davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sensible Auto Lending, LLC (IL)

Re : Dispute and Demand for Immediate Removal of Defamatory Information and Violation of Consumer Rights I am writing to dispute the fact that you are furnishing information contained in my consumer report, which has resulted in the denial of a high-paying job opportunity and access to capital. I have attached a copy of the letter notifying me of the adverse employment decision. 

Furthermore, I demand immediate removal of the defamatory information, as it violates my rights under the following laws : 1. Defamation ( State laws vary, but generally, defamation is defined as false statements that harm an individual 's reputation ) 2. 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically : - 15 U.S.C. 1681b ( Permissible purpose ) you must have written signature by me and you dont!

- 15 U.S.C. 1681j ( Opt-out rights ) You are required under the truth in lending act to inform my rights that i can legally opt out and you knowingky withheld that information for your greater purpose. 
3. 15 U.S.C. 6802 ( b ) ( GLBA Privacy Rule ), Obligations with respect to disclosures of personal information You are sharing my information with third party companies such as XXXX, XXXX and XXXX these company is not a government entity so they do not have any business furnishing a report with my name and personal information without my say so either. 

I request that you take immediate action to : 1. Remove the defamatory information from my consumer report 2. Provide a corrected consumer report to all entities that have received the inaccurate report in the past two years 3. Confirm in writing that the above actions have been taken within 30 days of receipt of this letter Please note that failure to comply with this demand may result in legal action.
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management is attempting to collect a debt from me. The debt is not mine. 

Per a previous debt claim from MCM, I was told by an MCM supervisor, on XX/XX/23, that I would not be contacted again by MCM. 

On XX/XX/23, I recieved more debt claims from MCM. MCM has already established that the debt does not belong to me, my address, or my phone number. However, they continue to make claims.
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX, I had a XXXX  run a report on my husband. It revealed he had created fraudulent paperwork with someone in Chase Bank. MY husband purchased a home for us in NJ in XX/XX/XXXX with the loan being only on him. The report shows some type of refinance was fraudulently created adding my name to the loan on XX/XX/XXXX. When my husband let the home go into foreclosure, the report shows the original foreclosure being processed on him in XXXX with another Lender. By XXXX, my husband and someone within Chase had moved the loan and Chase filed a foreclosure on the home including my name. With records revealing this information, there has to be some paperwork that includes my name but the signature is forged. This effected my credit for years without me realizing it.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (IL)

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the NATIONSTAR MR COOPER. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the NATIONSTAR MR COOPER came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I went to Bank of America ATM on XX/XX/XXXX to withdraw {$1000.00} for XXXX present. The ATM malfunctioned and snapped on my finger and didnt dispense my withdrawal. I went into the bank and the representative said its on going problem and Bank of America wont shut down the ATM and does not fix it. Its before XXXX and Bank of America is refusing to credit my account because of their faulty machine. I am literally battling XXXX now I have to battle the bank to buy my family gifts for XXXX.
Consumer complaint received 2023-08-04
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: K STREET FINANCE, INC. (CA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (CA)

Despite the fact that I filed for bankruptcy, XXXX XXXX XXXX is contacting my relatives in an attempt to collect on a debt that has already been discharged in Chapter XXXX bankruptcy
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc. (IL)

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the BSI FINANCIAL SERVICES. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (UT)

XXXX XXXX at TSI incorporated on XX/XX/24 contacted me about an alleged debt with XXXX XXXX. He requested repeatedly that I make a payment. I requested that he mail me any forms, documentation of the debt, account numbers of the alleged debt, state license of TSI to collect the debt, and verification that they have been asked to collect the debt. He refused and stated that I needed to make a payment.
Consumer complaint received 2024-02-06
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: Self Financial Inc. (KY)

I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above.

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Today is XX/XX/2024 and Select Portfolio Service has not sent my monthly statement, Or my annual mortgage statement. There are thousands of complaints about Select Portfolio Servicing not mailing out customers mortgage statements. I have filled complaints numerous complaints about this issue. I have a paper trail of illegal, deceitful, fraudulent acts committed by Select Portfolio Servicing. They have copied and pasted my name to fraudulent documents and forged by name to fraudulent documents. Select Portfolio Service is a corrupt company. The law requires that I receive my monthly statements, each billing cycle on time. As well as, my annual mortgage statement. I have never had and issue with receiving my statements, or annual statements until I had to deal with Select Portfolio.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2024-02-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked XXXX XXXX to stop sending in the ACH Payments before the due dates, each policy is due on the XXXX of each month, and they are taking it on the XXXX of each month.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Bank/Credit card I am not liable for this debt due to the fact that I do not have a contract with this company and they have been attacking my credit report which is illegal 42 USC 408 , 15 USC 1681 right to privacy states that they have to have written consent in order to post anything to my credit report I have sent in several notice of intent as well as notice of trespass they have not provided any information on a contract in wet ink signature of all parties
Consumer complaint received 2024-05-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an American Express gift card for {$250.00} from a coworker. I tried using the card at several different online stores and nothing worked. I keep getting declined. I called AMEX and they told me the card was activated and ready to go. I tried again and was declined. I cant use this card.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I found out my two credit card accounts were restricted while I was trying to change address as I recently moved from XXXX  to XXXX. In the mean time, I created a checking account and they sent a debit card to my old address, which I wanted to avoid. I did not get any notification from Capital One that my accounts had been restricted. I just found it 'by chance. ' I called Capital one customer service and requested address change. I was told it was impossible because my accounts were restricted. I asked why but I could never get answer for it. I received two emails to submit government issued photo ID, Social Security Card, and Proof of Residence. I sent to two different recipient my green card issued by US Government, Social Card and Homeowner 's Insurance. Local government accepted same documents to prove my ID and proof of residence. However, Capital one called me in a week or so and said they DO NOT accept green card They only take utility bills. So I sent my temporary drivers license and water bill I received from XXXX XXXX XXXX. In 10 days, I got another call that they DO NOT accept the license as it was printed on one page and the utility bill is not the same form they accept. No one mentioned their 'Requirements ' but keeps adding new requirements every 10 days or so. This is so frustrating and I didn't have anything to do with this hassle in the first place. Two different persons keep calling me and requesting more and more personal information. I am even suspecting this can be a scam for identity theft. The callers were extremely arrogant and spoke to me in a threatening manner as if I am responsible for any potential problem by not following their never ending requests. All I want is to be able to use my credit cards again.
Consumer complaint received 2023-06-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

On XX/XX/2023 Navient contacted my mother for my debt collection which is illegal and harassment. The person who left a message is XXXX XXXX and called after XXXX XXXX  The phone number of XXXX XXXX is XXXX.
Consumer complaint received 2024-02-05
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 (NY)

I am not liable for this debt due to me never having a contract with this corporation also it is illegal and unlawful to attack someones credit report 42 USC 408, 15 USC 1681 which states I have the right to privacy and my credit should not have been attacked without written consent from me. They are also in violation of RICO for double dipping
Consumer complaint received 2024-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lotane & Associates, P.A. (FL)

I walked into the XXXX years ago without medical insurance I was having some weird thing happening with my XXXX. It XXXX me a lot. I waited in the waiting room and was called into the XXXX XXXX I stood there waiting and soon they put me in a chair in the hallway. Has I been sitting there I had many other people some with XXXX XXXX XXXX XXXX others with XXXX and XXXX XXXX so on a so forth. Well, the person that was sitting closest to me Happened to have a very highly XXXX XXXX XXXXXXXX called XXXX. I know this information due to the XXXX telling him out loud next to me your XXXX XXXX XXXX XXXX XXXXXXXX. well with that being said IO requested to be moved I personally had that one time, and it went into my XXXX  which almost XXXX me. Not to mention I have an XXXX XXXX and it causes my XXXX XXXX to be weaker. Anyway, I asked to be moved I was told NO. I never seen a XXXX I see a XXXX who stopped me on my way out of the XXXX because I left and said Oh your XXXX looks like a XXXX XXXX. I still walked out of the XXXX I got a call later from someone asking me why I left I explained why they then told me I have a balance which I explained I never got seen how you are sending me XXXX bill for sitting in the building I did not get treated I didn't even have my XXXX checked. I literally walked n sat in a chair in wait room moved to the back sat in another chair I didn't even use the bathroom why would I have to pay a bill i did not rightfully owe? I had the debit company contact me telling me I'm being with sued for this. I once again explain this entire story. I then explained I can not afford to pay this I work ft, but I also XXXX a XXXX  of XXXX XXXX. I do not have it. They sent me another court paper saying they will take my money from my company before I get paid.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

XXXX XXXX letters from XX/XX/XXXX stating they were XXXX XXXX XXXX XXXX different debits. XXXX debit was listed as XXXX XXXX account ending XXXX for a total of {$9000.00} for an alleged debit from on or before XX/XX/year> of {$4000.00} from XXXX XXXXXX/XX/XXXXXX/XX/XXXX. The debit was listed as XXXX XXXX account ending XXXX a total of {$1000.00} for an alleged debit from on or before XX/XX/year> of {$480.00} from XXXX XXXX XX/XX/XXXX 
XXXX ) have absolutely never had a XXXX XXXXXX/XX/XXXX 
XXXX ) these XXXX alleged accounts are well over XXXX yrs old. 
XXXX ) and I question that they claim XXXX accounts with XXXX different names.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

I was contacted by LVNV LLC about collecting a debt for XXXX I paid that debt in full. LVNV LLC wants confirmation from XXXX that they received payment XXXX will not respond to me. Matter of fact they state that I dont have any accounts with them even though they took my payment from my bank
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one close my 360 checking account out of nowhere because I received a {$1000.00} dollar XXXX from a family member to help me with bills. They didnt let me refund my family member, they just restricted my account. Me and my family member is now out of a {$1000.00} bucks. I havent receive any check in the mail or anything. My account shouldnt even have been close considering I follow all capital one 360 guidelines. This is super ridiculous and flat out robbery by capital one. I look online and many others like myself have experience the same thing
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

As of XX/XX/XXXX was the last time I received anything from the company but it is still showing on my credit. I have asked them to send me information about the purchases and still have not received them. I have spoken with several agents over the phone over the years since the card was stolen by my roommate. I have gotten a judgement against me because of this card. I was sent a letter stating that I needed to show a police report, I did not get one because the person was my roommate and they did not allow me to file on where I lived at the time the charges were made. It was in XXXX South Dakota. I requested years ago to have the card closed because it was gone and so was the roommate. I have disputed the charges online, I sent in the dispute letter to them back in XX/XX/XXXX that came in the mail from XXXX XXXX XXXX. I have not heard back from them, no more letters or correspondences. 
The company had me served by XXXX XXXX XXXX in Arizona back in XXXX, I did not receive a copy of the judgement at the time. It was received months later in the mail that it was given to someone who was at my apartment at the time. Not a resident ; though the letter states a CO-RESIDENT
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/year>, {$1900.00} was taking from my checking account ( Huntington bank ), I was scam by a company call XXXX XXXX XXXX XXXX, that I did not authorize. I open 2 dispute case with my bank, my bank Huntington doesn't want to refund my money back.