davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (CA)

I am writing to file a complaint against TrueAccord, a debt collector, for violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Communications Privacy Act ( ECPA ). I was initially concerned because, on XXXX XXXX, 2023 at XXXX AM PST. I received an unsolicited email from TrueAccord regarding a debt that I allegedly owe to XXXX XXXX. Upon further review of the contents of the email, I realized that TrueAccord also violated several provisions of the FDCPA. 

Specifically, the email contained the following violations : Unlawful contact by email : The Electronic Communications Privacy Act ( ECPA ) prohibits debt collectors from contacting consumers by email without their prior express consent. I did not provide TrueAccord with my consent to contact me in this manner. 
Threatening to assume the debt is correct if the consumer does not dispute it : The statement " If you do not, we will assume that our information is correct '' could be seen as a threat to assume the validity of the debt without giving the consumer an opportunity to dispute it. This is a violation of my rights under the FDCPA.

Failure to provide validation notice : The FDCPA requires that debt collectors provide consumers with written notice of their rights to dispute a debt within 5 days of the first communication. The email did not contain this information, and I was not informed of my right to dispute the debt in writing.

Threatening to take action that is not legally allowed : The statement " We will use any information you give us to help collect the debt '' could be seen as a threat to take action that is not legally allowed, such as contacting the consumer 's employer or family members. 
Using unclear language : The statement " Call or write to us by XX/XX/2023, to dispute all or part of this debt '' is unclear and could be misinterpreted by the consumer. 

Use of obscene, profane, or other abusive language : The email contained language that was abusive, threatening, or otherwise harassing in nature, which is a violation of the FDCPA
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (CA)

My credit reports for Experian, XXXX, and XXXX all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NY)

I was contacted by Citibank on XX/XX/22, however, at the time I did not know it was not Citibank. Everything was conducted in the exact way Citi would do things. I was sent a text, as Citi does, that stated they thought there might be a fraudulent charge on my account. They wanted to know if I made a purchase to Office Depot for {$210.00}. I texted back no and someone, who I thought was from the Fraud Department called me. Every question they asked, Citi would ask. When they asked if they could send a text with a code to verify it was me, I said yes, as that was something Citi does all the time to verify someones identity. In the process of all of this, they told me that they were going to credit my account back the money from the fraudulent charge. I thought okay. Then this person, made a mistake and transferred too much money. They told me that I needed to transfer everything back, minus the fraudulent charge. When I logged into my account, I could see a credit for {$15000.00}. They told me that they accidentally transferred the money that way and when I gave it back to them, it would go away. I trusted that this was Citibank and went ahead and did what they asked me to wire the money back to them minus the {$210.00}. However, I found out that later that I did not wire the money back to Citibank, I wired it to these people who took out a loan for {$15000.00} in my name and impersonated Citibank to get the money. When the credit did not go away, I went into Citibank to find out why. That was when we found out that someone took out a loan in my name and got me to transfer the funds to them.
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (NY)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed 26 charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (MI)

PayPal has made an error during transaction that was refunded, and when a payment to me was refunded, it was taken out of my balance twice. The funds from the payment were always on hold and never released to me. I tried to refund the buyer and it removed those funds from the pending balance and still tried to withdraw the money from my linked bank account. Then the funds were refunded by PayPal and my balance was reduced by the refund amount. Now my balance is negative {$600.00}. The refund was {$600.00}. I was never given those funds so it is not possible to go negative when refunding them.
Consumer complaint received 2020-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2020 - Encountered numerous fraudulent international transactions emptying my account balance of {$10000.00} including {$190.00} of international transaction fees incurred in this activity. 
XX/XX/2020 - XX/XX/2020 - Several calls to file claims to resolve fraudulent transactions and was told the investigation would be completed by XX/XX/2020. 
XX/XX/2020 - Credit to balance applied to current balance {$9900.00} ( fees have not been reversed ) XX/XX/2020 - Have not received any correspondence about completion status of investigation. 
XX/XX/2020 - Called to inquire status of investigation, advised it was still open. I indicated fees {$190.00} were still outstanding and had yet to be reversed and was told the bank has to do that. 
XX/XX/2020 - {$190.00} fees have yet to be reversed and I have not yet received notice of completion of investigation.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/20 I contacted Capital One to inquire why my credit application was denied. I was informed by the representative at XXXX that I needed to remove the fraud alert from my credit to be approved. I explained that I am to be called and my identity is to be verified ; I also offered to verify my identity at that time. She again asserted that I need to remove the fraud alert.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (TN)

The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( Experian, XXXX, and Experian ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The Credit Bureaus are reporting a my accounts as charge offs when they are not. By there definition a charge off is when an account is 6 months late/ delinquent. But I never had a late payment. I never defaulted on my payment. The credit bureaus refuse to fix this issue.
Consumer complaint received 2020-06-19
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: EQUIFAX, INC. (TN)

The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( XXXX, Equifax, and XXXX  ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( XXXX, XXXX, and XXXX  ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.
Consumer complaint received 2022-11-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I can not speak to anyone in the risk department to clear my account of the suspected fraud hold to get a replacement card. I have been trying for 3 weeks wakong up at 5 every morning. No progress. I'm having to take out payday loans and apply for food stamps. I'm hungry. My phones getting shut off. I need help
Consumer complaint received 2022-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CO)

Debt reported on XX/XX/22 by XXXX & XXXX XXXX  in the amount of {$1500.00}. This debt has no association to me by phone number or social security number on account, Have tried to find out directly at a local XXXX XXXX XXXX  store as well as multiple phone conversations with XXXX XXXX XXXX. Neither could provide any information connecting my ss # to this debt. Was advised by their customer service to dispute the debt.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo closed all 6 of my bank accounts I had with them without any regards or notice. They claim that one of my clients disputed a charge of {$39000.00} and because of that they took all of my extra funds that had nothing to do with the payment. I mean they took my savings, and all other funds I have worked hard for and now we are on the verge of losing our home over this. Icalled and they claim there's nothing I can do and there's nothing they WILL do in order to help me. I am at wits end with Wells Fargo.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

Venmo account credited for XXXX $ Sunday XXXX XX/XX/2022 from a friend who raised money for my family after my husband passed away. 

Tuesday XX/XX/2022 money is gone no credit or transaction showing. 

Venmo has no idea what I am talking about does not see the transaction. Requests the user ID of the person who transferred which is unknown to me. 

Talked to friend who said he requested it back. No idea how this was done ( possible goods/services button used ) and Venmo no help but should not be allowed.
Consumer complaint received 2020-08-10
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. (GA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} 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 {$2600.00}
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I opened a new checking account with Citi Bank and did a mobile check deposit. Well seeing how I just opened the account I don't have a card yet but it says I have XXXX so I tried to XXXX my money to my bf so I could use my money to pay a bill and it wouldn't let me XXXX..so I tried to talk to to someone on the app about my account and they didn't have any info for me. So I then called and talked to someone who wasn't able to help me either..they blocked my account and aren't helping me unlock it. So I have XXXX  in the account that I'm unable to touch and can't get any help to get access to money. They don't have any branches in Texas so I can't go in and talk to them. Please help me out here. Thank you
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I noticed a hard inquiry on my credit report caused by a mortgage. My credit was pulled by Capital One on XX/XX/2020. I can assure you that this is an error or possibly fraud. I would like to have this resolved as soon as possible and have this inquiry removed from my report.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc. (OR)

I requested information on what's required to remove my PMI. I received multiple contradictory responses and I consulted with a mortgage broker who said that they are not providing accurate information based on XXXX XXXX . See attached PDF of my emails with Valon XXXX
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Global Lending Services LLC (FL)

On XX/XX/XXXX I entered a contractual agreement with XXXX XXXX and XXXX XXXX Ga unbeknownst to me my credit was extended to Global Lending Service LLC. Payments were made in a timely manner for XXXX plus consecutive months until XXXX. It was then the loan ( security ) became delinquent, even though the world was in a crisis GLS Financial Services still felt the need to issue a repossession on my vehicle. I then reached out to the CEO at that time XXXX XXXX XXXX via XXXX. He read all messages but failed to respond. at this time i Made XXXX XXXX aware of the violation of my rights due to the fact i am a XXXX XXXX XXXX. I then regained possession on my vehicle and filed all necessary documents to show i am a XXXX XXXX. Again, that was overlooked by this corrupt Cooperation and my vehicle was repossessed again in XXXX, With me addressing the issue and involving the state attorney general and other state officials XXXX XXXX decided to respond ( emails are attached ). as you can see by my credit report this account is closed every year during the Physical year turn-around. This company has not only violated my rights under the constitution, but also the Uniform Commercial Code. My vehicle has be repossessed XXXX times and the extension of my credit has be dishonored because of this Company. The Financed amount was {$19000.00} as of today XXXX XX/XX/XXXX the loan amount is {$24.00}, XXXX. XXXX has involved third party companies to go onto Private Property and take My Private Property which is my vehicle which has Private D.O.T Private Property, Private Traveler license plates which is held in a Private Trust. D.O.T number XXXX. This is the Third time my property has been taken unlawfully and attempted to be sold at XXXX XXXX XXXX. I have advised these third-party companies of the violations that have been committed, this has caused a tremendous amount of stress, Pain, and suffering for me and my family. A full Investigation will be done to audit this account and all other GLS auto receivables trust accounts, GLS Auto Receivables LLC, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please see the attached NOS that was emailed on XXXX XX/XX/XXXX, but the XXXX is dated for the year XXXX. It has come to my attention that you have been giving full disclosure in this matter since inception of the contract. According to the list of laws you have violated and broken 15 usc 1605 ; 15 usc 1666d ; 15 usc 1692d ; 15 usc 1692f ; 15 usc 1692e ; when you involved third party companies to steal my trust property. It has also been brought to my attention that GLS did not/ have not received injury or suffered any loss. In fact, you have been reimbursed for my property numerous times after acquiring it from you, when you continued charging off the loan and reinstating the so-called contract all the while youve received a promissory note and I know no loss was acquired by GLS on the account that it was never reported to the XXXX XXXX XXXX XXXX XXXX