davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MI)

Please note that the name on this collection account is my maiden name vs my current name. See attachment with maiden name on it. I would first like to state that this is not an acknowledgment of debt. I disputed and requested information and documentation of the said debt and have not received. Furthermore, the said debt which I again am not claiming is mine, would have reached the statute of limitations for both XXXX where I lived in XXXX  and XXXX where I reside as of XXXX They did not provide evidence of this debt and I had not heard back from them. Again, this is not an acknowledgement of the claimed debt, but if the debt was from XXXX as they claim, the statute of limitations in XXXX ( where I used to live ) is 4 years and would have expired in XXXX ( I. lived in XXXX till XXXX XXXX  ). If using XXXX statute of limitations, it is 6 years, which would be XXXX  Regardless under the Fair Debt Collection Practices Act this is illegal. Under the Fair Debt Collection Practices Act collection agencies must abide by the following federal mandates. The collection agency which is attempting to claim said debt as mine should be aware of the laws regarding attempting to collect on debts past the statue of limitations listed below. XXXX REVISED JUDICATURE ACT OF XXXX ( EXCERPT ) Act 236 of 1961 600.5807 Damages for breach of contract ; specific performance ; period of limitations ; bond ; deed ; mortgage ; surety bond ; appeal bond ; public obligations ; other actions. Sec. 5807. ( 9 ) The period of limitations is 6 years for an action to recover damages or money due for breach of contract. XXXX CIVIL PRACTICE AND REMEDIES CODE TITLE 2. TRIAL, JUDGMENT, AND APPEAL SUBTITLE B. TRIAL MATTERS CHAPTER 16. LIMITATIONS SUBCHAPTER A. LIMITATIONS OF PERSONAL ACTIONS Added by Acts 2005, 79th Leg., Ch . 97 ( S.B. 15 ), Sec. 4, eff. XXXX XXXX XXXX. Sec. 16.004. FOUR-YEAR LIMITATIONS PERIOD. ( a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : ( 1 ) specific performance of a contract for the conveyance of real property ; ( 2 ) penalty or damages on the penal clause of a bond to convey real property ; ( 3 ) debt ; ( 4 ) fraud ; or ( 5 ) breach of fiduciary duty.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (IL)

In pursuant to 15 USC 6802 ( b ) I called and explained to the consumer service rep that my consumer report and personal information is federally protected. I advised them of my rights per FCRA 604 ( 2 ) and also my federally protected right to " opt out '' as explained in 15 USC 6802. They told me that they can not allow e to " opt out '' thus is a violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure is to be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (CA)

I applied for the XXXX XXXX XXXX XXXX XXXX XXXX through Chase on XX/XX/XXXX and realized that I applied through the wrong link and would not get the welcome offer that I wanted. I had applied through a referral link ( XXXX free nights welcome offer ) when I wanted to apply directly through the XXXX website ( XXXX points welcome offer ). 

I called Chase Customer Service on XX/XX/XXXX about the issue, and the agent that I spoke to at XXXX XXXX PST told me that they could not switch the welcome offers, but we could submit a rejection for the card. 

I specifically asked if there would be any repercussions, and she stated that there would be none besides the points docked from my credit file for the inquiry. She said it would be as if I had never applied for the card. The card would be closed and removed from my account history, and I would be free to apply for the same card again after 24 hours. 

I submitted a new application for the same card on XX/XX/XXXX at XXXX XXXX  PST. It was not approved, so I called Chase again on XX/XX/XXXX. I spoke to four different departments, and they told me that my application was rejected on the reason that I already had a card of the same type. The agent I spoke to on XX/XX/XXXX had given me the wrong information. The card could not be removed from my account, and I would need to wait 30 days before applying again. The card would also remain on my credit file as a cancelled card. 

The last person I spoke to was an Account Manager at XXXX XXXX PST. He repeated " Whether or not [ the previous agent ] gave you the wrong information, you would be in the same place now. '' I gave the time stamp of the original call with the previous agent, as all calls with Customer Service have a recording, and he said, " That's nice, but there's nothing we can do. '' I requested some type of compensation or consolation, as the only reason why I went ahead with the cancellation and reapplied was on the incorrect information the Chase agent gave. He refused and said he is unable to provide any type of compensation.
Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOUTHSTATE CORPORATION (GA)

On or around XX/XX/XXXX  I received an adverse claim/ letter of denial from SouthState Bank denying me an extension of my credit for {$100000.00} which is a prohibited act constituting discrimination according to15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals. 

I then proceeded and mailed a Notice of Federal Violations to the CFO. 
Application Loan Number # XXXX See attached
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc (NM)

my mother is elderly and she got quite a few knocks on the door for " workers '' that came in and fix the plumbing. then they wanted payment or they will go to : court '' so she paid them as this is her residence, which has been since XXXX. 
Then several cars driving by slowed down and stopped and went by like if they were - according going to do someting, and there were some bystanders outside that were not her neighbors .... She has been there for over 14 years and those were unkonwn and lots of them. I assuredis a safe neighborhood but investigated the footage on the alarm company and indeed there was a lot a lot of traffic. 
Then she was directed to a site where a person wanted cash in XXXX hours or else he was gongt to do something. 
I view the emails, and it is a california person that said wass associated with a collection company but then emailed my other a demand for cash along with an interrogatory to sign via docusign that same day. I do not know the extent of the financial information or non public private information this subject extracted form my mother, but it seemed so suspicious because he di dnot want to anwer any questions mom asked via email and then he " withdrew the -puestionnaire- he sent for docusing signing '' She was ill due to covid and in the middle of some very confusing people that are harassing her and the attorney that she knew XXXX XXXX XXXX XXXX not found in the title company that he worked, he moved apparently to first american title and then to fidelity title and my emails are being returned. I found hin on the NM XXXX XXXX XXXX website and tried to get a message to him as he and XXXX XXXX, were XXXX realtors in XXXX and attorneys that my mom said represented her in the purchase of the home in XXXX with the bank and the escrow company and they did also represent me in XXXX per the new mexico realtor forms that realtors use in relation to nm title laws and the land contracts that are written and sponsoored in XXXX. 
We do not know anything about this XXXX XXXX, he seems shady and from another state and demanding certified funds in XXXX hours.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2022, a check was written by me from a XXXX XXXX XXXX checking account in the amount of {$6200.00} for a monthly rent at an assisted living facility. On or about XX/XX/2022, the check was apparently stolen from the XXXX Postal Service at some point in transit. The thief washed the check, changing the payee and the memo line on the check in an obvious and sloppy attempt at manipulating the check. I discovered the fraud in mid-XXXX  and filed a claim with XXXX. XXXX lost the original claim, and a new claim was filed in XX/XX/2022. After repeated inquiries on my part, I learned that the check was deposited by the fraudster into a Bank of America account via an ATM machine. XXXX also claimed that Bank of America was not responding to inquiries regarding the check. I reached out to Bank of America directly and they stated that they would have responded to XXXX months ago. I also reached out to Bank of America and they stated via e-mail that there was nothing they could do as the fraudster has closed the account. Now my elderly parent is out {$6200.00}, due to Bank of America failing to catch a clearly manipulated check, and XXXX dragging their feet on per suing the matter in a timely manner.
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (LA)

I submitted a SCRA benefits claim, but they proceeded with the case as a Deployment SCRA benefit request. However, I am XXXX  in Louisiana and state law states that all interests will be under 6 % as long as you are XXXX XXXX.
Consumer complaint received 2024-03-23
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX : {$8500.00}
Consumer complaint received 2024-01-10
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: Security Credit Services, LLC (SC)

I was in the process of trying to buy a home for me and my daughter due to her father being incarcerated for a long time and us needing a fresh start, when I realized I had damages on my report. THIS is a Violation of the FCRA and is also in Violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting act, I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, or verifiable is required to be removed.
Consumer complaint received 2024-01-10
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. (AL)

My son has tried to do the honest thing and notify Resurgent Cap through the CFPB system to let them know that he was the one who opened the credit card accounts in my name. However, they won't acknowledge his complaint since they don't recognize him. I'm attaching it to this complaint and they can do whatever they see fit. The corrective action would be to do the right thing and acknowledge that it wasn't me who opened these accounts and that it was my son. If they still want to say I own these accounts when I know for a fact that I don't, then I'm ready to take them to court. They will have to prove to the judge that it was me who opened this account and it was my hand that swiped these cards. But again my son has a written statement owning that he was the one that opened these accounts.
Consumer complaint received 2024-01-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dobberstein Law Firm, LLC (WI)

I am not liable for this debt with XXXX loans. I do not have a contract with Dobberstein Law Firm L.L.C. They did not provide me with the original contract as I requested and is violating my rights under the Fair Credit Reporting Act and need to cease and desist from contacting me.
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maury Cobb, Attorney at Law, LLC (NJ)

In XX/XX/, I moved from my old address to a new address and closed my XXXX internet account. In XX/XX/, I noticed a new XXXX account opened at my old address ( in a different apartment ) under my name and that I was being charged. I believe this new account is a result from identity theft, and that I am not obligated to pay its charges. 

In XXXX XXXX, I communicated multiple times with XXXX  to get the fraudulent account closed and charges removed. XXXX  told me that the issue was resolved. 

In XX/XX/, I started getting debt collector phone calls. I also got a collection note on my credit report which negatively affected my credit score. I eventually paid the XXXX $ that they asked for, just to stop the debt collection from bothering me.
Consumer complaint received 2024-04-16
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. (VA)

I am writing to express my growing frustration and disappointment regarding the ongoing issue concerning the correction of a late open accounts, despite repeated attempts to rectify it. This letter serves as a formal complaint concerning the 6th unsuccessful endeavor to address this matter.

The continued presence of this late open accounts on my records has caused me significant distress and inconvenience. It not only affects my financial standing but also undermines my confidence in your institution 's ability to handle such matters effectively and efficiently. 

I urge you to take immediate action to rectify this situation comprehensively. This should include conducting a thorough review of my account records to identify the root cause of the discrepancy and implementing measures to ensure that similar errors do not occur in the future. With this, I am asking for your assistance to correct these accounts in my credit file : 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
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (IN)

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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-16
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I'M a very unhappy XXXX XXXX  customer i have been fighting this problem the you guys for the past few months and i have to do the same thing every time go to my local branch and verify my identit and then I'm dealing with the same problem and I'm sick of always being told i have to go inside of a local branch all I'm trying to do is withdraw my money out my account so that i can pay my bills and your customer services center they are all very rude and disrespectful and hang up on customers you can get a hold of me at XXXX I'm looking forward to hearing from you.
Consumer complaint received 2022-10-29
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. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX Balance XXXX {$16000.00}.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 US CS1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: L.B.Gray LLC A Debt Collection Agency (IL)

I received XXXX call followed by numerous calls to extended family threatening a visit at my place of employment if I didn't respond. These calls did not provide reason or details which seem list they were phishing for information. I believe the same people sent me a letter saying I owe money to an apartment complex ( attached ). I've owned a house the last XXXX  years and have never lived outside of Illinois. 

Debt Collection is through LB Gray XXXX XXXX, IN Account Number - XXXX Case # : XXXX Amount Owed- {$7300.00} Owed to : XXXX XXXX XXXX XXXX XXXX XXXX IN ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Consumer complaint received 2023-12-28
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. (FL)

In XXXX of 2023, Ive made several attempts with all 3 credit reporting agencies to resolved the unauthorized inquiry issue on my consumer credit profile. A resolution has not been met.
Consumer complaint received 2024-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I ask for help to put my mortgage back on track. The offer was trial period and then i will be back on track. The issue is they want me to place lien for XXXX on my property. This will hinder me from refinance or taking a heloc.I felt placing the XXXX on back of mortgage will be suffice. A lien wll put a note on my home and will hinder me from utilizing my sweat equity The help is not helpful. The economy and inflation and daughter in XXXX  cause me to have small set back. enclosed is the documents