davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (FL)

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (FL)

A couple of months ago I filed a CFPB complaint against M & T Bank for escrow account and mortgage account violations and these have continued since my complaint was closed and the bank indicated that it has resolved my issues. My property was properly designated as a single family home ; my insurance recognized for XXXX and XXXX, the forced insurance reversed and credit to my accounts made and a new escrow evaluation completed lowering my payment by $ XXXX dollars, with the only outstanding request a list of all disbursements to justify the current escrow amount. However, in the last three months I have received a letter from M & T every other day tasing for proof of hazard insurance which is tied to a home designated as a " condo '' under an XXXX policy and indicating there was a lapse in my hazard insurance coverage, from XXXX ( Letter XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ), then a letter saying evidence of hazard insurance was provdided ( letter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and then today, on a letter dated XX/XX/XXXX, I was sent a letter of notice of purchase of hazard insurance and a request to proivide XXXX insurance coverage for a condo. 

This request is once again absolutely ludicrous and should be considered fraud on this bank. As a new home owner it is criminal what this bank is doing and definitely violates is federal obligations under the FCRA. I will continue to file complaints until the federal government steps in to stop this mistreatment and will continue to look for an avenue to file a private suit against this bank as clearly this bank can, as directed before on several calls, go to the XXXX XXXX XXXX appraisers office website and see that my home is a single family home and NOT a condo. Further, my original home purchasing documents clearly indicate that my home is a single family home and M & T is not permitted to change my home designation from the original paperwork. 

I DO NOT OWN A CONDO! I do not require H06 insurance policy as I do not own a condo and I am done trying to get through to a live person to repeatedly say this. Which is another issue. The M & T call system does not connect you to a live person and gives no option for this. I have called the number on the letters repeatedly only to be sent to automated system to automated system to provide information only. The last time I called I was advised that an investigation would be done and then two days later I was advised that my home designation was updated to a single family home. Then the last CFPB investigation led to the cancellation of the prior forced H06 home insurance. And yet, here I am again asking M & T to do its due diligence and to do right by me only to find myself in a situation with a 2nd forced H06 policy. Absolutely unacceptable. 

How many times must this bank XXXX XXXX XXXX XXXX  my account and force extra exhorbitant payments before something is done about this mistreatment. A
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (AZ)

Factor Trust Furthermore, as you can see from the information above, your agency is not reporting accurate information. 
According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (AZ)

MicroBilt Furthermore, as you can see from the information above, your agency is not reporting accurate information. 
According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (MD)

XXXX initiated a conference call between my husband and I, and Nationstar. I explained that I had not realized that our mortgage was 90+ days past due. Nationstar stated that they had called several times. My response was that the caller only said it was an attempt to collect a debt. The caller ID did not identify the caller. The voice messages did not mention XXXX, Nationstar, nor did it say this was a mortgage loan. I brought the account current immediately after I received a letter after 90 days. No notification that they were sending messages to my inbox inside the XXXX app. I logged in once to view my statements and didn't see the messages. Nationstar defended their tactics and XXXX stood with Nationstar even though we had not had problems prior to nor after this incident. The late fees are {$270.00} and I do not feel we should be forced to pay them. We have had auto loans with XXXX and had great payment records. Money is tight because we have had some medical costs that have been very difficult.
Consumer complaint received 2024-05-21
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: AMERICAN EXPRESS COMPANY (FL)

The inquiries listed in the FTC report attached were not authorized to run my credit " I am only reporting Hard inquiries listed with the following companies that I did not authorize and want all removed. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ''
Consumer complaint received 2024-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Thank you for this service. I opened my checking/savings account with Citi Bank the first week of XX/XX/year>. There was a national cash bonus advertised, and I spoke to the representative, who gave me the information, and convinced me to open a savings account for the cash bonus. I have followed the prerequisites needed like keeping the correct balance in my savings account, waiting through the holding period, etc. This bonus should have been deposited months ago, yet it is almost XXXX, 6 months later, and the cash bonus has not been honored. I have over XXXX XXXX dollars in my savings still, which should have qualified me for a {$500.00} cash bonus 60 days after the Balance Maintenance Period as per the instructions. Like I mentioned, it has been six months since I have opened this account. I have tried to reach out a number of times, but to no avail. Thank you for your help.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

On XX/XX/17 I went to go rent a car it hurts and they do not accept a XXXX  credit card. So I went on my cash app and moved {$330.00} to transfer to my XXXX XXXX as they would take that card. As soon as money went into my cash up account they immediately suspended my account for suspicious activity. 5 days have passed and no one has reached out said anything. I have uploaded my license and verified my identity. Every time I call I get hung up on and I'll chat say sorry we don't have any information. I love week the week and the money that they took hostage has impacted my life for which I don't think I'll be able to come back from. I am unable to go to work and since I'm unable to work I'm unable to pay bills and I have XXXX  children and this is going to affect me horribly.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

I had a balance transfer offer taken away from me after i was promised it wouldnt. Ive contacted XXXX  chase refuses to put it back on my card even though i have proof from there own team saying it wouldnt be taken away if i replaced my card.
Consumer complaint received 2024-05-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an Amex Pre-paid GiftCard purchased at a local XXXX XXXX I used the card once earlier this year successfully. In addition, the card balance on the amexgiftcard.com website ( XXXX XXXX XXXX ) shows a balance of {$110.00}. I attempted to use this on XXXX and multiple times on XXXX XXXX XXXX, and the transaction was consistently declined. I then tried again with various other amounts less than the full face value and it continues to be declined. I called the number on the card, and they provided no recourse or solution other than " try another vendor. '' Many people have reported having this problem starting this past year.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a situation with XXXX XXXX XXXX in XXXX CA. I came down and put XXXX dollars down on a used XXXX XXXX XXXX XXXX, the CCT was not done correctly, ended up being a good faith contract, for one the sum of all charges was incorrect, violation # 1, violation # 2 was the CCT requires it to be a cash in hand transaction, it was not. There fore by them breaking the contract that was written I am entitled to all the money financed and XXXX per violation of the contract and the property. The down I paid everything!. I will be thankful once I have a check in my hand to start to make this really long stressful process finally to rest
Consumer complaint received 2024-05-21
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: Sunbit, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear XXXX/SUNBIT, I am writing to address a serious 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 ), the Missouri Revised Statutes under Sections 407.970 and 407.972, and identity theft fraud laws, specifically Missouri Revised Statutes Section 570.223.

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

In addition to federal law, Missouri state law, specifically Section 407.970 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 407.972 of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Revised Statutes Section 570.223, underscore the severity of unauthorized access and misuse of personal information. 

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

I demand, with the utmost certainty, that TAB/SUNBIT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 407.970 and 407.972 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

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

Done in good faith, XXXX XXXX
Consumer complaint received 2024-05-21
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: Resurgent Capital Services L.P. (SC)

I've received a copy of my consumer report and came across a company named Resurgent Receivables. They reported the account type as debt buyer basically incriminating themselves and proving violations of the Fcra. I had never had any sort of business with them some this has to be some sort of extortion for a monetary gain while causing damages to my reputation as a consumer in the process, They shall delete account immediately because I'm pretty sure that they will not provide the purchase agreement which is required under as proof of ownership of alleged debt.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Hello there, I opened a XXXX card XX/XX/22. I proceeded to use the card and received my first statement via mail. I called the number on the back of the statement which is Comenity capital bank and made the payment over the phone ( this phone call should be recorded in their system ). I then received a phone call regarding the payment being late which i let them know it was already paid, and they removed the late charges during the phone call and said they would look into it. I then received another notice in the mail with a higher amount for a late fee. I checked my account and noticed i did not see a charge during the time period that i made the payment to Comenity bank. I gave them another call and explained that i attempted the payment and they mentioned there must of been a glitch or hiccup in their system. They mentioned they would have the late fees removed and i proceeded to make the payment again online with someone, during this same phone call i asked for the card to be cancelled as i did not want these issues to arise in the future. This issue falls on XXXX and their payment system. After many phones calls these late fees and a closed credit card has drastically impacted my credit. I urge that this issue please be looked at and removed as they stated this many times in the above phone calls that their system glitched during payment and all late fees would be removed.