davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (DC)

On XX/XX/2018, I received a letter from Penn Credit Corporation informing me that they were attempting to collect a debt from the City of XXXX for an unpaid parking citation. The letter itself provided a violation description, tag number, violation date, citation number and balance. 

Upon calling Penn Credit I was informed that there were two parking citations referred to them by XXXX XXXX. I do not ever recall receiving a parking ticket on from XXXX XXXX that went unpaid. Additionally, I never received from XXXX XXXX any notification that these tickets were unpaid and subject to be referred to debt collection. 

On XX/XX/2018, I called Penn Credit to dispute these debts. Without information regarding where the ticket was given, the reason for the ticket, and proof of a violation, I do not see this as a valid debt.

When I told the Penn Credit representative this information, she told me that a simple list of the reason for the debt sent to me was enough proof to make it a valid debt. I do not believe this is a fair practice or even a legal one for that matter.
Consumer complaint received 2023-12-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Hello, I have a CD Account with Citi Bank. My account number is XXXX. 

My CD account is matured on XXXX XX/XX/2023. I called XXXX weeks before to maturity date and told CITI person on call that I would opt to withdraw my balance once this CD gets matured. 

When I checked today then I dont see my request in CITI system and still it says I have 7 days of grace period to make selection and it says I can make selection Online too. 

I tried to make my selection on their online portal but it only allows to renew it no option select withdraw. 

So I thought of calling their customer care again and then my horrible experience starts. Call went to a lady In their Call center which is in XXXX and I was barely able to hear her and after XXXX min she finally transferred to another guy whose name was XXXX, thats what he told me. 

This guy was extremely rude and arrogant with me. He never tried to help and instead he tried to just argue. I asked can you transfer call to someone else or your superior but he didn't and just went silent and when i asked again he just hanged up. 

This is extremely poor and rude behavior which i never expected from CITI. You will loose business CITI. I actually thought of opening a Saving account and transfer this fund to saving account but now I'll never go with CITI. 

You need to look into this complain and make some disciplinary action against this guy. 

I called on XXXX XXXX XXXX XXXX XXXX time, my cell phone number is XXXX. Please check your records and look into this. 

On top of that I dont know how to get my money back from CIti XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (GA)

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not onl violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY ()

XXXX XXXX XXXX I forwarded a letter complaint, addressed to the Manager, Wells fargo Card Services, at XXXX XXXX XXXX, XXXX XXXX CA XXXX. Earlier also on the same month, My daughter who is residing permanently in XXXX, was able to contact the fraud department of the Wells Fargo and reported about this criminal activity. The issue was about the billing and their intention to collect from me, purchases made on my Wells fargo XXXX American express card. I strongly refuted and opposed the billing and collection based on the following grounds. ( 1 ) This particular credit card has expired in XX/XX/XXXX and I did not renew it anymore, because I was already scheduled to leave USA. ( 2 ) I am now residing permanently in the XXXX. The two stores where the purchases were perfected in XX/XX/XXXX, does not exist in our locality or in the XXXX. Despite the earlier report of my Daughter about this criminal acts plus my own letter complaint to the company, No action has been taken on it until today, Hence this statement has been formalized intended for your office, for your information, guidance and action..
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX BANK XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$490.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00} ; PXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX N.A. ) XXXX Balance : {$4700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX N.A. ) XXXX Balance : {$6500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MD)

I just found out that discover students loans is showing on my credit report for a paid off loan. The loan was paid off in XX/XX/XXXX. I received a letter in XXXX this year they reported me in error to the credit bureaus yers ago which I wasnt aware of. Im going out for a job the checks my credit and they mention XXXX which I had never heard of. In checking my report SLc is discover student loans. Looking at my XXXX XXXX today it has dropped. Investigated why and it shows XXXX of my fully paid discover student loan accounts has been delinquent in XXXX, XXXX and XX/XX/XXXX abs Ive been making payments on time in this account since XX/XX/XXXX. That cant be considering the account has been paid in full since XX/XX/XXXX. I spoke with a representative in the phone at discover StudeNt loans abs was told this sort of issue is common and it will take a while for it to get corrected. Im so annoyed with this issue because my father was my co-signer and Im sure this issue is now affecting his credit as well which he never asked for. Im just learning discover student loaves has a past of doing this. I would like to know how I cant get the issue fixed because discover XXXX XXXX XXXX seem to be highly confused and the two companies are not communicating in order to fix client issues such as mines. Im afraid this issue on my credit may affect me in getting a potential job due to them mentioning this negative aye on my credit report.
Consumer complaint received 2023-12-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (FL)

I am writing to file a formal complaint against Westlake Financial for Non-Compliance, False Information, and Negligence in Handling Disputes. Westlake Financial a financial institution, failed to comply with their own policies, violation of laws and regulations, and the willful and negligent mishandling of my dispute. Westlake Financial has failed to provide me with the 1099-C form, despite my numerous specific requests and efforts to retrieve such important documentation. The IRS Definition of an 1099C is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure. This lack of compliance with tax reporting obligations hinders my ability to fulfill my own legal and financial responsibilities. Westlake Financial has provided me with false and misleading information regarding the resolution of my dispute and the issuance of the 1099-C form. Despite assurances of communication via email, I have not received the promised information. Furthermore, they have ignored my certified mail requests, displaying a willful and negligent disregard for my concerns. I have made numerous attempts to contact Westlake Financial regarding my dispute and the issuance of the 1099-C form, and they have consistently failed to respond in a meaningful and timely manner. Their repeated assurances of email communication have proven false, and their failure to acknowledge certified mail requests demonstrates a lack of commitment to resolving consumer concerns. Enclosed with this complaint, please find the following supporting documents : Copies of correspondence with Westlake Financial regarding the dispute and the 1099-C form. Any relevant documentation submitted during the dispute process. Proof of attempts to contact Westlake Financial, including certified mail receipts. The IRS explicitly states in the Instructions for Forms 1099-A and 1099-C that each creditor responsible for a portion of a canceled debt of {$600.00} or more must issue a Form 1099-C. As you are aware, the debt in question fulfills this criterion, and your failure to provide the necessary documentation is both irresponsible and in violation of federal regulations.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

Previous CFPB Complaint XXXX resolved XX/XX/XXXX through XXXX XXXX in XXXX. XXXX no longer in that position. 

Received letter from Shellpoint that two of our mortgage accounts XXXX & XXXX would have escrow amounts added beginning XX/XX/XXXX after Shellpoint approved to remove escrow and refund escrow balance in XX/XX/XXXX. Contacted XXXX to find out she doesn't work in XXXX. She provided generic dept email to submit inquiry- never received answer beyond mailed letter that Shellpoint is collecting info. 

Our other mortgage account XXXX with several properties did not have escrow added back. 

Reason for removing escrow on our accounts is Shellpoint didn't pay taxes or insurance bills previously. We've been through several iterations of threats for lender placed insurance after proof of insurance submitted to the website they requested. 

Can not get an individual 's name to follow through to resolution. Same issue as last time.
Consumer complaint received 2023-12-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KS)

Comenity Bank was the credit card for XXXX 's loyalty program ( XXXX XXXX ). XXXX sold to Bed Bath and Beyond and canceled their loyalty program but sent through an annual membership fee anyway. The fee went through in XXXX but the loyalty program cessation email said it was canceled in XXXX. I informed Comenity bank that I wanted to dispute the charge as it was for a program that no longer existed but they left it on my account and charged me late/interest fees. After receiving harassing emails, I decided to pay to get them to stop calling. I paid the account off in XXXX {$45.00} and requested an email confirming that the account was closed. They did not respond. A week after my final payment, they changed a {$2.00} minimum interest fee to my closed account ( XX/XX/13 ) and then charged a {$2.00} minimum interest fee and a {$2.00} late fee on that {$2.00} balance on XXXX, XX/XX/13 and then continued to charge late fees on their minimum interest charge for months with no notice to them that the account was no closed and that I was accumulating fees. In XXXX they started calling telling me I owed them {$30.00} in fees due to not paying the {$2.00} in XXXX. I checked my email history and I've had nothing from them. This is their business model, fees on empty closed accounts. I finally agreed to pay it off using my credit card over the phone because the time delay between paying it off an them posting the payment would allow them to keep the account open by posting another late fee or minimum interest charge. The representative on the phone said that even with my credit card, I should add {$2.00} to my payment to keep them from posting another fee to keep it open. She said, on the phone, that they intentionally time collection calls so there is no way to pay off the balance and have your payment post in time to avoid another {$2.00} fee to hold the account open. I paid the extra {$2.00} and finally got the account closed, I think. But they still have not sent anything that confirms the account is closed and continue to send emails encouraging me to shop at XXXX which no longer exists. I've now paid them over {$120.00} in late fees and minimum interest fees on an account that I closed in XXXX because they are threatening to report to credit agencies. I have no idea how to get them to stop but if you look on the XXXX  site, I am not an isolated case.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was promised a job and training with the company XXXX XXXX XXXX. They said they would need to get me started with computers and programs and applications that cost money. They sent me a check of {$9600.00} and they said the only way to get the supplies was to deposit the check into my account. Which I did at an ATM connected to XXXX called XXXX in XXXX installments because the amounts were so high. They are Sequence XXXX XXXX XXXX XXXX XXXX for {$5000.00} ; Sequence XXXX XXXX XXXX XXXX XXXX for {$2000.00} ; and Sequence XXXX XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I sent the money thinking I was going to get computers, apps, and programs for my new job because Wells Fargo said I had deposit availability of {$2500.00} available immediately, while the rest of the money {$7100.00} was available XXXX. So, I thought everything went through. I then got a warning on my card that said I was overdrafted and that the check noted as : XXXX counterfeit check XXXX XXXX w/o XX/XX/XXXX SVC XXXX XXXX XXXX was posted to my account. Wells Fargo did not warn me until it was too late and I already deposited and used the funds. I thought I had the money in my account because they said I did at the time. There are XXXX claims I have with them : XXXX XXXXXXXX for the high dollar amount and the other one is a {$500.00} claim with XXXX at XXXX XXXXXXXX. I called up Wells Fargo and let them know everything, even the check number. I just received XXXX new checks in the mail from the same distributor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX with amounts of {$4900.00} check XXXX XXXXXXXX and {$4800.00} check XXXX XXXXXXXX. Please help! My accounts are overdrawn and I lost my checking and savings over this.
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OR)

XX/XX/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. XXXX XXXX took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on credit.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (PA)

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYST this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You JEFFERSON CAPITAL SYST knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.