davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (CA)

XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not recieved a written notice of clarification. So, I assumed that the debit was invalid. 
I was then contacted by a collection service ( State Collection Service Inc. ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 inructions 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 2023-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing number:XXXX ; an account number : XXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I hold checking accounts at a branch of Webster Bank in XXXX, New York. I have been repeatedly requesting mailed monthly statements for my checking accounts from Webster Bank. I have also made those requests through prior complaints made with CFPB. 
Webster Bank took my original checking account ending in XXXX and kept of portion of the funds in that XXXX account but put the majority of the funds into another checking account ending in XXXX. This was done by Webster Bank because two fraudulent checks were written against my checking account ending in XXXX. 
My efforts requesting mailed statements started with a face-to-face request with the banker at my local branch. No result. I then followed with emailed requests to the banker. No results. I followed this with filing a CFPB complaint. Webster Bank did finally start to send my statements for my checking account ending in XXXX. However, they have not sent any at all for my account ending in XXXX which held the majority of my funds. 
Webster Bank did not reimburse one of the two fraudulent checks cashed against my account because they claimed I did not report the fraudulent activity within 30 days. In light of this it's very unfair and hurtful to me that they have not provided mailed monthly statements to me for account ending in XXXX. I hereby AGAIN request that they please provide my statements so I can have control of my checking account. This is causing many sleepless nights. 
Please help me to resolve.
Consumer complaint received 2018-10-28
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: LEXISNEXIS (ND)

I have contacted LexisNexis about a bankruptcy appearing on my credit report from XX/XX/2010. I asked the rep at LexisNexis how they verified this account as accurate, and he stated that they obtain their information from public records and sell it to the 3 bureaus ; XXXX, XXXX, and XXXX for profit. Under the FCRA laws, LexisNexis MUST obtain their information DIRECTLY from the ORIGINAL CREDITOR of the account, or it should be deleted from my credit report immediately. As you can plainly see in this letter which I have included from the United States Bankruptcy Court in XXXX, ND, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If LexisNexis is not verifying this account information with the ORIGINAL CREDITOR, they are in violation of FCRA laws, and this bankruptcy should be deleted from their records and from my credit report immediately.
Consumer complaint received 2023-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have giving you written or unwritten verbal and nonverbal per 15 USC 6802.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (CA)

For fiscal year XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX issued a property tax bill of {$9800.00} to be made in two payments of {$4900.00}. 

Our mortgage company, United Wholesale Mortgage ( UWM ) issued one payment of {$4900.00} in XX/XX/XXXX and three payments of {$4900.00} XX/XX/XXXX. UWM issued one tax refund of {$4900.00} on XX/XX/XXXX. We have been awaiting the refund of the other {$4900.00} for nine months now. 

I have attached the escrow account payment history from the UWM online portal and UWM XX/XX/XXXX mortgage statement to support the three tax disbursements made in XX/XX/XXXX and only one refund provided in XX/XX/XXXX. 

UWM representative, XXXX XXXX, has acknowledged the error made by the UWM team and informed us that the work order will be completed and a refund of {$4900.00} will be issued by XX/XX/XXXX. I have attached the response from XXXX XXXX for support. We followed up again with XXXX XXXXUWM via secure message on XX/XX/XXXX and have not received any response nor refund to our escrow account. We have spent many hours following up and explaining this error to UWM. We have been contacting UWM via secure message and phone since XX/XX/XXXX to fix this issue. 

Please note that XXXX XXXX XXXX has confirmed no refund due to us. The refund of {$4900.00} will need to be issued by UWM as they had incorrectly disbursed the extra tax payment in XX/XX/XXXX and have not refunded us as of today, XX/XX/XXXX.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

{$1400.00} was taken from my account back in XX/XX/year>, I got a call from a supposedly Truist representative, but it turned out to be a scam, but dont know why theyre refusing to refund my account. The scam came from North Carolina, Im in XXXX.
Consumer complaint received 2023-12-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (TX)

I contacted Flagship Credit Acceptance on XX/XX/2023 regarding a negative account listed by the credit reporting agency I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor never responded.
Consumer complaint received 2024-03-22
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. (NV)

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : XXXX. XXXX XXXX XX/XX/2024 I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Consumer complaint received 2024-03-22
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

I am writing to you today to express my deep concern regarding the blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced at the hands of your company. Specifically, you have violated codes 15 U.S. Code 1692j, 15 U.S. Code 1692f ( 1 ), 15 U.S. Code 1692e ( 9 ), 15 U.S. Code 1692f ( 7 ), and 15 U.S. Code 1692e ( 13 ). 

I have attached proof of your numerous violations in the form of an affidavit, invoice, and the initial response letter from your company. As a result of your actions, I have suffered significant harm, including derogatory marks on my consumer report. This is unacceptable and I demand that all derogatory marks be removed from my consumer report immediately. 

Furthermore, I demand that you pay the attached invoice for the cost of the harm caused by your violations. Your failure to comply with these demands will result in further legal action against your company. 

I want to emphasize how seriously I take this matter, and how deeply disappointed I am that your company would violate such important regulations. The FDCPA exists to protect consumers from harassment, abuse, and other unfair debt collection practices, and your actions have demonstrated a blatant disregard for the rights of consumers. 

I urge you to take immediate action to rectify this situation, and to ensure that similar violations do not occur in the future. Please respond to this letter promptly with your plan for addressing these issues.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MD)

From XX/XX/XXXX to XX/XX/2023 my Equifax score was XXXX. However XX/XX/2023 my score dropped XXXX. The only change was a XXXX XXXX balance decrease of {$550.00}, which should have increased my score by XXXX instead the opposite occurred. This is unethical and unfair business practices. 

conclusion : XXXX is participating in unfair and unthethic business practices. After decreasing my XXXX XXXX balance by {$550.00} resulting in a {$0.00} balance and a credit ultization of 14 % I should have seen an increase in my score not a decrease by XXXX pts.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I think FCRA XXXX requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2023 it shows that a bank account through Bank of America was opened without my permission or my husband 's permission. We've had a claim filed for id fraud. When we checked our account around XXXX we then checked all of our emails. I had noticed that we received two emails stating an account application was processing and then approved. The information was signed up using one of my email addresses that are not even on my bank account, which is very weird in itself. It seemed that the application was processed around XXXX this morning and approved within the same time frame. I spoke with a representative in the fraud department of the bank and they stated the fraudster used my login information. They ended up deleting the login information and the account that was opened fraudulently.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

On XX/XX/XXXX XXXX XXXX I received a notification from XXXX, which alerts me when there are any change made to my credit file. The notification was that two accounts were reported to collections by the company Jefferson Capital Systems. 

Prior to these accounts being listed on my credit file, Jefferson Capital Systems did not reach out to me or contact me as required by federal law section XXXX ( a ) ( 1 ) which states : A debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section. 

Jefferson Capital Systems failed to follow this law and in the course of their negligence, and not properly allowing me to verify and dispute these accounts, thier actions caused my credit score to plummet.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

Freedom Mortgage @ XXXX XXXX XXXX XXXX is reporting that the balance on my loan # XXXX is XXXX to the credit agencies. The correct amount is {$570000.00} as noted on their web page in my account. The misleading amount has caused my credit to debit ratio to skyrocket and my scores to drop. I called them today XX/XX/2023 spoke to representative # XXXX who told me that its my responsibility to write to all XXXX credit bureaus! I told her that her company generated this false information on purpose apparently. This is a direct violation of the Fair Credit Reporting Act. I am a XXXX Veteran who has tried extremely hard to obtain exceptional credit only to have this company try to ruin my exceptional standing. They do not give XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX legal representative
Consumer complaint received 2023-06-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My nephew XXXX XXXX opened an account with a credit card in my name from the Bank of America. I don't know all the credit card details but the Bank of America phoned me and verified if my name was XXXX XXXX on my XXXX XXXX XXXX. He was fraudelently taking credit cards in my name. He has my fake driver 's license and took my social security card. He gave people my social security card, I don't know all the details.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2024-03-22
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. (GA)

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 XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX 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 2023-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recovery Solutions (NE)

rent recovery solutions has my account for collections for an apartment that I never moved into even-though I signed a lease I never moved into the apartment let alone actually saw the apartment or even came to the apartment complex building and met anyone. all this was achieved via email and during covid-19. I was approved under false pretenses and I also made every attempt with the apartment company to resolve the signing of a lease and not actually taking possession of the unit. At this current time I am in XXXX  XXXX bankruptcy since XXXX, and I have told this company that even though this is a post petition debt they can't contact me due to my automatic stay until my bankruptcy is discharged. Since they've had my account they have repeatedly called several times a day from different numbers at all hours leaving voicemail messages since XXXX. The last time i was contacted by this company the representative used expletives and yelled and hung up in my face when I again advised that they weren't supposed to contacting me but could contact my lawyer. my complaint is for the violation under bankruptcy laws and for harassment and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (CA)

Please see attached XXXX Police Report Pages 1 -10 ; www.IC3.gov FBI internet crime Report pages 1-7, FTC report number I am a victim of a Grand Theft California Penal Code PC 487 grand theft level : felony. 

Google Play Account Holders falsely representing themselves as " XXXX Support '' and scammed me our of {$2000.00} on XX/XX/2018. 

Per XXXX Police investigation " Google Play '' has data access to track purpetrators and track transaction details to dispute and credit the {$2000.00} charges to include 1.The actual data entered by the user to get a Google account 2. The email for the Google account user 3. The IP address for the user regarding all transaction on the Google account including email purchases playing from remote devices etc. 4.The end IP addresses for all email and messages sent from google account users 5. The actual emails and messages and contents there of that were sent received 6. The physical location of the users IP addresses that Google logs for each search each purchase and any delivery 7.The type of purchases, products, services but through the Google account and any clues that might collectively provide 8. The type content and language is used including syntax of words and phrases search through any of Google search engines while logged into the Google account I have brought up all these issues to google play at XXXX they provided me with a report number but have failed to give me any sort of refund I am requesting and demanding an immediate refund of {$2000.00}