davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (TN)

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Your company is attempting to collect a debt without a contract. According to XXXX5 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.

Thank you for your attention to this matter
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I deposited a check written in another name. Bank put a hold on the account for the funds and will not release them after the check has cleared through the bank. Bank has opened a savings acct and will not release funds unless the other party comes into a branch location and endorses the check, ( which has been already done ). Other party lives outside the state and I was simply cashing a CASHIERS CHECK for her since she didn't have a bank account herself. The check has not been reported lost, stolen, etc and the longest the bank can hold the funds is 30 days. It has been over that time and the fraud department advised me there is nothing that can done to release the hold on the account. I believe this is total discrimination and I need the funds to be released asap.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (FL)

I received an approved credit card number ( not a card ) with a {$4000.00} line of credit in my name in the mail today from a company called Genisis FS Card Services headquartered in XXXX, OR. I called and spoke with their fraud department. The first thing they requested was my social security number. I said no. I offered instead the credit card number they assigned in my name. They were not interested and said I would have to contact the FTC and file an affidavit They would respond to that in about 60 days. I feel this was a phishing expedition.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (FL)

ii have asked XXXX XXXX on several occasions to provide proof that i owe the debt i asked them to provide a signed contract from the original debtor and it is now 9 months later and still don't have any info or an answer, when i called and asked them they told me to just pay the bill hen in fact i don't owe the bill we walked away from XXXX  free and clear we returned the phones as instructed by XXXX  paid our final bill and we thought it was over. when i ask for proof they gave me the run around.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I deposited a couple paychecks to Chase through my mobile checking account and forgot to sign the back of the checks in XXXX. 2 out of 6 checks were past 6 months so Chase put a hold on my account and the funds. I went to my local branch and several other ones near me to try to get them released. They tried to verify the number linked to the XXXX with no avail. The owner of the checks- my boss- went with me multiple times to Chase to verify the checks and confirm they were not fraudulent. Chase refused to release the funds even though the owner provided proof of ownership of the XXXX under the XXXX and stated they would only be able to release the funds once they got the correct phone number and called it using " their '' system. Despite the phone number we gave them being attached to the XXXX name of the business with the same address as the XXXX on the check, Chase has refused to release the funds. The funds have been pulled from my boss 's account and has been held and not been released for 2 months.
Consumer complaint received 2018-05-21
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: CITIBANK, N.A. (OH)

XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with CBNA/Best Buy. An account with CBNA Best Buy was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXXXXXX. An official dispute of this information was submitted to CBNA/Best Buy fraud department XX/XX/XXXX ; however as of this date CBNA/Best Buy has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's XXXX  credit report. In addition an official dispute of the CBNA/Best Buy account was submitted to XXXX ; the address associated with the fraudulent account was also reported to XXXX  however, as of this morning XX/XX/XXXX " XXXX '' a representative with XXXX confirmed with my client, XXXX XXXX the fraudulent address and CBNA/Best Buy information was not being removed. 
Both XXXX  and CBNA/Best Buy are in violation of FCRA and have violated my client 's federal consumer rights.
Consumer complaint received 2023-03-13
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. (CO)

XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BMO Bank, N.A. (WA)

BMO platinum credit card claims I have a balance of {$2.00} but I never received this card or signed up to open this card. When I call the XXXX XXXX number that came on the statement they mailed to me. Theres a weird dial tone with lots of In-N-Out like its out of country. The XXXX number was XXXX.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TN)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information FOX Collection Center has illegally reported my information to unaffiliated 3rd parties ( XXXX and XXXX ) without proper proof, my consent or giving me XXXX disclosures required by law. 
Pursuant 15 USC 6802 states that theyre required by law to give me 3 disclosures. I have checked for all documents from their institution and received none. The documents Ive seen which were mine, none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ) ( 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 Dates open on my consumer : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I mailed a certified letter requesting disclosures and tried to dispute online requesting validation of debt which requires signatures and documents but was denied
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/, I filed a travel cancellation/interruption claim for {$450.00} with respect to my Chase Sapphire Reserve credit card. In confirmation, Chase card benefit services assigned claim number XXXX. We had to cancel a bed and breakfast reservation in XXXX on XX/XX/ outside of the permitted cancellation window of the establishment because of XXXX for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I contemporaneously uploaded and submitted supporting documentation at the time I submitted the claim. 
I received no further communication from Chase. On the website my claim remained in " pending '' status. On or about XXXX XXXX XXXX I called Chase to inquire of the status. I spoke with XXXX XXXX XXXX who indicated he was in a call center in the XXXX. He indicated I would receive a written communication the next day from Chase describing further documentation I would need to submit in support of the claim. I received no such communication, and the website does not appear to describe any such further necessary documentation.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I initially filed a complaint with the CFPB regarding Chime opening a fraudulent account with my information on XX/XX/XXXX. I first alerted Chime to the issue on XX/XX/XXXX. Chime sent all of my complaints to an AI responder that failed to actually read my complaint. On XX/XX/XXXX, Chime responded to my CFPB complaint by falsely claiming they provided with me information they hadnt. It is embarrassing how badly Chime handles personally identifiable information. Not only does Chime attempt to auto-reply its way out of issues, it responded with false information to the CFPB. My original issue with the fraudulent Chime account stands, I do not consider my previous CFPB complaint resolved, and I am claiming that Chime intentionally lied in their stated resolution to my CFPB case. 

Chime in their response to the CFPB stated On XX/XX/XXXX, we provided you with a copy of the information used to open the Chime account. Along with the copy of the account statement previously provided to you on XX/XX/XXXX, we've provided you with all available information regarding the Chime account opened using your information As further reassurance, Chime will not report any information to external credit reporting agencies in relation to the unauthorized account, and Chime will not hold you responsible for any activity on the account. They never sent me this additional information. All I ever received from Chime was an unhelpful estatement in mid XXXX. My many emails indicating the estatement did not contain any useful information and was not what I was asking for was ignored as Chime sent me this same statement probably 5 times in XXXX. I have received XXXX additional information from Chime since. I replied to Chimes CFPB response indicating that I never received any additional information and would file a follow up CFPB complaint. Here it is : )
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have never received a debt validation nor debt verification from the 3 credit bureaus on this account. I have requested this information several times as this is outdated debt from XXXX XXXX, over XXXX XXXX XXXX.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MI)

On XX/XX/23 I received an email from Credit Karma advising me that my savings and checking account has been locked and this may have come from suspicious activity. I tried calling and the customer reps are advising that they have no info for me. No one is responding to my emails or anything.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I have reached out to this company on XX/XX/2020 ago regarding documentation for validation of this debt and how it belongs to me. company has never responded but continues to collect on it pass the FCRA rules of responding with validation within 30 days. This is unfair and damaging to my credit report.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TN)

This company has sent me numerous amount of harassing emails monthly. Ive never received any notices in the email regarding this alleged fraudulent debt. I just keep getting annoying emails from this company asking me for money. Section 1006.6 ( b ) ( 1 ) ( i ) prohibits a debt collector from communicating or attempting to communicate, including through electronic communication media and in violation of 15 U.S. Code 1692c - Communication in connection with debt collection. I never got any notices that validates this debt with my signature listed anywhere.
Consumer complaint received 2022-11-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I am reaching out for clarity to how I ended up in a hardship financial situation after completing a XXXX bankruptcy term. I applied for XXXX XXXX bankruptcy on XX/XX/XXXX with XXXXXXXX XXXX XXXX in which all debts listed in this transaction would be cleared at the completion of the term. After the end of this 5-year period I was told on three different occasions that I stilled owed approximately {$20000.00} to my mortgage company. The first statement was for {$19000.00}, the second was for {$15000.00}, and the final document stated that I owed {$17000.00}, of which I notified XXXX XXXX XXXX, my bankruptcy attorney. At this point, I am not sure what is due because the terms of my bankruptcy agreement should have had all balances paid in full upon completion. What appears to be the problem is the discrepancy between XXXX XXXX XXXX and XXXXXXXX XXXX. Somewhere during the 5-year span, payments were not correctly sent to my mortgage company. I am unclear how I owe taxes and homeowner 's insurance, since they both were included in the original agreement of my mortgage loan payment. I am seriously trying to understand how I came out owing more to my mortgage company, at the end of this bankruptcy agreement than I did going into the agreement. I do not wish to lose my home of 35 years to a technicality in which payments were not allocated properly. I made the payments instructed for me to pay and now my home is facing foreclosure. I have been told that I need to vacate the premises 20 days from XX/XX/XXXX, which would fall on XX/XX/XXXX. I need your assistance in this matter, as the window for me being asked to leave my home is rapidly closing.
Consumer complaint received 2018-05-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received the included email from Bank of America, stating : Hi, XXXX, we would like to remind you the promotional rate you're currently receiving on your balance ( s )  listed below will expire in approximately 90 days After the expiration date, any remaining portion of the balance will be charged at the Annual Percentage Rate ( APR ) noted below. 
Offer code : XXXX Transaction type : Direct Deposit Cash Advances and Check Cash Advances Promotional APR : 0 % Promotional end date1 : XX/XX/XXXX Current balance 2 : {$6500.00} APR after promotion ends : 20.99 %, a variable APR based on the U.S. prime rate New transactions do not qualify for this Promotional Offer. 

However, after making a payment of {$6500.00} on XX/XX/XXXX, It was applied to the loan that was not due until XX/XX/XXXX and nothing was applied to the payment that was due on XX/XX/XXXX. This resulted in a interest charge of {$120.00}. 

Also, a secret balance due not show on statement was resulting in interest charges for non existing purchases. The charges were : XX/XX/XXXX {$6.00}, XX/XX/XXXX {$6.00}, XX/XX/XXXX {$3.00}. 

Even though interest was prepaid on 2nd loan thru XX/XX/XXXX, I was not able to make good on this since I was now required to payoff XX/XX/XXXX loan before XX/XX/XXXX loan could be paid. This loan had a 3 % prepaid charge for borrowing money thru XX/XX/XXXX which I was forced to pay off 4 months early.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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.