davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NY)

I closed my XXXX account on XX/XX/XXXX by phone, effective immediately. I had autopay. Requested email confirmation, which was not given. Asked what additional needed to be done as I 1 ) no longer had access to my XXXX online website with closing the account, and 2 ) was denied a cancellation email. I was told you just need to return the XXXX equipment, which I did shortly thereafter. I did not receive further communication from XXXX for many weeks/ months. I received an email from XXXX on XX/XX/XXXX with an outstanding balance. Access to my online Spectrum account was removed and so could not confirm this. First contacted by Sunrise debt collectors on XX/XX/XXXX ( 16 days later ). I asked for confirmation of my information to ensure the correct account was sent to collections they did not provide the correct birth date. Still, I called XXXX to ensure that this was an error. Confirmed that they sent me to collections. They had billed account on XX/XX/XXXX ( 1 day after account closed ). At this point, I did not have a way of seeing my bills online with Spectrum. They canceled my autopay right before billing me. Could not provide proof that they contacted me before XX/XX/XXXX. Only offered to take payment. XXXX confirmed that they could not provide any proof of making attempt to notify me of the bill. I expressed concern regarding the effect on my credit score, but the XXXX employees made no apology. XXXX stated, I can tell you that the likelihood that our system made an error is zero. If you didnt get the email, Im sorry. ( same company that provided incorrect birth date to collections ). XXXX only offered to start internal ticket. Only given option for credit, debit, or checking account. Asked for a way to follow-up and ensure they corrected error w/ credit agencies- they refused. I asked, you sent me to collections, but I just have to trust you, and there is absolutely no way to contact you. '' She stated " yes. '' I also believe that Sunrise Credit violated my consumer rights in XXXX. They called me from a Pennsylvania number not associated with their company which is licensed in New York. They additionally called me on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is more than 2 times per week. They had my date of birth incorrect and thus did not seem that they actually were collecting a legitimate debt.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ive spent XXXX on and engine from XXXX XXXX. They told me the engine was in perfect condition so I buy it and have a shop put it in, not a day later it overheats due to bad water pump and wiring so I call the lady who sold me the engine and she claims that then engine had a bad water pump AFTER I already brought it so I I ask her why didnt she tell me the problems with the engine before I brought it I couldve took my money somewhere else and she went silent. Then tells me that they will send someone out to check for the warranty. Ive waited WEEKS for the guy to come just to tell me theirs nothing they can do and he tells me the water pump is bad, uh obviously you guys sold me a bad engine. So I submitted a claim with boa for a refund and they told me it will take 3 months finish case. Its Been 175 days and counting! My bills are past due and I can only wait for so long all cause I got scammed for an engine they told me was perfect
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Its been 24 days since I deposited my money into my Citi back account I have not been able to receive my money. I was told the kind of phone company I had will not let me be verified I went and purchased a a new phone company through XXXX in hopes that I can be verified now that wasnt true.so they said they will send me a verification through the mail it have not came I was told they sent it to a public record address not the one on my account.ive went to multiple branches to get help no help the fraud department havent had no one reach out to me about this issue its been 24 days I havent been able to pay rent pge phone none of my bills its causing major issues I am a payee to someone their money is in the account they cant get their medication nither can I I keep getting hung up on its been not resolution for my problem they never told me where the alert came from its nothing fraudulent about anything the check have clear I have XXXX children we have been without food suffering I just want my money no one have been able to help me get it.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I was involved in a fraud scam involving people impersonating the local county sheriff 's office and implying I had a citation for missing a jury date. They coerced me into paying for citation fees under the implication that they would be refunded back as they were claiming to consider me as Did not receive on the jury duty. I attempted to dispute the transactions with Paypal with no success leaving me to file an FTC report, Report number : XXXX and dispute the charges with my bank. Now Paypal is trying to reclaim funds that were stolen from me and taking action against my account saying I owe them money that was mine to begin with by reducing the account by - {$90.00} and claiming if I don't pay, they will send the payment to a collections agency leaving me feeling pushed and attacked as a consumer when I am trying to protect myself from a scammer.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CO)

In XXXX XXXX XXXXXXXX I was informed due to my escrow increase my monthly payments were going up {$460.00} monthly. I have asked several times why such a large increaased since my total escrow due for XXXX is only an increase of {$130.00} annually from total paid escrow in XXXX. They keep throwing the same document in my face without answering the question. Every year I'm told I have a shortage and my payment conitues to go up. But a {$5500.00} shortage, this appaers to be missmanaged or I'm being taken advantage of. 
On XX/XX/XXXX I had an escrow balance of - {$270.00}, then in XXXX I had a shortage of {$5900.00}. 
Total paid escrow in XXXX was {$6700.00}.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC (TX)

XXXX XXXX contacted me via text message stating that they contacted a bank to let them know they were going to take my car. Multiple times she made this threat to take all of the belongings out of my car so that they can take or it that I needed to surrender the car. She also stated that she was going to send a XXXX XXXX team to my house and business to collect assets. She also claimed to notify my banks to freeze my accounts. 

I called my banks to ask if there was anything against my account which they stated my accounts were in good standing. They also mentioned that the emails I was being sent sounded like scams. 

I also called my county clerk to see if there were any pending lawsuits or judgments against me in which they stated no. 

In the end I realized XXXX was using scare tactics making empty threats to scare me into payment however never sending any actual documentation of the debt that was owed, contracts, etc. She kept bringing up a car that belonged to my mother and was not legally mine, threatening to take it. 

Dates included are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX never sent me any documentation for any judgments, lawsuits, debt validity, etc. 
She attempted to contact my brother and both of my sisters as well. 

I finally sent her a cease-and-desist letter.
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (LA)

I don't recall having a contractual relationship with this collection company Ability Recovery Services LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-08
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-05-24
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: DISCOVER BANK (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear DISCOVERBANK, I am writing to address a concerning 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 ), alongside XXXX XXXX Missouri identity theft fraud laws. 

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

While acknowledging the importance of federal law, XXXX XXXX Missouri identity theft fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and displaying a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that DISCOVERBANK 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 XXXX XXXX Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX Missouri laws. 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 DISCOVERBANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 

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 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-05-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

My CD was opened on XX/XX/XXXX, and I call my Webster bank to cancel do not renew my CD On XX/XX/XXXX. 
The amount includes interest is {$15000.00} Account # XXXX. 
After go through a lot of questions and procedures the did not refund my deposit funds. 
On XX/XX/XXXX I have called and spoke with supervisor and she promised will ACH funds to my original bank account the next day. 
As of today XX/XX/XXXX l have not received any funds.
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account JEFFERSON CAPITAL SYST ( Account XXXX Original Creditor : XXXX. Date Opened : XX/XX/year>. XXXX {$3100.00}. I have never had an account with none of those companies.Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with JEFFERSON CAPITAL SYST. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, the following account JEFFERSON CAPITAL SYST account number XXXX, regarding a purported overdue balance of {$3100.00} allegedly owed to XXXX. This account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from JEFFERSON CAPITAL SYST for the violation of my rights under the FDCPA. 3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4.Reimbursement of any legal fees incurred in addressing this matter. ( Please see attachments )
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX : {$33000.00}.
Consumer complaint received 2024-05-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (CA)

I had a payday loan with SpeedyCash since end of XXXX or beginning of XXXX always made my payments on time and never had issues. As of XX/XX/XXXX I was unable to access my online account after the loan payment was taken from my personal bank account, when I called they said there had been two accounts and a third party had taken over the older account from XXXX which I wasnt aware of and was never contacted by the third party about this and its not on my credit report.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I contacted Jefferson Capital ( debt collector for XXXX ) on Monday, XX/XX/XXXX and reported this transaction as a fraud ( identity theft ). Amount of fraud is {$3900.00}. 
Jefferson Capital ( the company ) has reported this charge to the reporting credit agencies which is affecting my credit and job opportunities. 

When I called the company as mentioned above, I requested information, the following was only provided to me : the month and year of when the first transaction was made which was XX/XX/XXXX ; only given last four digits of cell phone lines ( could not give me the full phone numbers ) that were opened under my maiden name and current address which was incorrect. 

I informed them that this was a fraud and I was going to make a police report and inform them that I have reported to the credit reporting companies as a fraud.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Business Factors (NV)

these companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c and purchase agreement nothing was provided.

in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Today XX/XX/XXXX I went to Bank Of America to cash my job check from XXXX XXXX and I was aged/racially profile I gave the clerk the check along with my passport and driver license and she went on and told me to sign the back of the check she kept looking at me and my passport/driver license and than insisted on telling me she had to go verify the check which was okay with me I also had my paystub that I detached from the check in hand that had all my information on there as well she than went in another room for about 3 mins and came back out and said we cant verify the signature on the check never once did she call the verification number to verify the check she went off a signature and told me the signure dont match the other XXXX check they have came across before I never heard of that before she judge me because I look younger than what I am and I get that a lot but my passport and my driver license dont lie she never cashed my XXXX check that was through Bank of America and I also called XXXX XXXX and they didnt understand why the lady didnt cash my my check either all she had to do was call the number and verify the check like she was really suppose to instead of lying about a signature
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections Services, Inc. (IL)

I was sent a text message from a place saying that I owe money on a parking ticket from 7 years XXXX, Municipal Collection Services has business of yours in its office. To make a payment please visit us at https : //www.mcsipayments.com using account number XXXX or for additional information please call XXXX for assistance. To opt out text STOP I call the number ( XXXX ) and a woman stated that I owe {$330.00} for a ticket from an area I never visited. After doing some research, I found that the number that texted my phone was " XXXX '' led to a website for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Company XXXX  XXXX XXXX AUTHORIZED FOR { Passenger, Property, XXXX  } : This will list the specific this company. 
Please advise. 
Thank you, XXXX XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have asked Experian numerous times to update my name. My name is XXXX XXXX. 

Please delete the following names that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX