davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MN)

I called  midland funding  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XX/XX/XXXX , and it was sold to them, they purchased it  XX/XX/XXXX she said .I asked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers  for new credit card thru   XXXX   XXXX  .I should n't still be responsible.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (OH)

I have been working with a amex worker appointed by previous complaints for a number of months and it has led nowhere. I will be sending a complaint every single day until i either get my funds returned PLUS the interest that has accumulated since the birth of my account. Or i get in contact with someone with the power to get my funds released with in a week. If either of these are not met i will continue to send in complaints.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (MI)

Formally requesting for the XXXX pay for my account # XXXX, be removed. For some reason UpGrade does NOT allow its customers to manage the autopay online. 
I know they will say it's for security reasons but we all know it is not. 
Many times I like to make payments early for various reasons, but can not cancel the autopay. 
Therefore, I want to make sure there is proper documentation that I have made this request. 
Email Address for this account is : XXXX XXXX
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Complaint Against TMX Finance XXXX XXXX XXXX XXXX XXXX InstaLoan Dear Sir/Madam, I am writing to file a formal complaint against TMX Finance XXXX XXXX, XXXX XXXX InstaLoan XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for what I believe to be a violation of my consumer rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I applied for credit with InstaLoan. I received a notice of action taken, indicating that my application was denied due to the company 's inability to confirm that I am not a XXXX covered borrower. The stated reasons were either a system outage, an issue with the application, or a credit freeze. 

I believe this denial is unwarranted and constitutes a violation of my rights for the following reasons : 1. **Equal Credit Opportunity Act ( ECOA ) Violation** : The ECOA prohibits discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program. The inability to confirm my status as a XXXX XXXX  borrower should not be grounds for credit denial if it was due to a system error or technical issue on the part of the creditor. This denial may indicate discriminatory practices or negligence in processing my application. 

2. **Fair Credit Reporting Act ( FCRA ) Violation** : The FCRA requires that credit reporting agencies ensure the accuracy and privacy of information included in consumer reports. If the denial was based on a credit freeze or inaccurate information, InstaLoan may have failed to uphold the accuracy and privacy standards mandated by the FCRA.

I request that the CFPB investigate this matter to ensure that InstaLoan complies with the XXXX and FCRA and that my consumer rights are protected. Please find attached the notice of action taken and any other relevant documents supporting my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (TX)

Please note that a complete narrative of the events is included in XXXX which is my first language in order to prevent misinformation and the lost of important details needed to present this complaint. 

1. For several years ( since XXXX ) I have been trying to receive information about decisions, status, letters among others from the mortgage account I have with Banco Popular, however the bank refuses to keep my contact information as co-borrower current and available. I have asked Banco Popular on numerous occasions to keep updated information on both parts, borrower and co-borrower on their records without been successful. Banco Popular has stated that if one of the parts changes the contact info they can not do anything to avoid it. 

2. Banco Popular has failed to provide evidence of the cancelation of previous debt on my property ( before the current loan was signed on XX/XX/XXXX ) ignoring federal and state laws among others dispositions and regulations. 

3. Banco Popular has provided misleading and inaccurate information of the nature of the debts marked on my property making me think that I am responsible for it when it is Banco Popular as investors and current owners of the account the solely responsible of provide evidence of cancelation of the legal financial debt on my property BEFORE I became the owner ( Banco XXXX XXXX ). 

4. Banco Popular violated my right to start a loss mitigation process in order to keep my property from foreclosure since XX/XX/XXXX. 

5. Banco Popular has presented a legal process of foreclosure ( dual tracking ) at the same time that is obstructing the Loss Mitigation process forcing me to resign to my legal right to receive a copy of the appraisal as established under COA, 12CFR ; 1002.14 ( a ) ( 1 ), TILA and RESPA.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX my nephew and I visited local dentist I have been going for years Previous dentist quit and new female substitute was in his place I have XXXXXXXX XXXX last two years at XXXX XXXX  Normally a filling is XXXX XXXX  The doctor cut short our visit due to previous customer late We did not get XXXX XXXX  after cleaning and thus rushed out for her next appointment Prevous history : Filling XXXX XXXX  Cleaning including fluoride was XXXX XXXX  My charge was XXXX XXXX  ( nephew ) XXXX ( my cleaning ) and XXXX filling Total XXXX XXXX
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I need cash app to send me all of my statements from the year XXXX and XXXX. I want the statements to show my remaining balance after each transaction On XXXX XXXX I sent a payment via cash app to XXXX XXXX. He declined the payment and Cash app claims to have refunded me my {$170.00} to my card ending In XXXX I have uploaded my bank statements from my card XXXX CASH APP HAS NEVER REFUNDED ME MY MONEY. 


I will contact the news media and escalate this. I suspect Cash app continually steals from people
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

Account is over XXXX  year reporting period and should be removed from my credit report. Creditor is also illegal updating and reporting last activity date. No activity from me have been done in the account. I requested account be removed from my credit report file as of FCRA with no action from creditor. Please delete account from my credit file. Thank you.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

These Credit Reporting Companies : XXXX, XXXX, EXPERIAN, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. EXPERIAN XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is XXXX.
Consumer complaint received 2024-05-18
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: Global Lending Services LLC (CA)

HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, AND ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY FROM MY REPORT!
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Synchrony bank closed an account ( XXXX XXXX XXXX XXXX ) with someone's personal slanderous, maligning opinion. " Activity in account ( XXXX ) with synchrony bank indicative of high risk of " failure to pay. '' Account they are referring to has never had a late payment ever and I did NOT enroll this account as I felt justified in paying entire amount. Second I am in a XXXX XXXX XXXX XXXX, in which I have already settled 75 % accounts with these bloodsuckers including their " inflation '' charges. They put another negative statement on my credit where it would have shown I paid it all off and closed in good standing. If I were at high risk of failure to pay, why are they getting paid above principal on amounts they have jacked up another 30 % bs fees on? This company is NOT willing to work with consumers. Until you bring in a third party, they are worthless. This company is an ambulance chaser buying up all credit card companies, putting the working person in financial bankruptcy. I could have filed, or just not paid a dime and let them write them all off. Really motivates me to NOT want to pay these vampires another dime on any remaining accounts.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit 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: SYNCHRONY FINANCIAL (PA)

I purchased fuel at Walmart on XX/XX/XXXX totaling {$70.00}. I also did a curbside pick up of groceries on the same day for {$58.00}. Those charges are legitimate. I have an unauthorized charge of {$76.00} on XX/XX/XXXX, also from Walmart.

I called WalMart to inquire about the {$76.00} charge and they told me it would take 30 days to responsed. The Walmart rep explained a " 10 day hold '' is always placed on the card due to possible adjustmens for grocery orders, which I understand. I have heard nothing further. I called Synchrony bank the same day. 30 days passed and I didnt get any response so I called Synchrony bank again on XXXX only to find out the dispute was closed, but I was never notified. I spoke to a third Synchrony rep after I received an email the next day on XX/XX/XXXX that my dispute was closed again. The third rep advised I had to send screenshots from my phone from my WalMart account. I dont understand why an unauthorized charge, of which I have no paperwork to submit isn't being adjusted. It's been 30+ days.
Consumer complaint received 2023-11-07
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. (NE)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2024-05-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (IL)

I contacted the company through XXXX and I ask the company could prove Im the person who applied for the services prove like copy of my ID or me holding my ID to make sure Im the correct person and the funny part in order to get copies of the investigation I have to proved copy of my ID but to open an account apparently not required because they could harasses the person and destroy his future and identify
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Savings Group, Inc. (GA)

RATE GENIUS Inquiry Date : XX/XX/XXXX Action Taken : I did not authorize this inquiry and have filed a dispute with XXXX. 
XXXX XXXX Dates : XX/XX/XXXX, and XX/XX/XXXX Action Taken : These inquiries were not authorized by me. Disputes have been filed with XXXX and XXXX respectively. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX Action Taken : This was an unauthorized inquiry, and a dispute has been filed with XXXX. 
XXXX XXXX Date : XX/XX/XXXX Action Taken : I did not authorize this inquiry. A dispute has been filed with XXXX. 
XXXX Inquiry Date : XX/XX/XXXX Action Taken : This inquiry was unauthorized, and I have disputed it with XXXX. 
No further action has been taken by the companies as of yet regarding these disputes. These inquiries are suspected to be the result of identity theft, and I have submitted identity theft affidavits along with police reports to support the disputes.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

NOITICE XXXX XXXX XXXX XXXX/ LAW OFFICES MBA IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

Credit Collection Services claims I owe an amount of {$1400.00} to XXXX XXXX XXXX. This balance appears to reflect coverage from after I switched to another insurance company, XXXX was provided with proof of insurance and as I recall, one or two reps verified receipt. I switched companies several months ago from XXXX XXXX to XXXX XXXX, proof of insurance was emailed to XXXX.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

DEAR LVNV FUNDING LLC ; RESURGENT CAPITAL ; CFPB ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.