davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

I was falling behind in my bills due to the pandamic. In an effort to rebuild my credit I opted for a debit consolidation instead of filing for banckruptcy. The program I was is called XXXX XXXX XXXX. The name changed during the process of my consolidation from XXXX XXXX XXXX. After considering how the program worked, my husband and I felt it would be a good choice. We were required to submit all of our debt and they worked out a monthly amount we were to pay to them. Once there was enough money to cover a debit, the would call to make an offer to settle the account. Since we had made the monthly payments on time for six months, they offer us a program where we could apply for a loan to pay off the creditors faster. We agreed. One of the creditors was Best Buy monitored by Citi Bank. They wer unwilling to accept any commuitcations with the debt consolidation company. I contacted BestBuy ' billing department and ask for an amount that would settle the account. The account at that time was about {$3000.00}. They were uncooperative and unwilling to be reasonable with an agreeement. Finally I had no choice as I was needed to settle to get the loan amoun to we agreed on {$2200.00}. The debit consolication company sent the payment on XX/XX/2022 and we paid the company a fee of {$290.00} to settle. The debit consolidation company said it takes about 60 days to see the change in the credit rating. We waited until XXXX and there was no change there was reflected a balance due. Put in a complaint with the Best Buy and the debit relief company. Best Buy/Citi Bank stated they never made an agreement. The phone calls are recorded so we asked them to list to the call. They claim they. If they checked the payment history on the could it would show minimum payments and then this odd amount paid. I sent a complaint to XXXX who monitors my credit to put in a complaint as well. Now my account reads 120 days past due. This has been an ongoing nighmare. I did everything that was asked to settle this account and not only is there a balance still due but my credit is being adversly affected. I believe Best Buy/Citi Bank was not truthful in there attempts to help rectify this problem. We tried reachin out to upper management for help with this problem but was uanble to get any assistance.
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (OH)

The loan company is known as American Credit Acceptance it is part of the XXXX XXXX. I have a vehicle financed through them, a XXXX XXXX XXXX. The account was delinquent XXXX XXXX I called in on XX/XX/XXXX and tried to make arrangements and I was told the vehicle was in repossession status as of XXXX that XXXX. When I spoke to the agent she advised I needed to make a payment to get the vehicle out of that status, so I made the payment. I was told it would take 24 hours for the system to update and the recovery agent to be informed of the payment. On XX/XX/XXXX the vehicle was picked up. I called American Credit Acceptance and they stated it had not been 24 hours since the payment so their system had not had an opportunity to update. I have contacted the company after the 24 hour period and the system was still not updated. The latency of their system should not impact my account. Someone should have called, sent a fax or email to inform the recovery agent of the payment that was made. I am being charged for repossession fees and lot fees to recover my vehicle XXXX. This is not reasonable after I have contacted them tried to make an arrangement and then made a payment. Additionally this company continually violates the FDCPA policy in regards to contact, they have never contacted me regarding the account, if they have they have never left a message to identify that they have called. I do not want my credit impacted any further and I want the fees returned as this was all within their control.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated theis account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This was already included in my prior Ccomplaint, and I'm including it again. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00}
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (TX)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX under the account # XXXX opened on XX/XX/XXXX with a balance owed of {$13000.00} also Waypoint under the account # XXXX opened on XX/XX/XXXX and several Auto inquiries at XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-19
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. (NY)

I called Equifax to have my report corrected as they have recently experienced a credit breach in which they are unable to verify who was affected by the breach. They are in direct violation of 15 usc 1681 A 3, and 4. I am not making a dispute. I am demanding me report is cleared of all derogatory/negative information and or items. 

Thank you.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NY)

I'm XXXX, I have a gift card that I can't uesd. I called to report my card on XX/XX/XXXX, the customer service gave me a case number : XXXX, on XX/XX/XXXX I followed their request, subjected my name and case number, And uploaded my card, receipt, and my driver 's license, sent to this email address : XXXX, but no one responded to me, I sent again on XX/XX/XXXX and XX/XX/XXXX, still no reply me, I have called them 3 times. On XX/XX/XXXX they said they didn't receive it, I uploaded a few more times, called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and told me to call back again in 24-48 hours to them, I have to wait 30-40 minutes each time to get in the phone but nothing can help me, still let me upload again or wait again, I called 3 times in this month, uploaded 6 times of documents, but no one replied to me, still said that they could not receive my documents, it isn't my problem, they couldn't receive my documents, but my money can't be used in the card, please help me to solve.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (MD)

Upon purchasing a home a contracted on XX/XX/XXXX with XXXX XXXX XXXX to set up a home security monitoring system including installation of equipment and ongoing monitoring services. XXXX set a date to send a installation of equipment and on such date nobody showed up provided and install any of the required equipment. No notice was provided by Brinks about this no-show or intention to reschedule. A second attempt was made to reschedule and XXXX again failed to send someone to appear for installation. After this second failed attempt I called XXXX service hotline and spoke with a representative to notify them of 2 failed appearances and my request to cancel the Agreement. This was confirmed and affirmed by the customer service representative. I later received an invoice for the initial month of the Agreement even though equipment was never installed. In response I sent an email to XXXX on XX/XX/XXXX notifying them that I already canceled the service per the terms of the Agreement ( Section 3 of the Agreement allows customer to cancel within 90 days ). I also reaffirmed my decision to cancel in this email ( written within 8 days of the contract execution ). 

In XX/XX/XXXX I received a notice of collection by a debt collection agency seeking full payment and nearly 100 % charges in penalty related fees ( totaling {$530.00} ). I responded with documentation including the contract, explaining the failed service, highlighting contractual terms allowing for cancellation within 90 days, and providing evidence of my cancellation attempts. Since this reply, the collection agency ( McCarthy, Burgess & Wolff ) has persisted in pursuing collection while not providing any basis for the charges and responses to my questions as to the validity of such. I wish to no longer be harassed with collection efforts
Consumer complaint received 2022-09-28
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: Sequium Asset Solutions, LLC (IL)

My realtor checked my credit profile and there is a collection on all three bureaus for {$500.00} from SEQUIUM ASSET SOLUTION. ALLEGED ACCOUNT # XXXX that does not belong to me I have lived at my address for 41/2 years I have never had XXXX XXXX 
DEMAND FOR VALIDATION AND PROOF OF CLAIM This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq.

In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony networks have violated IRS Publication 4681 Cancellation of debt which gives procedures for charge-off debts and the requirements for ensuring it is within IRS regulation such as the statement in the publication where all debts canceled above XXXXXXXX XXXX must have an accompanying form 1099-C sent to the debtor. 

I never received a form 1099-C for the charge-off. Not only did Synchrony Network charge off this debt as a tax write-up without providing me a 1099-C but they continued to pursue the payment of the debt they already cancelled. 

As Defined by The IRS Even if you didn't receive Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as ( Gross or Ordinary income ). 

INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as debt is inaccurate. 

15 USC 1681 s-2 Says Synchrony Network is a furnisher of information to a consumer reporting agency. 

They ARE PROHIBITED BY LAW to furnish inaccurate information. I demand they Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I called federal loan servicing at XXXX on XX/XX/XXXX. I spoke with a woman ID # XXXX who told me the refund request was sent on XX/XX/XXXX for a total refund of {$9400.00}. She told me it would take 2 weeks to 2 months to process and that it would go to my checking account that I used to pay off my student loans during the forbearance/pandemic period. A few weeks later I spoke with ID # XXXX ( XXXX XXXX she had no idea what I was talking about and when I asked for a confirmation email and I git an email just stating a ticket was closed. Today I spoke with another woman, she was so rude! Unprofessional argumentative and unkind! She, like the last " specialist '', had no idea about my right to get the loans I paid during the pandemic refunded to me. She proceeded to tell me how wrong I am, that I'm explaining it wrong, that I don't know what I'm talking about, questioning why I don't want my loans to stay paid. I finally copped an attitude back and told her the call was being recorded and she said mine was too, I hope it gets replayed. I called today XX/XX/XXXX at XXXX. I still have no idea what the status of my loan payment refund is. I wrote an email to them explaining what I need. This is a lot of money, I'm trying to get the money I paid towards my loans refunded so I can apply for the loan forgiveness programs before its too late. My user name is XXXX dob XX/XX/XXXX email XXXX XXXX
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (TX)

I had owed XXXX money from a credit card I was unable to pay due to financial issues. XXXXXXXX XXXX  then utilized Calvary SPV as an assignee of the debt to which totals {$12000.00}. Calvary then has hired XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX to collect on said debt. This is a violation of XXXX XXXX XXXX XXXX. 

" ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. '' They went on to try and serve me papers when I was not at my home which is also not the listed address on the citation they have had issued in court. The citation reads as being listed to XXXX XXXX. My wife told them a couple times I was not home during their hired hand trying to serve me notice and we also have a no soliciting sign posted. 

This has caused me tremendous stress and has hindered my family in pursuing our XXXX given rights to happiness.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXXXXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-09-28
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. (MO)

I submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I've sent necessary documentation to both bureaus providing my correct address & ID proving the address on file is incorrect or used by someone who has a similar name. I haven't received any response from the bureau by mail, email or to my fax number. I would like them to remove all incorrect accounts and/or information tied to any false address that is not mine. I have provided documentation since XX/XX/2022 several times and can yet to have anyone correct my credit file
Consumer complaint received 2022-09-28
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. (MO)

I submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022, someone used my identity to open two accounts in Bank of America. One account has a balance of {$210.00} as of XX/XX/2022. I called Bank of America but they said they can not find the account. I have never opened any account in Bank of America. I believe this is identity theft.