davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. ()

Hello when I enquired the link I had given my details and applied for a loan. The company had within minutes approved my loan and moved funds to wallet wherein they are requesting me to withdraw and use. Please want to cancel this loan and delete the app. Please help me cancel the loan and also the scam.
Consumer complaint received 2020-07-22
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: Strategic Alliances, Inc. (MO)

See complaint XXXX, XXXX is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or XXXX is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : 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 2020-07-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (FL)

On XX/XX/2020, I have received a prepaid debit card called the " XXXX  Way2Go Prepaid Debit Card '' from the State of Florida due to applying for Reemployment Assistance funding. I did not like the nature of the prepaid debit card, so in the UI portal, I changed the direct deposit funding source from the prepaid card, to my credit union checking account. However, this merely redirected funding to the checking account. I have tried to close my prepaid debit card through calling the card provider using the phone number provided, but unintentionally incurred three balance inquiry charges between XX/XX/XXXX and XX/XX/XXXX of XXXX. I have tried to close my account through the online portal provided at " https : //www.goprogram.com '' only to not succeed. The phone number provided only provides me only automated service with no access to a customer service human representative. The entity at fault would be XXXX XXXX who is acting as the steward for the Way2Go card funds.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

Balance Increased JPMCB CARD SERVICES account balance increased Between XX/XX/XXXX and XX/XX/XXXX, your JPMCB CARD SERVICES credit card balance increased by {$380.00} from {$170.00} to {$550.00}. 

This information is available on XXXX XXXX. This is NOT my credit card. Someone fraudulently opened it in my name and it is not affecting my credit score. I froze all three of the credit bureaus under my name.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (LA)

On XX/XX/2021 I received the first notice from Convergent Outsourcing, Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX phone # XXXX dated XXXX About a debt in the amount of {$910.00} that I'm not aware of. This company place this item on my credit report on XX/XX/2021 without giving me the 30 days to dispute the validity of this debt.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The credit bureaus such as XXXX XXXX, and Experian are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX  as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (SC)

I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with Citifinancial. Citifinancial put the judgement on the real property then sold the debt to asset acceptance who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XX/X/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. 

XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (UT)

SHELLPOINT is reporting inaccurate information on my credit. I recently checked my credit and noticed I had a few late notations on my file. I applied for forbearance and was accepted. I was advised by a representative of SHELLPOINT that no lates would be reported due to the forbearance status. These lates are inaccurate! I have had multiple accounts with you and have never been late. Also, under the CARES Act you can not report year 2020 lates. I have been a long time customer and am very disappointed about this. I need this removed ASAP!
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (PA)

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. 

Account name : XXXX, Account name : XXXX-XXXXXXXXXXXXXX, 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 2021-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/21 I made an online purchase through American Eagle for three pairs of jeans in the amount of {$150.00}. Then on approximately XX/XX/21 I observed that my credit was pulled from American Eagle and I didn't understand why it was. I contacted American Eagle and they told me that I applied for two credit cards and was denied. I immediately informed them that I did not apply for any credit cards and I made a purchase on XX/XX/21 for three pairs of jeans and that was all. She patched me over to the fraud department and exchanged more information and ended saying that they will send a letter to the credit bureau 's informing them that I was a victim of identity theft. After that extended phone call I also called XXXX  and spoke with them and they informed me that I had to send a letter with all my information and the information that they told me to include also. I am sending off my letter to XXXX on XX/XX/21 and I will be awaiting their response. I am hoping that they will remove the fraudulent inquiries immediately so I won't have to deal with more issues of these fraudulent inquiries.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (SC)

In accordance with the Fair Credit act has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-22
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: WELLS FARGO & COMPANY (GA)

Being in business for 44 years I made an application for Paycheck protection program for {$4100.00} in XX/XX/2020 with Wells Fargo bank with whom I have had 2 XXXX  checking accounts for over 25 years ( the bank used to be called XXXX XXXX then XXXX before it was sold to Wells fargo ). I finished the application, uploaded all the supporting documents on XX/XX/2020 and Docu-signed it. I did not hear from them at all. They did not provide any contact information and asked customers not to try to contact them. I am afraid Wells Fargo might have stolen the fund from me just like years ago on 3 different occasions that I had noticed monies were missing from my 2 XXXX  accounts. Their branch employees and managers who later suddenly disappeared had no explanations on why and how money was taken from my accounts until we found out later about the big Wells Fargo scandal in the news.They never returned the stolen monies to me.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am filing a complaint against Midland Credit Management for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Midland Credit Management regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Midland Credit Management. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Midland Credit Management had the legal right to collect the debt. 

Despite my request, Midland Credit Management failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my XXXX XXXX. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX, which requires debt XXXX to cease collection activities until they validate the debt. 

Furthermore, Midland Credit Management did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Midland Credit Management immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (MN)

On XX/XX/XXXX, a purchase was made that brought my account approximately {$6.00} under my balance. Before the transaction was posted a deposit was made to cover the amount. According to the policy of TCF bank itself, deposits are credited prior to withdrawals or purchases. However, TCF has decided to charge an overdraft fee for the charge, even though the charge has still yet to post as of today XX/XX/XXXX. An attempt was made to clarify and have them correct the issue. However the overdraft policy and how it works changes every time you talk to TCF based on your situation. This is now the second time I have has to file a complaint against TCF with the CFPB due to their unethical overdraft practices.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (AZ)

I got a loan through Flagship credit acceptance for a car. My fault I was late the first payment. They were to send me a payment slip each month to make future payments. They never sent them on time and made my payment late a couple of times. We have since got that straight. They still claim I was late when it was their fault. I have not been late since. I disputed this on my XXXX  credit report. They looked into it and took flagships ' blanket response that they certified all was correct and flagship was blameless. This seems very wrong and lazy on both parties part and I am the one whose credit suffers for it. Why is it so easy to wrong someone yet it is that person 's responsibility and time to seek remedy. This is the only smirch on my record and hurts my FICO to the point I can't buy a house or refinance that miserable 12.9 % loan from flagship. Everybody wants to lazily accept a canned response and throw me under the bus. Help!
Consumer complaint received 2017-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (AZ)

I co-signed an auto loan for my daughter. The loan has been paid on time every month since its origination. Recently I was notified of a late payment or a payment not properly credited.I have sent a schedule of all payments along with cancelled checks for the past three months with no response. My daughter continues to receive collection calls, while I have never been contacted despite my guarante.It is an high interest loan with a beginning balance of XXXX and a current balance of under 6,000.00 No previous delinquency no previous collection efforts
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (MN)

Company attempted to collect debt never received a detailed bill, purchase agreement, dates regarding dispute. Only made aware after credit score took a hit company never made an attempt for me to validate and dispute this account since I have no bill or obligations to sunrise and account name is similar to my self credit card so I was unaware this was an collection from a debt collector.
Consumer complaint received 2022-11-17
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-08
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. (TX)

Attempted to reach out via attorney advocacy, attorney general, XXXX, ftc to no avail. My request are falling on death ears. This company is deliberate in the efforts to keep erroneous and fraudulent information on my credit report related to " apartment rental '' in which I have no knowledge of for the past 2 years. I have had the credit bureaus dispute this and EQUIFAX if the ONLY CREDIT BUREAUS listing these fraudulent debts as VERIFIED. When I asked for documentation to support their findings by way of FCRA 609 I have not recieved anything in the mail to support. I only recieved NO RESPONSE. Please investigate.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MA)

I paid my mortgage on time for years. After my escrow amount was increased last year, I inadvertently failed to pay the new total, instead paying the former amount less the increased escrow for a couple months. Suntrust notified me after several months, and I paid the outstanding balance that the bank told me was due. But a few months later, Suntrust stopped accepting my payments and told me that I still owed a balance, and that I now owe a debt to the bank. It has not sent me a payment history or offered any proof of defaults. I have paid my new balance - principal, interest, escrow - in full since I paid off the outstanding balance, and Suntrust is illegally hurting my credit by trying to collect on a non-existent debt.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

In response to CFPB complaint XXXX XXXX  XXXX XXXX  a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from CITI Bank N. A. which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). XXXX XXXX XXXX has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. The attached correspondence sent with their CFPB response from CITI Bank was a document from the original creditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to XXXX XXXX XXXX. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with CITI BANK N.A. CITI BANK N.A. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XX/XX/XXXXor CITI BANK N.A. XXXX XXXX XXXX was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. XXXX XXXX XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.