davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  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 state a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crime 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 2024-03-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MS)

LVNV Funding LLC Amount : {$620.00} OpenedXXXX ( LVNV FUNDING LLC ) is attempting to collect a debt from I and threaten to sue.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

In XXXX of 2023 I submitted a credit card payment to my Citi Costco Credit card. Citi stated that the payments bounced as their were insufficient funds in the account. I reviewed the transactions with my personal bank. My personal bank determined not only did a payment clear, but that Citi Bank returned the payment AFTER they incorrectly closed my account. The printouts of my checking account statements with highlighted information was obtained and documented. 

I called Citibanks Credit Card customer service line multiple times. I was able to get a few notes onto my account and a review of my complaint. I was denied twice. I eventually was transferred to a supervisor. They advised me to mail in supporting documents to Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. Documents were mailed out twice, once in XXXX and XXXX as I didn't received a response. It is now XXXX and I've yet to have a final review of my dispute. 

This negligent action by Citibank has affected my credit as it ruined my overall credit, credit history, and good account history subsequently lowering my score.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MN)

I paid the LVNV Funding LLC debt collection account of {$340.00}. The account was paid in full. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

My wallet was lost XXXX, I filed. police report and notify the credit bureau .There were account added to my credit report that is fraudulent. I immediately notify the credit bureau about this account to get this investigation. These accounts has been investigated multiple times. I am very upset XXXX XXXX I never had a account with this company.
Consumer complaint received 2024-03-08
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: Resurgent Capital Services L.P. (MD)

Subject : Cease and Desist Notice Regarding Unauthorized Credit Reporting Violation of FCRA and Maryland Identity Theft Laws Dear LVNV FUNDING, I am writing to address a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Maryland identity theft fraud laws. Specifically, these violations are outlined under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) of the FCRA, as well as relevant Maryland statutes regarding identity theft. 

It has come to my attention that LVNV FUNDING has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under federal law, as stipulated in the FCRA, consumer consent is a fundamental requirement for any reporting activity, as detailed in Section 1681b ( a ) ( 2 ). 

Furthermore, Maryland identity theft laws underscore the severity of unauthorized access and misuse of personal information, emphasizing the importance of obtaining explicit consent before reporting any consumer credit information. 

I want to make it unequivocally clear that I have not provided consent for LVNV FUNDING to report any information to my credit report. This blatant disregard for my rights constitutes a serious violation of federal and state laws, potentially damaging my creditworthiness and exposing me to financial harm. 

I demand that LVNV FUNDING immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Maryland identity theft laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not optional ; it is a legal obligation under both federal and state regulations, designed to protect consumers from unauthorized and damaging credit reporting practices. 

I expect prompt attention to this matter and require LVNV FUNDING to rectify these violations immediately, in accordance with federal and state laws.
Consumer complaint received 2024-03-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I am writing with deep concern and frustration regarding a persistent issue that has yet to be resolved by Chase Bank, despite my repeated efforts and communications. This letter serves as a comprehensive demand for immediate action on an account opened fraudulently in my name, constituting a clear case of identity theft. 

Critical Concerns : Identity Theft : An account ending in XXXX, associated with an XXXX XXXX XXXX XXXX was opened without my consent or knowledge, exploiting my personal information. This unauthorized use of my identity is a severe breach of my privacy and financial security. I unequivocally state that I did not authorize or consent to the opening of this account, and I have been a victim of identity theft. I understand that your records indicate the receipt of a copy of my social security card in XX/XX/XXXX. However, this does not constitute evidence of my awareness or consent. Identity theft is a sophisticated crime, and perpetrators often use stolen documents to impersonate their victims. As a previous victim of identity theft, I have experienced the misuse of my personal information before, which I believe is the case here. 
I previously submitted an Identity Theft Report. This form details the nature of the identity theft and should serve as substantial proof of my claim. 

It is my understanding that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough investigation of my claims. I respectfully request a comprehensive review of this case, considering the provided affidavit and any additional documentation I will submit. 

Account Never Appeared on Credit Reports : The fraudulent account has never been listed on my credit reports from XXXX, XXXX, and XXXX. This omission significantly delayed my awareness and response to this unauthorized account, depriving me of the opportunity to mitigate its impacts on my financial health sooner. 

Legal Impossibility Due to Age : At the account 's opening in XX/XX/XXXX, I was underage, making it legally impossible for me to have entered into any contract or agreement for credit. This fact alone invalidates any claim of my consent or participation and further supports the identity theft claim.
Consumer complaint received 2024-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XX/XX/XXXX, I opened a HELOC with Citizens Bank in the amount of {$140000.00}. In XX/XX/XXXX, I paid off the HELOC in full, leaving a XXXX balance. I mistakenly believed that would close the loan. 

Unknown to me, as I wasnt tracking the XXXX-balance account, XXXX maintenance fees of {$50.00} each were charged in XX/XX/XXXX and in XX/XX/XXXX ( I believe, I no longer have access to the account files ). 

In XX/XX/XXXX, I was notified by mail that this HELOC was suspended because I had significant delinquencies, defaults, foreclosures or bankruptcies, none of which was true. Worse, Citizens Bank reported these delinquencies to all three credit bureaus. 

I tried to dispute the claim that the account was delinquent, and I paid the {$100.00} in fees. After confirming that my credit scores were annihilated, I opened a dispute with the bank, requesting them to look at the facts, and rescind their notification to the credit bureaus. I exhausted that process, and was told the case was closed. My credit score is now at or slightly above sub-prime, and will be for the next XXXX years, all for {$100.00}.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I like to file a complaint against XXXX XXXX for reporting inaccurate information on my consumer reporting file. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit files I was told " XXXX XXXX has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part you perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2. 

This is also a violation of tax code and multiple state laws in which XXXX, XXXX and Equifax are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania  XXXX Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.
Consumer complaint received 2021-11-02
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: American Credit Acceptance, LLC (IL)

Ive never looked into my credit before, and there was nothing in there, now when I just checked today XX/XX/XXXX, it had three soft inquires, from a auto loan. I do not own a vehicle. Due to the pandemic times are hard enough, now this is really weighing down on me.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

My complaint is with Citizens Financial Group Bank holding Company. 
Headquarters located at XXXX RI. contact number XXXX XXXX XXXX. 


On XX/XX/XXXX, my online banking account was a victim of online banking fraud. I have been denied the proper review process for a fraud claim. My account was charged off without proper documentation in regard to the fraud claim. 

All of these conversations transpired on a recorded line. 

I called the bank on XX/XX/XXXX. I was told that I should receive my money back. I did not hear anything back from the bank for a couple of weeks. When I called back in on XX/XX/XXXX I was told that the claim was discontinued. I asked the bank to change my mailing address as I believed that the information had been in the wrong hands at the old address. I informed them I was not the one who discontinued the claim. I then made a new claim on XX/XX/XXXX and I was informed on a recorded line that prior to the online banking fraud that I had {$450.00} and that I should receive my money back! I received a call on XX/XX/XXXX informing me that the bank saw no error they did not provide me with any supporting documentation for this claim. During this recorded call the representative informed me that she would not be giving me any further information, but she did admit that they had again mailed the information to the wrong address, which I again let them know that was possibly a source of the fraud. They told me they would call me back in two to three business days and never did. 

I have spoken to multiple representatives on recorded lines who confirmed that my account was a victim of fraud and there were promises made to return the funds and for me to receive a call back from the OCC. I have yet to receive any calls back or documentation from this bank.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my mother and I opened a joint savings account at our local Chase Bank branch to deposit family inheritance from XXXX. The accounts ' purpose was explained to our local branch manager at the time, and it is our understanding that such transactions are authorized under existing regulations ( for example, Section XXXX of the XXXX Transactions and Sanctions Regulations ). I am also an existing Chase bank customer, have been banking with Chase for several years. 

On XX/XX/XXXX the first check for {$35000.00} was deposited ( remotely ), followed by a check for {$33000.00} on XX/XX/XXXX. In all, XXXX checks were deposited totaling {$69000.00}. Given the size of the transfer and the lack of direct banking relationships between the U.S. and XXXX, the funds were sent via several transfers. 

On XX/XX/XXXX, we verified the status of all XXXX deposits and Chase Bank informed us XXXX of the XXXX checks cleared. However, XXXX check was withheld for verification, totaling {$6900.00}. The bank explained this was standard banking practice. 

On XX/XX/XXXX Chase Bank closed our Savings account and froze all its funds, totaling {$69000.00}, again without customer notice or explanation. 

Despite a dozen phone inquiries, XXXX official complaints, and a written letter, we have been unsuccessful in making any progress in understanding where our money is, what the bank plans to do with it or even when/if the bank will return it. 

On a personal note this whole process has been extremely stressful on my elderly parents and myself. My parents are on fixed income and the money was intended for my fathers ' XXXX XXXX 

To date we have had absolutely no official communication from Chase Bank, which is unacceptable. These assets were transferred lawfully and while I am happy to provide additional clarification regarding them, Chase Bank has no right to seize the funds and keep them from our family indefinitely and without explanation. We urge the Consumer Financial Protection Bureau to look into this matter and urge that Chase Bank both communicate with us and release the assets.
Consumer complaint received 2021-09-24
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. (KY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-04
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. (TX)

Requested reporting agency provide Metro 2 complacency of reporting 30 day late on report XXXX XXXX XXXX  XXXX Account number XXXX Paid, was past due 30 days
Consumer complaint received 2016-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (VA)

Received letter ( XXXX/XXXX/16 ) from company ( " American Coradius International LLC '' ) claiming to be collections company indicating I owe {$370.00} to " XXXX '' via my XXXX account. I do not recognize the amount or the " XXXX '' name. I logged in to my XXXX account ( XXXX/XXXX/16 ) and note that no balance is present and any payments I made via credit during the past year and prior are resolved, with no indication of money owed. I have checked my XXXX and XXXX credit reports ( XXXX/XXXX/16 ) and see no indication of the {$370.00} debt or the " XXXX '' name, nor any other past due debts.