davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent account. Someone stole my identity and generated a fraudulent account in my name. This is account is closed, fraudulent, and reporting inaccurate information on my report. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

The letter that I have attached should cover everything you need. 

The short of it, is that I was subject of a pig butchering scam and Crypto.com did not do their part to prevent or mend this issue.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

On XX/XX/2022 I had made a {$100000.00} payment towards my mortgage principal. I had 27 years left on my mortgage. I wanted to do a mortgage recast. When I called later in XXXX I was told I needed to wait a few weeks for my next statement in order to request a recast and I had one year to do so. I waited and had not called until XXXX XXXX being I had one year. They are now telling me there is nothing they can do for me and that I only had until the end of the year in which the payment was made which would have made it XXXX XXXX and its my investors policy. So I was lied to then. Now they are claiming its policy of my investor who my investor XXXX that I DID NOT chose. They are telling my now I need to make another at least {$10000.00} payment plus {$250.00} fee in order enact a recast request. They are telling me to take a home equity loan out for {$10000.00} at 9 % interest rate to pay them so I get a lower payment on my 3 % mortgage.
Consumer complaint received 2023-05-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC (NY)

Fay Servicing is a debt collector operating in the State of New York. It must maintain reasonable procedures for determining the statute of limitations applicable to a debt it collects and whether such statute of limitations has expired. According to Fay Servicing, the last payment on the account was made on XX/XX/2009. In the State of New York, the promissory note and mortgage are contracts, and subject to a six-year statute of limitations law. 

The New York State Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, Fay Servicing is required to inform the account owner that the statute of limitations has expired. 

The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq, prohibits debt collectors from seeking payment on legally time-barred debts. A debt collector may not use any false, deceptive, or misleading representation or means concerning the collection of time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; generally see 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ).

Fay Servicing has thus far refused to comply in with the State of New York debt collection rules and inform me with the required disclosure or disclaimer about the statute of limitations status as required by the New York Department of Financial Services debt collection rule 23 NYCRR 1, Section 1.3, Regulation F, CPFB, and FDCPA and all recent updates to the State of New York debt collection rules and regulations.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX  XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX amount : {$1700.00}
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

XX/XX/2024 - Received a call from Citicard fraud warning regarding change in contact information. I did not make the change. Card was cancelled and reissued. 

XX/XX/2024 - Received a call from Citicard fraud warning regarding a change in contact information. I did not make the change. Card was cancelled and reissued. 

XX/XX/2024 - Observed a change in my address, new phone number and new e-mail ( all not mine ) on the Citi Mobile app. Called Citicards and requested that the account be permanently closed. Agent confirmed that the account had been closed. No card issued. 

XX/XX/2024 - Called to confirm closure. Agent confirmed closure. 

XX/XX/2024 - Called to confirm closure. Agent confirmed closure. 

XX/XX/2024 - Observed a change in my address, new phone number and new e-mail ( all not mine ) on the Citi Mobile app. Called Citicards. The agent said that the account was never " permanently closed ''. He processed " permanent closure ''. Agent specifically said that there was no way anyone could reopen the account. Agent sent a text stating that the account had been " CLOSED '' and to " destroy all existing cards ''. 

XX/XX/2024 - Received e-mail from Citicards stating that account had been reopened at my request ( I had not ). Called Citibank Fraud. Agent ( XXXX ) saw that account had been reopened and processed " Security closure '' of account. Confirmed that account was closed. Confirmed that there was no way anyone could reopen the account. 

XX/XX/2024 - Called back and spoke to a different agent who also confirmed that account was closed. 

XX/XX/2024 - Citi Mobile shows that a new card has been issued using an address that is not mine. Citicard agent says the account was not closed. Agent on XX/XX/2024 made an error. There's nothing she can do because the card is being " processed ''. I'm supposed to call back in 4 days.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2023, I sent the following letter to Kohls. regarding a reporting on my credit report. This company claim I have an account with them. For account XXXX, they claim I own {$1400.00}. In the letter sent on XX/XX/2023, I ask them to verify this debt was mine. As of XX/XX/2023, I have not received any validation of the debt that Kohls is claiming to be mine.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I have had this credit card account for over XXXX  years and have never missed a payment or had a return payment all these years. I recently started using a new bank account for payment and this banks has had a funny way of returning payment even when I have available funds to cover the payment. So a meager payment of {$220.00} that I had funds available was returned on first attempt but went through on second attempt, and I tried explaining to my credit card company the issue with my bank after the charged a returned payment fee of {$29.00}. I requested for a customer courtesy waiver for the returned payment fee been that it was the fault of the bank. To my surprise and disappointment, my request was turned down and even when I spoke with a supervisor, it was still not granted. I have never been denied a courtesy waiver of a fee when it is not what I do. I make full statement balance payment and have never missed a payment. This is what customers are rewarded for until my experience with this credit card company.
Consumer complaint received 2023-09-26
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding persistent inaccuracies on my credit reports and suspected identity theft. Despite my best efforts to dispute these inaccuracies with the credit bureaus, the issues have not been resolved, and I am deeply concerned about the fraudulent accounts listed. 

The details of my complaint are as follows : 1. **Inaccurate Credit Reporting** : On my credit reports from [ Name of Credit Bureaus, e.g., Equifax, XXXX, XXXX ] , I have identified several inaccuracies, including but not limited to [ Specify the inaccuracies, such as incorrect account information, late payments, etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. 

2. **Fraudulent Accounts** : I believe I may have been a victim of identity theft, as there are accounts listed on my credit reports that I have no knowledge of, and I have not entered into any contractual agreements with these creditors. These fraudulent accounts include [ 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, ]. 

I have taken the following steps to address these issues : - I initially contacted the credit bureaus and submitted disputes to have these inaccuracies corrected. 
- I have also contacted the creditors associated with the inaccurate and fraudulent accounts, and I have requested verification and investigation. 
- Despite my efforts, the inaccuracies persist, and I am facing significant difficulties in obtaining credit and financial services due to these issues. 

I am seeking your assistance and intervention to ensure that my rights as a consumer are protected and that the credit reporting system accurately reflects my financial history. I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. 

Enclosed with this letter, you will find copies of my credit reports, as well as any supporting documents related to the fraudulent accounts and inaccuracies. 

Please provide me with a written response acknowledging the receipt of my complaint and inform me of any actions taken to address it. I can be reached at XXXX or XXXX for any further communication. 

I greatly appreciate your attention to this matter and your dedication to safeguarding consumer rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, my friend asked me to use my debit card for a transaction to purchase a one time stock via XXXX XXXX for XXXX XXXX. ( To surprise his wife as a XXXX present ) Wells Fargo had taken the money out and when I/my friend went to cancel the agreement, we were told could not cancel. Yet, on XX/XX/XXXX, I spoke to a XXXX XXXX who stated that an investment was not made. I asked for the return of the {$310.00} as now this is theft on behalf of XXXX XXXX. ( If the investment had gone through, {$310.00} would have been removed monthly from XX/XX/XXXX until date. ) I also filed a complaint with the SEC. I would like Start Engine to immediately return the {$310.00} to my Well Fargo account as he stated an investment had not been made on behalf of XXXX XXXX through XXXX XXXX.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (LA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Credit bureaus are responsible for maintaining accurate credit reports, but they sometimes fail to promptly remove incorrect information. 
This could happen due to various reasons such as administrative errors, disputes not being properly investigated, or delays in updating records. 
When incorrect information stays on a credit report, it can negatively impact individuals ' credit scores and financial opportunities, highlighting a gap in the credit reporting system 's effectiveness.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (GA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-29
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: Chime Financial Inc (MN)

- XXXX XXXXXXXX XXXX XXXX  account number XXXX : This account listed on my report is unfamiliar to me, as I have never had an account with this bank. 

- XXXX XXXX, account number XXXX : In an attempt to establish credit at a young age, I opened this account, but I soon realized I wasn't ready for the responsibility and attempted to close the account. 

- Chime - XXXX XXXX, account number XXXX : I deposited {$300.00} into this account, but the funds were withdrawn without any explanation from the bank. I contacted the bank for clarification but did not receive any information. 

- XXXX XXXX, account number XXXX : I am currently in the process of paying off my car loan with XXXX XXXX. 

- XXXX XXXX, account number XXXX : This account was opened fraudulently as my identity was stolen. I did not authorize the opening of this account. 

- XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX - XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX account number XXXX The remaining accounts listed on my report are also unfamiliar to me.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

The information on my consumer report was not accurate and I did not give any kind of consent for my personal information to be shared my right to privacy has been violated I have been under mental distress because of my privacy being violated and the consumer selling my information to third party organization I request that the inquiries be removed off my report immediately or I plan to take legal action I'm aware of my open end credit plan
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (MA)

Every year I receive a threatening letter from ServiceMac stating that their records show my home insurance has expired, even though I ALWAYS pay my home insurance as soon as I receive the bill ( sometimes sooner! ) and pay in full. This year I sent payment in full on XX/XX/XXXX. Policy does not expire until XX/XX/XXXX! Service Mac does not provide an email address and demands I mail proof in a pdf format. I don't have a printer! They threaten to purchase the insurance and I will have to pay them whatever the cost is. If they believe my home insurance has expired they could easily check with the agent ( XXXX XXXX XXXX ( XXXX ) or XXXX XXXXXXXX XXXX XXXX XXXXXXXX, part of the XXXX XXXX XXXX ). I've had the same agency and insurer since ServiceMac bought my loan.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Opened a XXXXSavings and checking acct on XX/XX/XXXX. Made 3 deposits totaling {$76000.00}. Did not receive ATM Debit cards. Our acct was hacked and {$5000.00} was transferred from our Savings to our Checking via phone and from XX/XX/XXXX to XXXX withdrawals totaling {$5000.00} were taken from our acct. We were not notified from our bank that our acct had been hacked. Went to the branch which we opened the accts. to put a freeze on all accts. The bank said in XXXX business days we would have a resolution. We spoke with the fraud department and the branch office numerous times and got nowhere. The banks fraud department said they have footage from the ATMS where the ATM card was used. I gave my description to the fraud department and they said that it was DEFINITELY not me. We received a letter from the bank on XX/XX/XXXX saying the phone transaction was valid and our claim was denied. 
The only person that had our private information was the person who opened our accounts!
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank Capital One XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Consumer complaint received 2023-10-26
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. (OH)

XXXX XXXX account number XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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.