davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc. (WA)

The ex husband committed fraudulent activities on this bank credit card account of XXXX XXXX XXXX XXXX  in XXXX, WA, I had a power of attorney before the ex husband went to jail for his fraudulent criminal activities back in XX/XX/XXXX, I did divorce the ex husband before he went to jail on XX/XX/XXXX but once he was released from jail on XX/XX/XXXX he reopened the divorce case and he wants me to paid his fraudulent activity on XXXX credit card account that has been closed for more then a year now and XXXX send it to collections and now Im getting harassed to pay a debt that wasnt mine to begin with and the credit bureau it was sent to hasnt gotten back to me, so I am not sure if this debt exists or not. I dont know the actual account number for this credit bureau , I dont have no proper information on this credit bureau on a phone number and the name of this credit bureau only , Ive left messages for them to call me back I only know its around {$5100.00} or less. I did get court documents stating I have to pay this fraudulent identity theft debt but I am not sure if its real or exist because the ex husband never provided an account number nor a creditor account number neither and I went today with a witness to the ex husband attorneys office to speak with him about this and the receptionist at this Attorneys office set up an appointment at XXXX XXXX  they failed to come through with this appointment. So now Im being harassed by this attorney and the ex husband and a judge to pay the fraudulent and identity theft credit card debt of XXXX XXXX XXXX  and I went to speak to XXXX and they stated the account is closed and they give me the number to this credit bureau collections Century at XXXX. I need help on this because I dont know how to get in contact to make payment arrangements I dont have the creditors account number of the collections information. On XX/XX/XXXX I was court order to pay this debt.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MI)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information.

As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In 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
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the Fair Credit Act 15 USC 1681 codes ( a-J ) I have a right to a fair and accurate reporting of my credit. 
XXXX and TRANSUNION have continually vilolated my rights and continuaally report inaccurate and balatant fraudualnt info on my report. I have sent the FTC ID theft Affidavit report back in XXXX of XXXX  to report of the errors along with settement notices of XXXX data breach that involved my name. 
XXXX and Transuinion still shows adresses that are not mine nor have I ever lived anywhere near these addresses. 

Transuinon has the adresses of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ND and XXXX XXXX, ca XXXX. 

XXXX has XXXX XXXX XXXX, XXXX, ND XXXX The account XXXX  XXXX the account wasn't verified because XXXX doesn't have this account with my address this account is at an unknown address and XXXX and TRANSUNION has lied saying they verified. 
XXXX XXXX account has been inputted again with a 4 different numbers for the same account. # XXXX # XXXX and this account was notified of ID theft back in XX/XX/2022. 
My name is XXXX XXXX but XXXX has refused to update my name and is still showing fraudualnt names. 
XXXX XXXX XXXX is not my name. 
Iwant these accounts deleted a or compensate me for my traumatized time I have tried to rectify theses violations of my consumer rights! 
I have attached the a copy of the FTC affidavit I have filed with them in XXXX along with my XXXX data breach notice along the a new Affidavit To show proof of two diiferent numbers for the same account. 
I have also attached acopy of my credit report to show poof of blatant inaccurate errors on my report.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/24 Bank Of America was instructed by me on my bill pay account to pay XXXX XXXX XXXX XXXX. {$4100.00}. The amt. was deducted from my cking acct. on XX/XX/24 but never received by XXXX XXXX. The B of A check was intercepted and the wrong- doer prepared a new check with a new payee, new address and forged the B of A signers name. The forged ck was deposited in another financial institution and B of A processing center processed and approved the forged ck and it was processed. Bank Of America has been trying to get reimbursed for the funds from the bank of 1st deposit for the last 3 months and has never reimbursed me. Bank of America approved and processed the ck. I have put a claim in with bill pay and the only messages I receive ( about 10 ) are that they are trying to recover the money. I have called the bill pay number about XXXX times ( XXXX ) and get a different person each time who can only tell me that there is nothing they can do as it is in the hands of advanced research. On XX/XX/24, I had to pay XXXX XXXX again as they were pressuring me with action against me and liens. Bank Of America should have reimbursed me as soon as they discovered what happened In XXXX. I do have a copy of the washed check and copies of some of the messages from messaging in Bill Pay.
Consumer complaint received 2024-01-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (FL)

Tied to CFPB complaint # XXXX that has since been closed on XXXX because mortgage provider Mr. Cooper provided a resolution response. In that response, they report the loan assumption/closing for a XXXXXXXX XXXX   that occurred on XXXX was finalized as of XXXX. This is not a correct statement. I obtained a new XXXX XXXX XXXX XXXXy processed XXXX, and it shows I/seller have no eligibility remaining as XXXX  records still show I am the homeowner of the previously sold XXXXXXXX XXXX. If this closing/loan assumption was complete, the buyer 's eligibility would have been substituted in for mine, thus returning my eligibility. I called the XXXX  to inquire if any documents had been received from Mr. Cooper and perhaps were simply still " in process '' to return my eligibility, but they reported no such documentation received to show sale of house/loan assumption complete/substitution of eligibility. Mr. Cooper is preventing me from using my XXXX  home loan guarantee to purchase another home. I have uploaded the certificate of eligibility as evidence that Mr. Cooper still has actions due to truly finalize this transaction. XXXX XXXXXXXX XXXX, APPLICATION FOR ASSUMPTION APPROVAL AND/OR RELEASE FROM PERSONAL LIABILITY TO THE GOVERNMENT ON A HOME LOAN was completed by the seller and submitted to Mr. Cooper ( via email XXXX XXXX ) on Sunday XXXX as one of the many required documents to complete to start this loan assumption process, and as part of a package sent to seller and buyer by Mr. Cooper. Additionally, this email included XXXX XXXXXXXX XXXX STATEMENT OF PURCHASER OR OWNER ASSUMING SELLER 'S LOAN, completed by the buyer, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), also completed by the buyer.
Consumer complaint received 2024-05-03
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: ALLY FINANCIAL INC. (IL)

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX 
XX/XX/XXXX ( Bank ) XXXXXXXX XXXX XXXX. 
XX/XX/XXXX ( Bank ) XXXX XXXX XXXX XX/XX/XXXX ( Bank ) XXXX XXXX XXXX XXXX  XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (PA)

Account Name Your report says XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX Midland Credit Management I 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/XXXX XXXX XXXX XXXX owe $ XXXX off XX/XX/XXXX Dept of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX I owe $ XXXX off XX/XX/XXXX There is also an unemployment claim taken out in my name in XX/XX/XXXX. I have been consistently working at my job since XX/XX/XXXX 9 years.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Resurgent Acquisitions LLC for a range of violations, including but not limited to deprivation of rights under the color of law and engaging in unfair and deceptive trade practices. 

Resurgent Acquisitions LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my unalienable rights of XXXX religion and faith, falsely accusing me of owing an alleged debt which I adamantly refuse to pay. This company has demonstrated unfair and deceptive trade practices, as well as unfair debt collection practices. 

My religious beliefs, as stated in XXXX XXXX of the XXXX XXXX, emphasize " Owe no man anything, but to love one another, for he that loveth another hath fulfilled the law. 

Resurgent Acquisitions LLC, however, has disregarded my religious convictions and persistently harassed me, making false statements about my concerns. 

In response to CFPB ID XXXX submitted on XX/XX/2023, Resurgent Acquisitions LLC stated that my concerns were already addressed in their previous response dated XX/XX/2023 which is false and misleading. 

Despite my explicit statement that I do not give lawful consent to transfer my personal identification information, the company continues to cause intentional infliction of emotional distress, XXXX, and harm to my family, willfully depriving us of our rights and XXXX faith. 

I reserve the rights to sue Resurgent Acquisitions LLC, its agents, employees, counsels, attorneys, etc., and demand compensation for the damages inflicted upon me and my family. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

XX/XX/2023 : I opened a business checking account with US Bank. 
XX/XX/2023 : I updated the address from the local place of business in XXXX to my home address in XXXX I recieved a debit card in the mail. 
XX/XX/2023 : I was not able to log in to my US Bank account online or activate my debit card. I called and was informed that my account was frozen and directed to the Fraud department. I was told that I would be sent a letter in the mail to notify me that the account was being closed, and that it would take 7-10 business days to receive the letter. I was told that I would receivea cashier 's check in the mail, and verified my mailing address. 

XX/XX/2023 : I went in person to a US Bank branch location to inquire about the status of the closure and get my initial deposit of {$3000.00} back in full. I was told that they couldn't see any specific about the account and there was no time frame for the review process. Again I verified my address and was told to wait for a letter in the mail and a cashier 's check. 

XX/XX/2023 : I called the US Bank Fraud department to inquire about the status of my account. I was told it would take 45-90 days for them to complete a claim. Again, I verified my address and explained that I had not received anything in the mail to notify me of the pending closure of my account.end of XXXX I received a statement from US Bank that showed a {$6.00} analysis service charge. I don't know what that charge is for, and I can not even log in to access my funds, so haven't been about to use the business checking account at all.Obviously they have the correct mailing address because I got a statement in the mail. 

XX/XX/2023 : I call US Bank again to inquire about my account being closed and why I have not received any letter or check. I was told again that there is no timeframe for the claim. Again I verified my mailing address and was told to wait for a letter and a cashier 's check. However, they did not say that I would get my full initial deposit of {$3000.00} back.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

This company is reporting 2 collection accounts on my credit report as past due, which violates 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681.

AccountsXXXX, XXXX.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC. ()

I have had several online gambling sites that describe themselves as " sweepstakes prizes '' lure me into believing they were somehow just gaming sites. I know this sounds pathetic but I ended up sending my debit cards ( photos ) and bank statements to several of these websites after being asked to prove my identity. Not long after money was flying out of my account as soon as it went into it. I get Social Security. I also live in XXXX XXXX My income is fixed and my bills are as of this moment 3 months overdue because I have my XXXX XXXX deposited to " SOFI BANK, NA '' who has basically ignored my begging them to block these transactions. There customer service is often confusing to me. I have mental health issues and have to have someone communicate on my behalf. The system they use to verify transactions is confusing at best. I just want to on behalf of all XXXX individuals say that SOFI bank has me homeless this month.
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (KS)

Disputes were filed with both XXXX and Equifax in XX/XX/2021 to remove a fraudulent XXXX account. Neither have removed the fraudulent account despite being provided with documentation from XXXX that it was fraudulent. XXXX was supposed to assist with this but has done so. 

Dispute was successful with XXXX as it was removed from my credit report 2 years ago.
Consumer complaint received 2023-04-26
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. (NC)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, JPMCB and XXXX XXXX XXXX XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account On XX/XX/XXXX, I bought a XXXX car financed with XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. These accounts inaccurately reflect the reporting. I'm entitled to {$1000.00} for each mistaken report in my credit file.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (AL)

On XX/XX/XXXX XXXX lock my account, with my funds inside of account. I asked the to release my funds and remove restrictions from my account. They refused to do so, so I asked them to release my funds and close the account and they refused to do that as well. They proceeded to ask me to verify identity. I did this multiples times with several representatives for XXXX consecutive days. They then asked me to upload banks statements, which I also did, but to no avail. XXXX support, then ask me to provide a bank statement for an account I linked to my XXXX account. I explained to them that would be impossible because I created the account less than a month ago, meaning the bank has yet to generate a bank statement. The other bank statement they asked for I uploaded. They are refusing to release my funds because my bank has not generated a bank statement for my new account that was also linked to XXXX yet. I've loss funds and also missed business opportunities behind XXXX refusing to release my funds. I've accumulated late fees for all my bills, as I have explained to them and yet they still will not release my funds or respond directly to my email. I keep receiving the same computer generated email. I am suffering behind all of this even though I've completely verified my identity. There is no way they can say I haven't verified I am the owner of the account. At this point they are making me slip into debt because of unprofessionalism and lack of care.
Consumer complaint received 2023-09-01
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

Starting in XX/XX/2023 I made several credit card purchases with a Citi Bank credit card where I had previously rolled a larger purchase into an installment loan at a favorable rate ( approx 5 % ). 
I judiciously prepaid these subsequent card purchases in advance of the billing cycleto avoid the 22 % + standard credit card interest rate. 
Citi inappropriately charged me interest on these subsequent purchases at the high rate. Their bankers pointed out that my prepayment in advance of the billing cycle caused a system glitch whereby the normal hierarchy of payment applications didnt work. They refunded my interest twice but claimed they could not refund more than twice ( regardless of it being their system error ). Something is wrong and many customers may be getting over charged.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, XXXX and Capital One Auto Finance ran my credit without my knowledge and permission and add a hard inquiry to my account On XX/XX/XXXX, I bought a XXXX car financed with XXXX XXXX
Consumer complaint received 2024-05-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I never received XXXX stimulus refund. I then called to receive a new card and found out the card was empty since someone had used all the funds. I filed a dispute last year ( XXXX ) around XXXX. It's been over a year and my dispute hasn't been settled and Everytime I call they give me a different answer on what's happening with my case.