davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (VA)

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Under Virginia FCRA and Identity Theft Laws Dear DISCOVER BANK, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, in violation of the Virginia Fair Credit Reporting Act ( XXXX ) and identity theft laws. Specifically, this violation is in direct contravention of Sections XXXX and XXXX of the XXXX of Virginia. 

It has come to my attention that [ XXXX XXXX ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The XXXX, under Section XXXX, mandates that consumer consent is a prerequisite for such reporting activities. 

Moreover, Virginia identity theft laws, particularly XXXX XXXX, highlight the gravity of unauthorized access and misuse of personal information, emphasizing the protection of consumer rights. 

I assert unequivocally that I have not provided consent for [ XXXX XXXX ] to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating disregard for Virginia state laws. 

I demand, with utmost certainty, that [ XXXX XXXX ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX of the XXXX and XXXX XXXX of Virginia identity theft laws XXXX Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the XXXX and Virginia identity theft laws. This is not a negotiation ; it is a demand for compliance with state regulations, safeguarding consumers like myself from unauthorized credit reporting. 

I expect [ XXXX XXXX ] to address this matter promptly and rectify these violations, respecting my rights under Virginia state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (PA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2018-08-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

XX/XX/18 Received phone call ( not robo ) from " XXXX '' who asked for me by name and left voice message asking me to call back regarding a person named " XXXX XXXX '' Asked me to call back at : XXXX ext XXXX. 

The phone # used to call me is : XXXX XX/XX/18 I called back using XXXX, spoke with " XXXX '' who asked for my account # or SS #. I told him I didn't have an account and wouldn't give my SS # over the phone. I asked what company : it was Ally Financial. I asked what the call was related to and he said auto loan. I said I didn't have an auto loan and asked what this was related to. He said " XXXX XXXX '' I told him I would report this and asked for further information. This is what I got is : Ally Financial XXXX XXXX, Manager XXXX XXXX XXXX XXXX, Minnesota XXXX Phone : XXXX Web : www.allyfinancial.comXXXX Email : not given He said he would remove me from his call list.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Future Judgement Solutions (UT)

FJS Global keeps trying to contact me over someone else 's debt. I have had my phone number for approx 15 years and I am not the person that they are trying to contact. I have told them multiple times to stop contacting me and they keep trying to contact me about monthly. I have spoken to representatives multiple times to stop calling and they haven't.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been my 2nd attempt to clear all data. checking my file ive noticed all data reported is reporting illegal an fraudulent information. this has caused alot of denials on my credit report. please review an remove the listed items asap to clear my credit report.
Consumer complaint received 2024-05-10
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management : XXXX {$460.00} Under the provisions of XXXX XXXXXXXX of the United States Code, Section 1028, it is illegal to engage in fraud and related activities concerning identification documents and information. Regrettably, I have reason to suspect that my personal information has been compromised, leading to unauthorized transactions and account access. 

XXXX. Your business has purposely refused to correct this situation & continue to violate my consumer rights. 

I am deeply concerned about the security of my account and the potential impact of this fraudulent activity on my financial well-being. As per Section 1028 of the United States Code, I request that MIDLAND CREDIT MANAGEMENT undertake a thorough investigation into these matters and take appropriate measures to rectify the situation.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

I am writing to dispute the inclusion of a collection account on my credit report furnished by AMSHER COLLECTION SERVICE account number XXXX. The furnishing of this account is in violation of the Fair Debt Collection Practices Act 15 USC 1692, as I have never agreed to conduct any business or entered into any contractual agreements with this company.

Given that I have no established relationship with this collection agency, I am not obligated or required to pay this debt. As such, the reporting of this account is inaccurate and unjust. AMSHER COLLECTION SERVICE has also failed to provide me with a strict proof of contract with my signature specifically naming this collection agency ( ASHMER COLLECTION SERVICE ) as an entity entitled to collect a debt from me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose therefore AMSHER COLLECTION SERVICE did not follow proper protocols and is non-compliant with the FDCPA.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (IA)

This account appears on my credit report and does not belong to me. I would like supporting documentation showing that this account belongs to me or I want this removed right away. I have not received any cooperation with this company in assisting with either request.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$1200.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was issued a check dated XX/XX/XXXX, by from a maker at XXXX XXXX XXXX XXXX in the amount of {$2500.00}. On XX/XX/XXXX, I endorsed the check, deposited it through via a mobile deposit into my account at Bank of America ( BofA ), and clearly marked the check as a MOBILE DEPOSIT. Records from XXXX XXXX XXXX XXXX reflect that the check was processed by that bank on or before XX/XX/XXXX. 

On XX/XX/XXXX, I was the victim of a documented theft wherein a thief broke into my car and stole a bag. Inside that bag was the above-referenced check. After numerous conversations with Bank of America staff about this issue, I was told that over twenty days later, the check was fraudulently cashed at an unknown XXXX XXXX  ( XXXX ) location, presumably by the thief. That XXXX location paid out cash in the amount of {$2500.00}, notwithstanding the fact that ( 1 ) the person cashing the check was not me, the individual the check was made out to, and ( 2 ) the check clearly reflected the fact that it had already been deposited via a mobile device as it was marked MOBILE DEPOSIT. 

On XX/XX/XXXX, I received a letter from BofA stating that the check was returned unpaid, and therefore the amount of the checkthat had been properly deposited via mobile deposit months priorhad been debited from my account. 

I have since spent countless hours interfacing with Bank of America, XXXX and XXXX XXXX XXXX XXXX. No one is willing to take responsibility for the funds errantly taken from my account.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-18
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. (CA)

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.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

I attended XXXX XXXX from fall XXXX through XXXX. When I was accepted into the school they told me to reach out to Sallie Mae, now Navient, to apply for financial aid. I was approved for a {$100000.00} student loan in less than 10 minutes at the XXXX XXXX XXXX, with absolutely no credit history. I later found out that this was a private loan and did not qualify for any debt relief programs, bankruptcy, forgiveness, etc. Since being approved for my loan, it has doubled due to interest rates and fees. These Navient loans should be illegitimate and forgiven due to XXXX XXXX misleading me. I was sold false information about the school and programs. In XX/XX/XXXX, the California Bureau for Private Postsecondary and Vocational Education ( BPPVE ) accused the XXXX XXXX XXXX XXXX and its then parent corporation XXXX XXXX XXXX of persuading prospective students to enroll by " willfully misleading '' them, and " falsifying and omitting critical information. '' Dealing with Navient has also been a struggle. Their customer service representatives are often cold, rude, and disrespectful. Ive been told by them that I just need to make more money to pay off my loans and that I should have known better than to take out the loan in the first place. They purposely take out my automatic payments for the month past the due date, and then tact on late fees. Ive discussed this with them numerous times and each time they put the blame on me, even though its an automatic payment that they take directly out of my bank account. 
I have paid them around {$12000.00} a year since XXXX and they treat me like Ive never made a payment. Ive never defaulted on my loans and I do everything in my power to make sure they get paid every month. Often having to choose between paying my loans or buying groceries, which usually means I forgo groceries for the month. These loans have completely debilitated my life financially. I live with the burden every single day, knowing that I will probably never pay these loans off. I live each day knowing that I cant fully provide for my family how I want to because these loans will always take precedence over anything else. 
I was scammed by a school, took out a loan, as a naive XXXX XXXX XXXX kid with no financial literacy, had that loan doubled due to interest, and have spent my entire adult life working feverishly to pay it back. These loans should considered illegitimate and be forgiven due to the predatory nature of a for profit school.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I lost my wallet on XX/XX/XXXX which had my pin and my card in it when I realized I lost my wallet I checked my capital one app and seen XXXX dollars was taken from my account I called and filed a dispute but capital one denied my dispute and told me that the transaction was authorized by the account user and it wasnt
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (LA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-05-09
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (MD)

I received in the mail a letter from XXXX XXXX XXXX XXXX dated XX/XX/2024 stating that my Nelnet Student Loan account is delinquent and that I owe {$7800.00} now. Different methods for sending in payments are included : 1 ) regular mail - XXXX XXXX XXXX, XXXX, DE XXXX ; 2 ) overnight mail - XXXX XXXX XXXX XXXX XXXX, DE XXXX ; XXXX ) XXXX XXXX XXXX ; 4 ) XXXX - receive code XXXX, XXXX, DE ; 5 ) XXXXXXXX XXXX XXXXXXXX ; 6 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 ) QR code. 

The letter also provides www.cfpb.gov/debt-collection to learn more about my rights under the federal government. Because the website provided is credible, it makes the letter appear credible. 

I contacted Nelnet and was told my account is not delinquent.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (TX)

Hyundai Motor willfully repossessed the vehicle in 2022, however, upon recent discovery I found that the account states it was charged off. Since it has been reported as inaccurate information it should be removed immediately.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (UT)

On XX/XX/XXXX I send Aldous and Associates a debt dispute letter through my attorney XXXX XXXX XXXX. On XX/XX/XXXX my attorney received a response but the collections agency did not address my concerns about how I had cancelled the account several times, and cancelled an extra charge several times while I had the account so I did not owe the money. 
I never received back a response to this and then they reported my debt to collections without notifying me that the debt was validated. I have have XXXX  correspondence with Aldous and Associates wince XX/XX/XXXX.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (CA)

I received a promotion to open a checking account at BMO bank ( Exhibit XXXX ). To receive {$600.00}, the terms stated : XXXX. On XXXX XXXX after account opening, your Average Collected Balance over the 120 days must be at least {$10000.00}. 
XXXX. Have at least ten ( 10 ) electronic transactions post to the account within 120 days of account opening.

I did not understand the meaning of Average Collected Balance and the *branch manager at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX explained that it simply means money deposited and not later returned. XXXX XXXX confirmed that I may deposit a check and that the first day of the 120 days would be on the day that the check is deposited. 

I opened the account on XX/XX/XXXX at the XXXX XXXX XXXXXXXX and XXXX XXXX again confirmed that the check deposit would be day one of the 120 days period. I deposited a check for {$10000.00} at account opening. 

There was an issue with a charge on the account that was corrected on XX/XX/XXXX and XXXX XXXX confirmed that the average collected balance would be above the required {$10000.00} [ for the {$600.00} bonus ] if the current balance was held until the end of the 120 days ( Exhibit XXXX ). 

My statements ( Exhibit XXXX ) show the {$10000.00} deposit on XX/XX/XXXX, eleven electronic transactions ( XXXX ) and an average balance above {$10000.00} until XX/XX/XXXX ( 123 days ). However, the bonus payout on XX/XX/XXXX was only {$400.00} instead of the expected {$600.00}. 

XXXX XXXX investigated the issue of the reduced payout and found out that he himself had received incorrect information from the bank, and that the information that he had provided in turn was incorrect. Apparently, BMO did not start the 120 days clock on the day that the check was deposited but at some later date. I assume when BMO lifted the check hold? This is not even shown on the statement! The calculated average balance was therefore somewhere between $ XXXX {$10000.00} and this only qualified for the {$400.00} bonus ( See Exhibit XXXX ). 

XXXX XXXX was very sorry for the incorrect information he had provided, and he and his manager requested that I receive the missing {$200.00} for the full {$600.00} bonus ( Exhibit XXXX ). 

Unfortunately, the bank refused to pay the {$200.00} despite the incorrect information that I had received ( Exhibit XXXX ).