davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX  XXXX  XXXX, XXXX, FL XXXX* ATTENTION  DISPUTE DEPARTMENT CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Consumer complaint received 2024-04-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (OK)

I am trying to link my online Optum XXXX account to my XXXX XXXX XXXX XXXX account through one of the financial aggregators. After trying multiple times, I am unable to do so.

I would like to Optum to correct this issue.
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT CAINE WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX XXXX 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Hello to whom it may concerns, I have problems with chase bank. On XX/XX/XXXX in the evening I received notice of being overdraft from my checking for {$8.00} I immediately deposit {$100.00} because I know that there will be potential automatic payments coming through. Another transaction came out Sunday {$19.00} and Chase charged me {$34.00} overdraft fee which created chain reaction of multiple overdraft. Right now I have 3 overdraft of {$34.00}. And I have other transactions ( Automatic payments that will come through ). Right now I am {$80.00} negative. I called Chase and asked them to reverse their fees putting me negative they said know because we already reverse fee for you this yr. But Chase reverse fees that werent correct. And they called that courtesy reversal. I didnt do anything wrong, you charged me wrongly, that is why you gave it back and now you will not correct another unfair charges because you were nice to me already for giving back what shouldnt have taken in the first place. That doesnt make any sense to me. 
I have income reduction I can afford paying my bills, but I can't afford letting my bank scamming out.
Consumer complaint received 2023-07-12
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Climb Credit Inc. (WY)

This person named XXXX from XXXX called in XXXX and at the time I was out of a job. Now I have a job thankfully and I'm trying to catch up on everything. This person calls me today while i'm at work, threating me telling me he is going to get off the phone with me and contact his client and tell them I won't cooperate and they can go ahead and push penalties on me. I asked him to email me the information about the debt, he said he isn't able to do that. He wanted me to hand over my debit card number and set up a date to collect. I don't feel comfortable about handing my card number out to anyone, especially when I don't have proof they are not a scammer. 
I told him I could not talk, because I was at work and I didn't want to loose my job. He kept telling me that I better call him back or he was going to contact his client. 
I asked him to email me a site or something that shows the debt and how to start paying it off and I would like to see a payment schedule. He said he doesn't have that he just needs to put my card in the system and charge it for what ever day I get paid. 
I didn't even catch the name of the company he is working with. 
He told me I better call him back after I get off work, I asked him for the number to call him back, he said I already gave it to you before. VERY RUDE! I told him I didn't appreciate him threating me. 
I listed the phone number he called me from above.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have an excellent, almost unbelievable payment record. I have made many, many, many payments on time. Some of the payments are for a very large dollar value. I have almost no debt, in fact the only payment I need to make is my house payment. I pay off my XXXX XXXX balance every month to avoid interest. There were 3 late payments several years ago due to 5th 3rd bank forgetting to retain my credit overdraft protection when they came out with a new checking account product which I did not wish to sign up for, but they forced me to change to. Due to this, tiny ( and I do mean tiny ) infraction I have had a bad credit score since then. And I do consider anything less than excellent, a bad credit score. I have tried to remediate this with XXXX, but nothing works. My on-time payments eclipse anything else that could possibly be on my credit report, and I have NEVER failed to pay off a debt or any interest accrued. However, my credit rating hovers around the good mark. Please give an unbiased look into my payment history, and help me get back my excellent credit rating. Thank you. Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO Bank, N.A. (FL)

The lawfirm of XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX. represent XXXX XXXX and XXXX XXXX regarding the purchase of an RV from XXXX XXXX XXXX XXXXXXXX XXXX financed by Bank of the West. The RV was returned to Grand Design on XX/XX/2023, while XXXX XXXX has continued making payments to Bank of the West while we work on his case against XXXX XXXX and Lazy Days. Since XX/XX/2023 we have been calling and emailing Bank of the West Loss Mitigation Department XXXX and customer service at XXXX requesting a short payoff regarding this loan. 

It is impossible to receive a call back or speak with anyone who will assist regarding this loan. Attached please find copies of our third party authorization, emails I have sent and details regarding this loan. 

Today I spoke with XXXX at the customer service number XXXX, she refused to give her id number. Transferred me to the loss mitigation department where only a recording tells you to leave a message. I called customer service again spoke with XXXX ID # XXXX, explained to him that no one returns my calls nor responds to my emails and I asked him to please put me on the phone with a supervisor, he agreed to do so, placed me on hold, and after a while passed the call simply disconnected.
Consumer complaint received 2020-03-09
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: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX  XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX  XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

The new mortgage company Freedom Mortgage which my mortgage was sold to, did not make payments to the homeowners insurance company and then sent me a letter to tell me that my mortgage requires insurance and I need to provide them with one as soon as possible. I tried to reach out to them via phone but nobody is available at all times of the day. Left my number for a call back as well and nobody called me. How am I to resolve this issue which they caused when I can never reach them? I am not sure what else to do to reach somebody and speak to a representative.
Consumer complaint received 2020-03-09
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. (FL)

XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL, XXXX Social Security # XXXX
Consumer complaint received 2020-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I was rushed into a loan of {$1200.00} that has fees and interest adding up to a payback amount of {$6300.00}, Interest is charged daily with payments of {$150.00} weekly taken directly out of MY bank account. I was not able to access the terms because an old email address was used for the loan which was offered in a text as emergency funds to help with the coronavirus pandemic currently occurring. The only way to gain access to the loan terms was to create an online account with this old email. No texts, no emails were sent with loan terms, payment information or that my bank account would be used to directly deduct weekly payments totally {$6300.00}. I did not know any of this until the first week payment was taken out of my bank account. I will not have enough funds to cover the weekly payment in two weeks time. The loan was offered to me as emergency shelter in place funds during the Coronavirus Pandemic that is currently going on. They know I am not allowed to work, I need the money for food and shelter but I am only using the money to pay the interest and fees that has turned a {$1200.00} loan to {$6300.00} loan! This emergency loan has not helped but made a life threatening situation worse with the added stress of having to find the funds to pay back the loan instead of for food, shelter, heat, and basic life expenses. As I starve to death, please enjoy your blood tainted interest payments! I thought I would have months to pay back not weeks, 41 weekly payments of {$150.00}. There is NO way for me to pay this back without working and without being allowed to leave my home but you are welcome to have a pound of my dead rotting flesh. I was not told the terms, I could not access the terms until I called and got a rude operator who was not helpful I had to piece it together myself, I would like this to stop this from happening to other people. If I do contract the virus and die, these are the vultures that have dug my grave and someday you WILL ANSWER TO GOD!
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX account has violated my rights. 
15 U.S.C 1618 section 602 A. States I have the rights to privacy.

15 U.S.C 1618 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

this is more of a general complaint about Credit Card companies in general and specifically in regards to Wells Fargo. I made a one time payment for the amount that was being show as my " Outstanding balance. '' I do not remember the exact amount, however after making the payment I went about my life assuming that the debt was paid in full. I found however that there was apparently {$10.00} left over as the result of a lingering interest charge that the company assessed at the end of the billing cycle. This is a deceptive practice, when I am presented with an option of " Outstanding Balance, '' I am led to believe that this is the amount to discharge my debt and result in a {$0.00} balance. In the event that the companies can not live without that fractional interest payment, they should have to offer a " pay off '' amount similar to car and mortgage payments. This is more transparent to the consumer and less confusing. In my situation, I was about 10 days from having a missed payment on my credit report, luckily I did not treat the communication from my financial institution as spam. I wonder how many people are adversely affected by this practice?
Consumer complaint received 2020-03-09
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX  XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX  XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS  XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (AR)

XXXX  XXXX was paid directly in full on XX/XX/2019 of {$660.00}. Receipt is attached along with Goodwill Letter, and XXXX XXXX Report of deletions back in XX/XX/2019.