davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mendelson Law Firm (TN)

My husband and I both received letters from the Mendelson Law Firm back in late XX/XX/XXXX. I used the method stated in their letter to electronically dispute the debt. I kept a copy of what I sent and a screenshot of the submission of my request on XX/XX/XXXX. I heard nothing back at all from Mendelson Law Firm until my husband was served with a court summons on XX/XX/XXXX, a full 5 months after proof of the debt was requested and was never received. 

I called the Mendelson Law Firm on XXXX XXXX XXXX to ask why they have sued us for a debt they failed to supply proof as requested per their instructions. I was told they never received it or it was lost in the process. I informed them that I have proof I sent the request in XXXX. I also informed " XXXX '' the legal secretary and then " XXXX XXXX '' that they were in violation of the fair debt collection practices act and no longer legally allowed to collect on the debt. I was dismissed as if the law isn't taken seriously and it had no meaning or bearing on their pursuits. I found this very distressing as a Law firm should have complete knowledge of the law as it applies to their direct business practices. 

In the meantime I requested statements from my insurance company ( XXXX ). XXXX told me the claim was so old, over 3 years and they would not have record of it. So I started digging through my personal insurance records at home. I found the EOB 's as well as the statement from XXXX telling my husband and myself that we owe XXXX of XXXX ( The XXXX XXXX  ) absolutely nothing. I immediately called the law firm and submitted my proof to them. They confirmed they had received it and would speak to their client. In the meantime our XX/XX/XXXX court date is quickly approaching. 

This morning XX/XX/XXXX, I received an email from XXXX XXXX requesting a current EOB from XXXX for the XXXX claim and informing me that her client was actively filing claims with XXXX as recent as XX/XX/XXXX. That is the same month they sued me. I can not comprehend how we can be sued under such false pretenses when they are still trying to sort the bill with the insurance company. I am not the insurance company. Telling the court that I owe a debt that could not be proven, proof of debt was never supplied timely or otherwise and now a current EOB is being requested from a XXXX bill. That is an impossible thing to furnish as that is not a document that can be generated without a claim being submitted and no claim has been submitted since XXXX. 
My husband is a XXXX XXXX XXXXXXXX veteran and I have not worked for years due to XXXX and then a diabilating auto immune disorder. We know that time is dragging on and the ultimate goal is a default judgement against us on the XXXX of XX/XX/XXXX. 

We are easy targets and feel that we are being preyed upon. We made the mistake of believing the law applied to everyone and not just us. We are asking for assistance and resolution.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I haven't been able to get my credit report with TransUnion and XXXX for a while and at the same time they keep reporting inaccurate information and misleading data. I tried to dispute those accounts online but they denied my access so I can't dispute.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I was contacted earlier this year by XXXX XXXX XXXX, which claimed to be collecting on an account sold to them by Citigroup which had gone delinquent. I denied that I had opened this account or charged anything on it, and noted that they seemed to have a wrong phone and email for me. XXXX insisted that I had opened the account and has continued with collections activity, including filing suit, which I have denied. I am now preparing to fight the case in court. I believe my case is an example of synthetic fraud, with someone having stolen some elements of my identity and then applied for credit utilizing them and another bank account, phone, email, etc. 

- The date XXXX claims the original account was opened was XX/XX/XXXX. 
- They claim the account charged off on XX/XX/XXXX - XXXX amount in question is claimed to be {$5300.00} - I replied to XXXX in early XXXX, and challenged the account and requested arbitration, which appears to have been granted. 

I do not have a full Citigroup credit card account number ( this has not been supplied to me, but the account has been referred to as XXXX. 

XXXX 's internal account number for the case is XXXX.
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (LA)

There were a lot of unauthorized transactions on my account which I didnt make I tried multiple times trying to figure where the money went & even sent in documents to verify it wasnt my authorizated transactions and still the dispute was closed with no future information or a copy of the report I have also asked them to close the account multiple times which they wont
Consumer complaint received 2024-02-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (FL)

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (WI)

I have been a customer with associated bank now for the fifth year I worked my hours with an employee and I cant get my direct deposit I called numerous times yesterday they didnt help me I even contact there corporate office and they directed me to a line I already called five times yesterday I cant feed my child as thats all I depend on my direct deposit I just want my monies the employee already showed proof of payment
Consumer complaint received 2024-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (CA)

I paid for an appraisal to be completed on my house to see if I could have the PMI requirement from my mortgage reviewed. On XX/XX/XXXX, I received a letter indicating : The valuation ordered does not support the property value necessary to meet a 80 % Loan to Value ( LTV ). 

On XX/XX/XXXX, I reached out to XXXX with the following message : Hello, We received word that the PMI removal request was denied, but Id like to know the value for our house that was provided by the agent. 

Please advise. 

Thank you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, I received a reply from the servicer : Dear XXXX, We have forwarded your concern to the appropriate department for further review. Please allow up to 10 business days for review to be completed. 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at www.mortgagequestions.com or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX to XXXX XXXX ET Saturday : XXXX XXXX to XXXXXXXX XXXX ET PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After that, I did not receive any further reply, so I again emailed on XX/XX/XXXX with the following message : It has been far longer than 10 business days and we still have had no communication. 

We have paid a representative of your company to value our house- we are entitled to know this value and it should not take 30 days to receive a response. 

Please escalate and provide an immediate response XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not received any reply to this date, and they have had nearly two months to provide a simple valuation of the house as it was appraised. 


I believe PHH Mortgage Services is withholding this information because it is to their benefit to do so, and perhaps the amount was truly enough to cancel the mortgage insurance.
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (NC)

I have consistently maintained on-time payments, so I find it XXXX 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 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Granite Edvance Corporation (MA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' GRANITE STATE MANAGEMENT RESOURCES is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' GRANITE STATE MANAGEMENT RESOURCES is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, GRANITE STATE MANAGEMENT RESOURCES whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' GRANITE STATE MANAGEMENT RESOURCES never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim # XXXX Online claim dispute XXXX, XXXX  XXXXXXXX  {$400.00} CONSUMER/CARDHOLDER has reached out to BOA multiple times. All I received in the end was empty updates. Card issuer has failed in upholding its Bank Account XXXX Liability Policy. Although never falling behind on monthly statements ( see Attachment ). Federal law due process investigation deadlines have long exhausted. Please credit claim back into the account. Thank you. 
XXXX XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC (NY)

I am disputing the adequacy of your response to my previous requests for debt validation. Your claim that there's no legal basis for my request for your state license and other verifying information is also in dispute.

Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I have the right to ask for and receive validation of the debt you claim I owe. This includes documentation verifying your authority to collect this debt in my state. The bank statement you provided does not meet the legal requirement for debt validation. It doesn't constitute documentary evidence of the original debt or your legal standing to collect it. 

The Gramm-Leach-Bliley Act ( GLBA ) requires entities involved in debt collection or reporting to ensure the privacy and protection of consumer information. This includes obligations to disclose collecting agency information when requested. Your absence from the New York State Corporation and Business Entity Search database raises questions about your compliance with state regulations and your legal authority to operate within my state. 

The case law you referenced ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) doesn't release you from your obligation under federal law to provide consumers with the requested validation and licensing information. The Federal Trade Commission 's Statements of General Policy or Interpretation Staff Commentary on the FDCPA stresses the importance of providing consumers with clear and accurate information about their debts and the identity of those collecting them.

Reporting the amount owed without proper validation is inaccurate reporting under the FCRA. This could unjustly impact my credit report and score. This misrepresentation of debt violates my rights under 15 USC 1611, which requires accurate reporting of consumer debts. 

With these points in mind, I repeat my request for the following : 1. Proper validation of the debt, as required by 15 USC 1692g, including original creditor information and detailed account statements.

2. Evidence of your authority to collect this debt in my state, including state licensing information as applicable.

3. Immediate correction of any inaccuracies reported to credit reporting agencies regarding this debt, in compliance with 15 USC 1611.

I appreciate your efforts to close the account and cease communication as requested. However, you must comply with the above-mentioned legal requirements to fully resolve this matter and protect my rights as a consumer.

Please provide the requested documentation within 30 days of receiving this letter. Failure to comply may result in further action, including complaints to regulatory authorities and consideration of legal remedies.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have a checking account with Marcus Bank by Goldman Sachs ( www.marcus.com ). I want to transfer money from Marcus to an external account that has already been linked and verified. I received an email asking me to contact Marcus customer service and was not provided any explanation or reason. It turns out my transaction did not go through, and a hold was put on my account, but no reason was provided to me. I've provided all the information to establish my identity, including my social security number, bank secret word, and date of birth.

I have tried to call them three times starting XX/XX/XXXX. Each time, they want to verify my identity by sending a one-time passcode to my phone. But apparently, Marcus can not send texts to " ported numbers ''. So they can not verify my identity via phone. They said they could not verify my identity via the consumer report agency because I have a California driver 's license. They say they will not send an email to the address on the account. On each occasion, they said someone would call me. Almost a week later, I have had no calls from anyone and there is no way to escalate the issue. I require my funds to be transferred for an urgent business transaction. Without those funds, I stand to incur a significant financial loss. There is no other contact available to escalate the issue for speedy resolution. I need help.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance {$720.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I want to Lowes store XXXX because Ive been trying to purchase something, somethings rather And I was so disturbed at the customer service. I receive first I was greeted by XXXX XXXX who said ohh she cant help she went and got someone who seem agitated and her position was oh corporate put a note on the account no online orders only in store and I need to verify. I asked her what would need to be verified and I am in store now, so how do we get past this impasse she say oh I dont know and turned and walked off I waited another 25 minutes for them to find a manager who came up his name was XXXX and I just happened to stop him because he was walking by me as if I didnt exist. he didnt states nobody told him nothing. Im not his problem, you know XXXX people do fraud. I could not believe it. He then turned and walked off on me. I stated to them I am in the store I am I have my ID what else do we need to verify and they refuse to assist me
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Date restricted : XX/XX/XXXX Been a member since : XXXX Why was the account restricted : XXXX payments reported as fraud. 

XXXX in customer protection and resolution At capital one spoke with me and told me capital one is accusing me for doing fraud. 
Through XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (DE)

Recently, I have experienced concerning interactions with Amsher Collections Agency that have led me to believe that they have engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer laws. 
Upon checking my credit report and as I have been a victim of identity theft I found Amsher Collections reporting to my credit file. I have not received anything in writing about this debt. I also requested validation of such debt via mail dated XX/XX/2024 but have yet to receive anything Specifically, I have reason to believe that Amsher Collections Agency has engaged in the following behaviors : XXXX. Failure to Provide Verification of Debt : Despite my requests, Amsher Collections Agency has failed to provide adequate verification of the alleged debt they are attempting to collect from me, as required by the FDCPA.

2. Harassment and Misrepresentation : I have received numerous harassing and misleading communications from Amsher Collections Agency, including threats of legal action and misrepresentation of their authority to collect the debt.

3. Lack of Compliance with Consumer Rights : Amsher Collections Agency has disregarded my rights as a consumer under the FDCPA, including the right to dispute the debt and request validation of the debt.

These actions have caused me significant distress and concern, and I believe they constitute clear violations of consumer protection laws. I am requesting that the Consumer Financial Protection Bureau investigate these allegations and take appropriate action against Amsher Collections Agency to ensure compliance with all applicable laws and regulations.