davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MN)

On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a Midwest Recovery Systems put a dergatory report of {$880.00} for XXXX XXXX loan. Never heard of XXXX XXXX. The date opened was unknown and just showed up without any notification received from the debt collector. When I called Midwest Recovery Systems on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that XXXX XXXX   had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX  security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I am currently being denied for the 8th time of my legal right to access the information within my personal credit profile, as mandated by the FAIR CREDIT REPORTING ACT. I demand the immediate release of my personal credit report. Enclosed herewith are official documents, such as copies of my driver 's license, date of birth, and social security number, which fulfill your requirements for verifying my identity.
Consumer complaint received 2024-02-28
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: CCF Intermediate Holdings LLC (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX SS : last 4 - XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please update the following accounts as paid, never late.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (PA)

Good morning my name is XXXX XXXX I am having problems with this credit card company called Fortiva.I had this credit card almost 2 years in XXXX  I had fallen on hard times I maxed the card out in XXXX of XXXX  It wasn't no problem when the card was maxed out and I struggled a little to make payments so they charged late fees over the limit fees so when I got back on my feet I paid the credit card down to XXXXThis when the problems started I spent a little credit then paid it right back I didn't want to keep a high balance.I been trying to make a payment they won't let me I sent them my ID, Lease, pay stubs, W2, selif, water bill, cell phone bill, everything matched.I order a new card and updated my cell phone number once I paid the balance down to XXXX they say I committed fraud.I am trying to figure out how I can't get this company to be transparent about anything every time I call they have me hold for 30 -40 mins I asked them what proof do they have they can't tell me anything beside say it's fraudulent because I updated my cell number I did change my address I didnt report my card lost or stolen I didn't report any fraudulent active I did ask my card to be locked or my account.I have XXXX children XXXX old XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX years old I work full time job.This company want me to send information in which I did, I don't have my # SS card nor do I have the time to go stand in line for hours just trying to get a copy of my SS card.I can see if I wasn't making any payments always late always maxed the card out then penalties me but why penalties me when I made payments on time and paid my balance down where is the reward for doing that instead they want to bring my credit score down, they thought I was a easy target because I had not so good credit.This credit card company came looking for me sent me offer to my place of residence I didn't come looking for themthey didn't ask for any ( # SS, pictures ID, any water bills they didn't ask for anything they just wanted me to sign up for the card when I did the was qick to activate the card now they see I was a easy target someone they couldn't take advantage of and I make my payments on time now its a problem they won't let me make payments even though I have the money in my account.Im asking the company to let me make my payments and stop trying to hold me back.I wouldn't recommend ( Fortiva ) credit card for anyone they out here trying to take advantage of people with not so good credit but when u trying to improve your score they want to be your nightmare.
Consumer complaint received 2020-06-30
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)

I requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

Syncrony Bank issued a Sam 's Club Mastercard to me. I willingly signed up for autopay. Then paid them {$7000.00} from my checking account. They did not process the transaction until the after the due date while taking another {$6500.00} from my account. They refuse to revers the ACH transaction and insist I must wait weeks for a hard copy check, that my get lost in the mail. Meanwhile I am overdrawn and paying interest on the money they stole from me
Consumer complaint received 2024-02-28
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: Mr. Cooper Group Inc. (NM)

I found many inquiries from mr cooper and XXXX  XXXX XXXX in my record, the companies did not provide authorization to pull my credit or any product offered associated with their unauthorized credit pull that they sent me in writing. How did they get my information, my social security number, my address etc?
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
Consumer complaint received 2016-06-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

It has been brought to my attention that my Banking institution, FifthThird Bank, allows my card information to be given out to entities that subscribe to this bank card information. This has been done without my knowledge. Also, I have asked the local bank manager some time ago to help me with some unaccounted for monies associated with my account. The manager informed me that there is a XXXX dollar an hour fee to assist me in this endeavor. I called the main customer service number about this fee. They informed me that there is no fee for this service. I was then instructed to go to another branch where I would not incur this fee. So the question remains. Where is the consistency?
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P. (CA)

LVNV has been reporting several accounts as being closed on my credit report. I reached out to this company last year requesting validation of said debt and no response was given. This company is reporting closed accounts on my credit report and I have not had any agreement with this company. They have four separate negative remarks across my credit report and is trying to intimidate me into paying them when they have already wrote the debt off and has had their company credited. So not only have they already received said funds they are now attempting to double dip by pressuring me into payment. The negative remarks on my credit report have hindered me from any new credit opportunities and I would like to be compensated for that. I also would like to share that the company failed to send an opt out notice therefore not allowing me my right to choose. Per FCRA as a Federally Protected Person I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and or non verbal. Per 15USC 6802 ( B ).
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, 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. (MI)

I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my girls Inquiries : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Equifax Mortgage XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2024-02-28
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: Bread Financial Holdings, Inc. (TX)

I notice unauthorized inquiries on my credit report that I would like all to be removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NC)

I use XXXX XXXX XXXX for all of my banking. I have had the account for years and there's usually a pretty large amount of money in the account. When I moved from XXXX to XXXX XXXX, I sold a piece of furniture to my friend for {$4000.00} which they were supposed to pay me for through Zelle. They were going to send me {$500.00} every day until it was paid off. Zelle flagged my account for fraud and would only let one of the payments through. To make things worse, I was unable to receive money from my Fiancee, who lives with me, because Zelle blocked those transactions as well. So now we can't make rent, because there's no way to get the money into one account due of XXXX XXXX not having a branch within XXXX miles of my location. So I now have my friends bank pointing the finger at my bank, my fiancee 's bank pointing the finger at my bank, my bank pointing the finger at Zelle and Zelle remains completely uncontactable. I've been told there's nothing I can do. I've been told by Zelle I need to contact my bank because they do not handle customer issues if I sign up through a bank. How can you have a company that facilitates such an important function suddenly decided, without warning or notice, that you are committing fraud. NOT ONE PERSON INVOLVED submitted anything regarding fraud. 

So here I am, left with some kind of fraud flag by a company that is completely uncontactable. NO ONE will take responsibility. I am being punished because a friend that owned me money, attempted to use a service to send it. I have never committed fraud in my life. I have used Zelle 's services for years without a problem. No one reached out to me to let m know there was a problem, just emails saying " the funds can not be deposited. '' This is completely irresponsible. For there not to be any point of contact when something like this goes wrong is morally reprehensible. This company is all fine and great when they are making money off your transactions, but they second they think you've stepped out of line... they have the power to ruin your life?
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

I received a check from Rushmore Loan Management Services LLC, and forgot to deposit the check. They sold my mortgage off to a new company. I have been trying to get them to issue me a new check and they are stating that they do not have any information of me ever being with them. Tried calling over the phone and they are not letting me through, chat with someone and they are saying they have no info on me and sent an email with the picture of the check an account number for the loan and still being told that I was never a customer.
Consumer complaint received 2015-09-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

I am in the process of foreclosure with Citi Mortgage. They offered me {$5000.00} cash for keys with a sale date of XXXX XXXX, with the agreement that they would review in good faith my loan modification application. I made Citi a settlement offer on XXXX XXXX but to this date have not received a reply On XXXX XXXX Citi had the locks to my house glued shut. I have made multiple phone calls and sent several emails to both Citi and the attorney for Citi, XXXX XXXX XXXX XXXX XXXX XXXX, FL looking for answers on why my locks were glued shut. Citi does n't even have me on their system anymore. When I call, they are unable to access my loan with my loan number or SSN. It is like I do n't exist. The only reply I received was from an associate at XXXX XXXX XXXX saying that my doors had probably been glued shut by the first mortgage company. I have NO first mortgage company. Citi is the only bank with a mortgage on my property. I believe they are doing this to prevent me from going into my house and fulfill my agreement with them, which would relieve them from paying the {$5000.00} cash for keys. Perhaps this is a strategy to harass me into walking away from my house.
Consumer complaint received 2015-05-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (CA)

I was inquiring for educational purposes at XXXX XXXX in XXXX California. I was enrolled and attended the XXXX program there. I was unable to cover tuition, and took out a student loan which did not cover my full tuition. XXXX, gave me XXXX only other option, to take out a Personal Loan with Genesis Lending. I paid on it for quite some time and stopped recently because I did not finish the program and my husband XXXX. since then my payment has XXXX and my credit is ruined! While I was attending school I wa threatened repeatedly that I would be dropped or removed from school if attendance was not met or payments not made and that I would STILL be responsible for the debt. It was the worst decision I ever made!! attending that college, for a trade that pays NOTHING!! I have since been promoted in the XXXX and am an XXXX at a very successful XXXX.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NY)

Dear jp morgan XX/XX/XXXX  Per the FCRA as a federally protected consumer and for The code for " Paid as Agreed '' on the CFPB ( Consumer Financial Protection Bureau ) is AP. 
This code is used to indicate that the consumer has made all payments as agreed upon in the loan or credit agreement, and there are no payment issues or disputes.
Consumer complaint received 2016-01-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NH)

In XXXX XXXX, I spoke to Macy 's Customer Service about a {$25.00} fee on my account. They agreed to remove the fee and I paid my remaining account balance off in-full. However, Macy 's never removed the {$25.00} fee and each month additional fees were added to my account without my knowledge. ( Since I did n't make anymore purchases, and knew I paid my account off in-full, I considered the in-coming statements junk mail. ) Then, at the end of XXXX, I started getting calls from Macy 's collection department. I explained the situation several times, but continued to receive XXXX to XXXX calls a day to collect the alleged {$96.00} past due balance. In XXXX, I brought all my statements into my local Macy 's department store, but found out they no longer have Customer Service representatives in the store -- they referred me to their CS telephone and I again waited XXXX minutes to speak to someone and got nowhere. 

After complaining to the XXXX XXXX in the store 's employment office, she call Macy 's Special Collection Department and got them to remove all fees -- bringing my account to a zero balance. She asked if I could get confirmation of the adjustment, but was told, " No, it would be seen on my account. '' Now, it is XXXX XXXX, XXXX, and I already received a phone call from Macy 's Collection at XXXX this morning. Half the time when I answer the phone no one is on the other end to talk to me. Other times, I get a person and have to argue with them for several minutes in order to get them to read the notes on my account -- after which they come back on the line, confirm I have a XXXX balance, and apologize the phone call -- but the CALLS KEEP COMING!!! 

At this point, I feel I am being harassed in my own home for a debt I do not owe! I have asked them to stop calling ; and, I have written to Macy 's on-line Customer Service several times to complain, but they continue to send back the same response in which they refer me back to the collections department. I have even asked that my account be closed -- but I get nowhere! 

This situation is driving my whole family crazy! I really feel like the only way to get Macy 's Collection Department to stop calling is to pay the {$96.00}, but I refuse to do that because the entire balance represents fees on top of fee that I was told would be removed from my account -- not merchandise! 

Please help me!
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I disputes against fraud unauthorized transactions I sent there dispute department police report copies of a breach I was in the paperwork showing them what information was exposed which was accounts number password etc they they would credit me the money you and then take it right back from me like I've done that makes me feel like saying I'm guilty XX/XX/year> XXXX XXXX {$35.00} XX/XX/year> XXXX {$35.00} XX/XX/year> XXXX {$190.00} XX/XX/year> Non chase withdrawal {$120.00} XX/XX/year> XXXX {$140.00} XX/XX/year> {$390.00}
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

My email attached to PayPal is compromised. My account with PayPal has funds and is limited so I can not make any movement in that account. However, as I stated I have funds in that account and wanted to trasnfer them to another account with a email I can access. 

Because its limited they wont allow me chnage email or have alternative options to how I will receive updates regarding my funds in account. 

Submitted personal documents and had been verified. They will not allow it. 

They keep saying its because I could possibly be at high risk and the time Frame is exceedingly long when there will Be no disputes or chargebacks with my financial institution. Why? Because I used PayPal for the crypto. Buy/sell I made all activity into PayPal and out from PayPal on this account. 

I requested a early release due to my email being compromised and information stuck that I can not access anymore and had got turned down again! Its been over 90 days.