davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates, the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, XXXX have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Portfolio Recovery Associates whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: I.C. System, Inc. (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document. 
Please provide me with : XXXX. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe. 
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
XXXX. Proof that the XXXX of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and XXXX XXXX or XXXX of XXXX. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character If your offices can provide proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

It's been over 6 months I originally added {$250.00} to my XXXX XXXX from my wells Fargo card but then I. Got a email saying my XXXX  account was closed and never received my {$250.00} back to my original card
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is reporting 2 collections that are for credit cards opened fraudulently. I have filed an identity theft report and reached out to the bureaus and portfolio to give them a chance to fix it and they are still reporting despite the accounts being fraudelent.
Consumer complaint received 2024-04-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (CO)

XX/XX/year>, we were pre prequalified for a loan. We thought prequalified meant qualified and no other need other than income and identity was required. Yet, once shown interest in the loan we were asked for this information : So far, we've received : Authorization to Release Proof of full coverage Ins. - insurance declaration page Proof of full coverage Ins. - {$1000.00} max deductible Paystub Paystub Paystub Paystub Paystub Paystub Photo ID - Back in Color Photo ID - Back in Color Photo ID - Front in Color Photo ID - Front in Color Social Sec Number Verification - SOCIAL SEC CARD-FRONT Social Sec Number Verification - SOCIAL SEC CARD-BACK Tax Return - SOCIAL SECURITY CARD-FRONT Title application : all pages, dates and signatures - CAR DOCUMENT Utility Bill - PROOF OF ADDRESS Vehicle Registration Vehicle Title - VEHICLE TITLE Vehicle Title - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Back ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Driver Sd ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Front ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Odometer ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( Pass Side ) - CAR DOCUMENTS AND PICTURES Picture of vehicle ( VIN ) - CAR DOCUMENTS AND PICTURES Here 's what you need to send us : Social Sec Number Verification - SOCIAL SEC CARD-FRONT So far , we've received : Authorization to Release Paystub Paystub Photo ID - Back in Color Photo ID - Front in Color Utility Bill - PROOF OF ADDRESS Here 's what you need to send us : Photo ID - Back in Color Photo ID - Front in Color After giving this information the loan company kept asking for more personal PPI that is never required for a title loan! This violated our consumer rights.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a cheque worth XXXX, which I received from my housing community as a security deposit refund. Chase bank is asking me to verify the cheque with the maker of the cheque. My housing community has policy to communicate via mails or written communications and Chase Bank has policy to only speak over the phone.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

On XXXX XXXX I bought a car and the dealer help me to get a loan with Ally auto. My original loan was for {$37000.00}. I sent my payment by mail which was received on XX/XX/XXXX and the checks was for {$680.00} for my monthly payment and the other for {$1000.00} for additional to the principal, both checks was cashed on XX/XX/XXXX. On XX/XX/XXXX I made one online payment for principal for {$20000.00} and this payment appears on my ally auto app and you can see that I paid {$19000.00} to my original balance and {$420.00} for finance fee and my balance due is {$18000.00}. But the checks for {$1600.00} dont reflect on my balance. I tried several times to explain this situation but they didnt want fixed they said this checks was applied to finance fee.
Consumer complaint received 2024-01-12
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: Dakota Financial, LLC (NY)

HELLO, Few days ago I received my credit report and I was amazed : I found bunch of unauthorized credit inquires on my credit report. They were in all XXXX XXXX report. looks like someone has my personal information and time to time requests credits on my name. 
As soon as I'm going to apply for mortgage I need that inquires to be removed from my reports. 
Other vise I will loose much time and money because mortgage lenders will decline my application for financing. 
I will list them below : XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX. 
Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. Please remove these inquires as I don't remember applying for anything. 
XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for its inclusion. Should the creditor fail to provide verification, please proceed with the removal of said information. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. 

Thank you in advance : XXXX XXXX
Consumer complaint received 2023-03-15
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX
Consumer complaint received 2024-04-15
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account Number XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Valor Intelligent Processing, LLC (NJ)

Notice to Cease and Desist To Whom it XXXX Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2023. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report
Consumer complaint received 2024-04-26
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: TRUIST FINANCIAL CORPORATION (MD)

As a result of a scam, which involved my opening an attachment to a fraudulent email, someone took charge of my computer and made a cash withdrawal of {$5000.00} from my Truist credit card and deposited it in my Truist checking account, on XXXXXXXX XXXX XXXX Without my knowledge, Truist adjusted the cash withdrawal and the transaction fee of {$200.00} and then reversed their decision on XXXXXXXX XXXX XXXX. I withdrew {$4400.00} from checking and sent it via a XXXX XXXX to a XXXX  address on XXXXXXXX XXXX XXXX. The State of Maryland, Office of the Attorned General, Consumer Protection Division said in a letter dated XX/XX/2023, that " Based on the information provided, this appears to be a scam. '' I provided the same information to Truist when I filed my first claim, but Truist cited insufficient evidence as the reason for their restoring the fraudulent transactions. I filed two more claims with the bank, the last being Case Number XXXX. In a letter regarding the last claim, Truist stated that " The disputed transaction ... will be removed from your credit card balance. '' I have attached two statements : 1. My credit card statement showing that on XXXXXXXX XXXX XXXX {$5000.00} was withdrawn, and on XXXXXXXX XXXX XXXX that transaction and accompanying transaction fee were adjusted and then restored. ( I opened this credit card to make a balance transfer ; but with the cash withdrawal, I have been charged nearly {$200.00} in credit. 
2. My checking statement showing that {$5000.00} was deposited online and that {$4400.00} ( per the scammers instructions on how to return what they said was their money ) was withdrawn, all on XXXXXXXX XXXX XXXX
Consumer complaint received 2018-11-21
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: DISCOVER BANK (NV)

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IL)

Our cell phone receives multiple calls each week from RMP LLC debt collector from different toll-free phone numbers, each with the same automated message : " Hi this call is from a debt collector this is our RMP LLC please call us back at XXXX again the number is XXXX '' We have attempted to call this number on multiple occasions during business hours to obtain further information and get another automated voice message, unable to reach a live representative. 

We block their phone # and then receive similar call from another toll-free number from them with same automated message.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (GA)

On XX/XX/2023 I paid off the balance so that I could receive the funds in reserve for my Credit Builder Loan. The loan was to put aside funds in a reserve and once paid off they would be released to my account. The payment was processed and was said to take up to 14 days to be received. I contacted Moneylion on several occasions in XXXX via chat and email. The only response I have been given is a dedicated team is looking into it. Tried to get more information today ( XXXX ) via chat and phone call and still being told the same thing. No one can give me any answers and they said that they are not allowed to let us speak with the team reviewing the issue, nor can anyone tell us what the issue is.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: GLOBAL PAYMENTS DIRECT INC. (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Global Payments Check Services consumer credit report sent to me via mail.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Hello- I sent XXXX XXXX XXXX multiple disputes to verify and validated the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Unfortunately, they never sent me proof of any late payments or verification of the account. The only letter that they sent me on XXXX only provided just an open date of XX/XX/XXXX and {$0.00} Balance. This does not meet FCRA 's criteria for account validation or verification. 

Also, I notified them of inaccurate reporting errors on their part ( inaccurate : Open Date and Unverified late ) and requested that they remove the unverified lates. 

I sent disputes to the Transunion and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They too have yet to send me any proof or correct the inaccurate data on my reports. 

Please help!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (GA)

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX  ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Social Security Number : [ XXXX ] Date of Birth : [ XX/XX/XXXX  Current Address : XXXX XXXX XXXX XXXX XXXX Georgia [ XXXX ] I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within 30 days of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.