davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (NJ)

To whom it may concern, I am writing to formally dispute the debt appearing on my credit report, as reported by this company. Upon reviewing the information, I have identified several inaccuracies that not only violate fair credit reporting practices but also contravene the Fair Credit Reporting Act ( FCRA ). 

Fluctuating Debt Amount : The reported debt amount has been inconsistently changing without proper validation or justification, a clear violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 
Billing Address Inaccuracy : The billing address associated with the debt ( XXXX XXXX XXXX, XXXX, NJ XXXX ) is not accurate, infringing upon the FCRA Section 623 ( a ) ( 1 ) ( A ).

Failure to Provide Licensing Information : The failure to provide licensing information, specifically the NMLS number, is a violation of FCRA Section 605 ( c ) ( 2 ). 
Incomplete Debt Validation : The incomplete debt validation provided violates the FCRA Section 611 ( a ) ( 1 ) ( A ), requiring detailed information about the original creditor, the account number, the amount owed, the legal basis for claiming I owe the current amount, and the age of the debt.

Inaccuracies in Reporting : Various inaccuracies in reporting violate FCRA Section 607 ( a ), which mandates accurate reporting of consumer credit information. 
Furthermore, I must inform you that my legal counsel has advised me to contact you to resolve this matter amicably. However, if this issue is not resolved promptly and the inaccurate information is not deleted from my credit reports, I will have no choice but to proceed with legal action. I have accumulated ample evidence supporting my claims. 

Please do the right thing and delete this inaccurate information from my credit report with all three major credit bureausXXXX XXXXXXXX, and XXXX, as well as any other third-party creditors that may have accessed or reported this information. 

These actions are not only my rights under the FCRA, but they are also protections afforded to me to ensure the accuracy and fairness of information reported about me. Failure to comply will result in further legal action, as my rights include pursuing a civil suit under FCRA Section 616. 

From, XXXX XXXX
Consumer complaint received 2022-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite me always paying my bills on time and having low utilization of my available credit, my score dropped from over XXXX to XXXX. My report indicates the number of inquiries is problematic. Credit inquiries from Capital One and XXXX XXXX, using my name have been made that I did not authorize. An inquiry was also made by XXXX but they removed it once I called. Capital One and XXXX XXXX have a process. 

I have a lock on my credit so a card wasn't issued but the inquiry is negatively impacting my account. 

I am not sure how inquiries can even be reported if the application wasn't fully processed.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IN)

I received a Citi Prepaid Services card, and on the back of the letter that came with the card, it said ( as can be seen on pages XXXX and XXXX of the attached document under the section EXPIRATION DATE ; AVAILABLE FUNDS DO NOT EXPIRE ) " if you do not use the full amount on your CITI PREPAID SERVICES CARD by the expiration date, we may issue you a new CITI PREPAID SERVICES Card automatically, or you can call customer service to request a new CITI PREPAID SERVICES Card ( the " Replacement Card '' ) ''. However, when I called customer services to receive a new card after the old one expired while there was still money on it, they said they could not and have never been able to issue me a new card. They asked me to fax the document over, which I did, and now they are giving me the runaround and acting like they never received the fax. Thus, not only have they intentionally given me false information on the letter, but the customer service was some of the most unhelpful and rude that I have ever encountered.
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (GA)

Hello I was Contacted From These Two Companies Resurgent Capital Services & LVNV Funding LLC. Can't Seem To Figure Out Why This Company Is Trying To Reach Out To Me On A Alleged Debt When They Are NOT Legally Licensed & Bonded To Collect Any Debt From Me In The State Of Georgia. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. 

Under 15 U.S. Code 1692d-Harassment And Abuse I Have Been Harassed And Now I Have Trauma Because This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you RESURGENT CAPITAL SERVICES & LVNV FUNDING LLC that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information. ACCOUNT NUMBER ENDING XXXX RESURGENT ID : XXXX
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CADENCE BANK (TX)

A check I mailed to a client was stolen and fraudulently cashed. The check was written on XX/XX/2023 and cashed on XX/XX/2023. Check number XXXX for XXXX Made out to XXXX XXXX I filed a claim with XXXX XXXX and after working though the contradicting instructions from their representatives the claim was submitted in XXXX. Check number XXXX for XXXX was written and cashed on the same dates to the same recipient. Several months ago I received the money back for check XXXXXXXX. XXXX XXXX keeps telling me that Cadence bank 's investigation is pending but refuses to share with me the details that Cadence bank sent in their update because " customers cant speak to that department ''. I received a call from the check casher 's ( XXXX XXXX XXXX XXXX ) Collection department ( XXXX ) Who was calling to collect the funds on the check ( meaning that they never received the funds from Cadence Bank ) The collection department also informed me that the check was cashed by a " XXXX XXXX ''. It is pretty easy to see that Cadence bank still has the funds, XXXX XXXX has been completely incompetent from start to finish and XXXX XXXX XXXX XXXX cashed a check fraudulently signed for by XXXX XXXX that was addressed to XXXX XXXX. I haven't been able to get any update the last 6 months other than " Cadence Bank 's investigation is still pending and we can't share the details in the note they send us because that department doesn't talk to customers '' Even tho I was paid months ago for check XXXX
Consumer complaint received 2024-03-03
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: Sunbit, Inc. (OH)

I was told I needed to pull my credit report from all XXXX bureaus because I pay a credit defense company. I noticed a lot of discrepancies on my credit file. Wrong addresses closed debt I paid in full also ex-husbands debt included in a bankruptcy. These reports I never authorized. I am not aware of all these inquiries that were made without my consent. These items are old debts. Also reporting incorrect balance XXXX XXXX after agreement of monthly balance repayment. XXXX XXXX, XXXX XXXX, XXXX XXXX auto is always currrent in my payments. XXXX, XXXX XXXX, XXXX XXXX and so on are companies I have never used or inquired about.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (GA)

i recently obtained a copy of my XXXX and XXXX credit reports and saw that enhanced recovery had listed an negative account on both my XXXX and XXXX credit reports without sending a dunning letter. after I filed a complaint with the XXXX on XXXX XXXX, 2015 they sent a letter with a copy of bill which does not include whether they purchased the debt I specifically asked for all documents showing that they are allowed to attempt to collect and the original contract of the debt they are trying to collect to see if I actually owe this debt. They have been reporting this on my credit report since XXXX. I requested for them to remove all negative information as I do not believe I owe this debt ad they did not provide the information that I requested and they stated that they would send the credit reporting agency status as I am disputing this debt.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Mercari, Inc. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Mercari in connection with the unjust limitation and pending closure of my account. I recently encountered an issue with a sale, specifically item ID : XXXX. 

On XX/XX/year>, the buyer received the item in question, following which they opened a return request, falsely claiming non-receipt. In response, I promptly provided Mercari with comprehensive evidence, including photographs showcasing the securely packed item, the XXXX drop-off receipt, and proof of delivery, which indicated the recorded weight of the package as XXXX lbs. This compelling evidence unequivocally disproves the buyers claim of receiving an empty box. 

Despite successfully completing the transaction, I was shocked to receive an email from Mercari moments ago, notifying me that my account has been limited and is pending closure. I firmly believe this notice was issued in error, as I have consistently adhered to Mercaris Terms and Conditions, ensuring compliance and transparency throughout my use of the platform.
Consumer complaint received 2024-03-02
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: SANTANDER HOLDINGS USA, INC. (IL)

I have a number of credit inquiries on my credit reports XXXX & XXXX on XXXX, a few are from the same company on the same day. I didnt not gave permission for this to happen. When I called companies I was told my address doesnt match.
Consumer complaint received 2017-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (DE)

I received an education award from XXXX onXX/XX/XXXX. That was then sent to XXXX XXXX XXXX on XX/XX/XXXX for {$2300.00} and XXXX/XXXX/XXXX for the amount of {$2300.00}. Contacted XXXX XXXX and they have no record of the payment sent to them.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Recovery Services, Inc. (PA)

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank held one cashier check for 10 days and this cashier check is on my business name, I called them several times and spoke to the branch vice president, spoke few times on the phone with there funding department but they would not release my funds, since they are holding my funds I am paying a hefty price, I am losing money since they are not releasing my funds, I told my client to pay me the cashier check so the funds will be clear sooner, This cashier check was from XXXX XXXX, Chase Bank withdrew from XXXX XXXX the funds the very next day but kept on hold for 10 days and no satisfactory answer
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer under an open end consumer credit as late for any purpose.
Consumer complaint received 2024-03-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Ive received a complaint marked as duplicate response regarding XXXX. 
Ive recently sent a debt validation letter which has been inadvertently denied any valid response. 
Under the Uniform Commercial Code 3-204, the name and the signature of both the beneficiaries and the original creditor must be disclosed in the same document. 3-204 ( d ). The signature of the borrower must be included as well as into the assignment or the transfer ; unless a clause in the deed of the XXXX/mortgage waives it.

Ive attached a Notice to Dispute for acknowledgment. 

Pennymac has failed to honor my request for internal audit. XXXX XXXXXXXX request. 
I am asserting PennyMac Mortgage Investment XXXX  to Release property from Escrow. Furnish XXXX. 

I am now demanding Revocation of Security Interests and Settlement in Closing in exchange for My security interests and proceeds.

I understand I have been late for the past few months in payments. Ive made two good faith payments through the hardship, and continue to request your assistance in completing remedy for relief.

Yet Ive learned after 60 days, my servicer becomes a debt collector and is governed under the Fair Debt Collections Practices Act. Pennymac is no longer the original creditor, they are continuing to buy and sell non performing non secured debt, Violation FDCPA U.S.C. Title 15 Section 1692.

At this stage Im seeking arbitration and monetary relief for all violations under TILA/RESPA, CFR, US Codes , FDCPA, FCRA. Please provide me with the total amount from the itemization of the loan disbursements, the loan charges, the current principal balance, and all payments received from me, so that you may compensate the exact amount needed for tender.

Transfer Agent Duties : The transfer agent for a corporation is responsible for : ensuring that its securities are issued in the correct owner 's name; canceling old and issuing new certificates; maintaining records of ownership ; and handling problems relating to lost, stolen, or destroyed certificates.

PennyMac, XXXX XXXX, has failed to do so. 
Instead, theyre selling my financial asset unlawfully. 

I want us to work together the right way, towards stopping the deceitful practices. Ive asked kindly to show me who is the Holder in Due Course, and we continue to hit a rough patch, as Penny Mac is the servicer.

May you make it clear whether my loan has been securitized and if so whats the name of the XXXX my loan Is bundled with for verification purposes, aiming towards Penny Mac to stop selling my asset on the secondary market.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

i XXXX XXXX XXXX Who resides at XXXX XXXX XXXX XXXX Ny XXXX and no other additional addresses, I am asserting my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. Per the FCRA, I am now opting out of any and all authorization the consumer may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 U.S. Code 6802. 
According to the FCRA, consumer reporting agencies like XXXX and XXXX are obligated to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in 15 USC 1681 section 602a. As the consumer, I have the right to ensure that my private information isn't shared, supported by 15 USC 6801. 
Furthermore, as a financial institution, the furnisher of information to credit agencies falls under the definition provided by 15 USC 1681 section 604a ( 2 ), and they do not have my consent to furnish this information, as I have not provided written consent. 
Additionally, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise their nondisclosure option, which the furnisher of information to credit agencies failed to do.

Moreover, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a consumer report without authorization, yet they continue to report adverse items without my permission, violating the law. 
It is also worth noting that under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are required to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specific purposes, which they are failing to do. 
Lastly, as per 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time. Therefore, I am officially opting out of your reporting services.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

I have an American Express card. I have had it since 2017. Its in good standing. Always paid my bills on time. I recently paid XXXX of my mortgage payments late and it immediately affected my credit. I went from XXXX to XXXX. I do not have any other issue on my credit whatsoever. American Express responded by reducing my limit to within XXXX dollars of what I already owed. So in other words, my limit went from {$20000.00} to about XXXX. I owed just under {$4000.00} at the time. Even though I do not use the card, it did not take much time for me to reach that limit with interest on purchases that they charge every month. This has now put me at above my limit and further affected my credit. Once again, I have never defaulted on my payments. Unfortunately I can not afford to pay it off at this time. None of the other credit companies I have did this. I currently have XXXX XXXX XXXX XXXX  and XXXX. All in good standing and none of who responded as American Express did. They seem out to destroy me. I do not mind giving my social security number so my above statement can be verified
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was going over my CREDIT REPORT I found addresses that I never lived at. please delete the following addressesXXXX XXXX XXXX XXXX OH,XXXX-XXXX  XXXX  XXXX XXXX  OH,XXXX  XXXX XXXX  OH,XXXX  XXXX  XXXX XXXX  OH,XXXX.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

We bought our house in 2005 in benefit of our family. We have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all the responsibilities. I was sick and XXXX. CITIMORTGAGE owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP Trial Program. CITIMORTGAGE told me to continue making my payments without skipping any payments. I continued making my payments every month for about 14 month, but they continued asking for the same documents over and over. Every month I asked them when will I get my final approval and the answer was that We were approved they werejust waiting for another department to finalized the paperwork and they will send my final approval by mail. Aftermore than a year CITIMORTGAGE Transferred of sold my loan to XXXX XXXX without asking me or telling anything about my pending Loan Modification that we were approved. It was until maybe 2 months later when I received a letter from XXXX XXXX saying that they were my new lender. This is a breach of contract. XXXX XXXX said the could not process my payments and I have to start all over again!!!!. XXXX XXXX said that they could not honor my payments because they did not have my file. CITIMORTGAGE intentionally sold the loan to XXXX Bank XXXX now XXXX XXXX did n't want to process the loan modification. and they want to foreclose on my property. this is a totally abuse from BOTH BANKS ITS NOT ACCEPTABLE.