and impacted me negatively credit reporting and otherwise. Since than i stopped those automatic payments for the wrong lower amount and have taken back control of my account and payments being made Im trying to move out and its impacting by family as i can not get approved for anything and also have young childeren to support of which one is special needs..All im asking is for those late payments reporting to be removed. Besides that i have always been happy with Discover. Thank you
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (LA)

We have a signed agreement for biweekly payments. The additional payment each year is to be applied directly to principal. They have not done this properly. We have inquired about it several times now. Nothing has been resolved. There have been no follow up phone calls or emails.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I deposited a check for {$8700.00} on XX/XX/XXXX at an outdoor ATM at Wells Fargo Bank on XXXX XXXX in XXXX, Ca. 
At XXXX XXXX on XX/XX/XXXX, someone made unauthorized withdrawals using my debit card information including the pin. 
I called Wells Fargo XXXX XXXX right away and reported the fraudulent transactions. 
They canceled my debit card at that point and a new debit card has been reissued which I received on XX/XX/XXXX. 
A 10 day investigation has been opened on my account as of XX/XX/XXXX. 
Claim # XXXX The fraudulent transactions, totaling {$4900.00} were taken out of my checking account. As of today, XX/XX/XXXX, a provincial credit of {$4900.00} has been added to my account while the investigation continues. 
I filed a police report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX, with deputy XXXX XXXX XXXX 
I filed a claim with FTC on XX/XX/XXXX, claim # XXXX. 
Since filing the claim with Wells Fargo, I have called the claims XXXX XXXX times in the past week, asking for updates and providing what information that I know when asked. 
Today, there is a provincial credit of {$4900.00} on my checking account while the investigation continues. 
I have Unanswered questions to Wells Fargo : How can someone use my debit card without my pin? 
Why wasnt I notified when the fraudulent transactions began? 

We have been loyal and dedicated customers with Wells Fargo for over 25 years. Never once has a situation like this occurred. 

I appreciate any assistance you can offer. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The information being reported on my XXXX Loan. This account was never late and or 60 days past due. The account was paid in full on XX/XX/year> there was 30 day a late payment reflecting on XX/XX/year>. That information was reporting error. They corrected the error, and in return the credit bureaus updated the information and reported that XX/XX/year> was 60 days late which is incorrect.
Consumer complaint received 2024-06-18
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: Resurgent Capital Services L.P. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear LVNV FUNDING LLC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections 570.223 and 570.224.

It has unequivocally come to my attention that LVNV FUNDING LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section 570.224 establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 570.224 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I called midland credit management inc told them I have no knowledge of this debt and let them know that it wasnt me and it was someone with my name and I asked them to remove it because its not me. Midland said they couldnt verify the collection
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Per the Federal Credit Reporting Act as federally protected consumer pursuant XXXX XXXX XXXX I XXXX XXXX am now OPTING OUT of any and all authorization I the consumer XXXX have given to XXXX XXXX XXXX XXXX written, unwritten, verbal nonverbal to report my non-public personal information. XXXX XXXX XXXX XXXX is in violation of the Privacy Act of 1974 also XXXX XXXX XXXX Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX XXXX that my non-public personal information would be shared with Third party affiliated such as Experian, XXXX, and XXXX and I was never given the opportunity to opt out which XXXX XXXX XXXX states I have the right to opt out on anything reported on my credit report and I supposed to receive opt out option every XXXX days which XXXX XXXX XXXX XXXX did not provide XXXX hereby exercising my rights under XXXX cfr XXXX according to XXXX XXXX XXXX I was supposed to receive XXXX different disclosures before my non-public personal information was shared but never received notice. To conclude XXXX, XXXX, and Experian is in violation of XXXX XXXX XXXX XXXX sec XXXX because it states a reporting agency can not furnish an account without written instructions I did not give written instructions to Experian XXXX and XXXX to report XXXX XXXX XXXX XXXX account and supporting sharing my non-public personal information such as transaction history and balance. I did not give written instructions or written consent for my non-public personal information and did not give consent for those agencies to report XXXX XXXX XXXX XXXX account on my report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, 044 written off. {$1.00}, 044 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, 172 written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$200.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$290.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX {$290.00} XXXX updated XX/XX/XXXX
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX