davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (SC)

I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.
Consumer complaint received 2024-09-20
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: Bread Financial Holdings, Inc. (TX)

I received notice that an account was opened in my name with the credit card company however I did not open the account. As soon as I received the notice I called the company directly and reported the fraud. They said they would take care of the account. They closed the account but left a balance. They did not notify me of the balance, no statement was ever sent after the phone call and I did not anticipate having a balance after reporting the account was fraudulent. I found out yesterday through credit reporting that not only do I have a balance but it is delinquent and negatively impacting my credit score. I called the company and they now want additional information to fix the situation. If they had needed this information initially I would have provided it prior to this point however I was told the situation had been addressed.
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (IL)

I was told that the loan would be forgiven due to my XXXX and the fact of the loan being over XXXX XXXX XXXX at the time the loan was only for XXXX. It is now about {$10000.00} due to interest charges that the company add to the forgiving loan each year.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SOFI TECHNOLOGIES, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and were opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

SOFI BANK Account Number : XXXX Charge Amount : {$26000.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

I do a lot of shopping online with my XXXX XXXX account and use my XXXX XXXX credit card. This Chase XXXX XXXX account allows me to give 5 % of my purchases to the charity of my choice, the XXXX XXXX XXXX XXXX XXXX XXXX. I also get 5 % of my purchases back on my XXXX XXXX RewardsVisa Signature Card for any future purchases from XXXX ( only ). 

I received an email approximately one week before my birthday with the following offer " LIMITED TIME OFFER : We'll reward you with XXXX bonus points when you go paperless ''. 

Since I was already checking my balance online, I decided to accept the offer. I followed all of the instructions and within a few minutes received a confirmation. " Thanks for choosing to go paperless. We'll no longer mail the following documents ; they will be posted online for you. 

CREDIT CARD ... XXXX STATEMENTS NOTICES & LETTERS '' At the bottom of the promotional email it says in small print " You will qualify for and receive your XXXX bonus points if you have changed your statement delivery preferences for the account listed in this offer to paperless by XX/XX/18 XXXX XXXX ET and your account is enrolled in paperless statements, open, and not in default at the time the bonus posts to your account. Please allow up to 10 weeks after the last day of the promotional period for the bonus to post to your account. Only one bonus per eligible account. Credit card product changes during the promotional period will forfeit this bonus offer. '' It has now been over 12 weeks since the last day of the promotional period, and the XXXX bonus points have not been applied to my XXXX account. 

I have contacted XXXX, and following their instructions, emailed my complaint to Chase. I have not received a response from the credit card company. 

I am going to try to include the two redacted promotional and response emails from Chase.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (FL)

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " charged off account '' and incorrect balance ] I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Consumer complaint received 2024-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (IL)

In XX/XX/XXXX I picked up a XXXX XXXX XXXX XXXX XXXX in XXXX IL I did not have an insurance deductable after a XXXX and the company verified nothing was owed at pickup. 
on XX/XX/XXXX the main office of XXXX in Indiana started sending billing of {$340.00} with no explanation. 
I attempted calling the billing dept at XXXX XXXX XXXX, no answer, message was left. There had been no reply. 
XXXX continues to constantly send the bill through another company.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY (CA)

I spot with the very rude company about a letter I have got in the mail about an American Express debt amount at the time with American Express the amount was {$2000.00} that is the amount I owe each time I would call American express would not want to take payment. And stated to call this law firm out of Florida where I live in the state of California, This company has harassed me reach out to sue me to garnish my wages when I would call I tried to resolve the issue with an pay the amount they gave me attitude stated oh you can try this is what it is very rude as if they did not want to fix the situation but keep it going. I want them to be removed, and I would like to fix the situation with American Express this is fraud and threats by a collection agency. The account will be involved in litigation. I do not owe the amount that is shown of {$3800.00}, and they told me they will increase the amount which is illigal I tried to fix this account with this fraudlant company now i do wish for them to leave me alone. I have sent a cease-and-desist letter also, The Fair Debt Collection Practices Act ( FDCPA ) sets rules on how and when debt collectors can contact you they have broke these rules, my rights are being broken under the FDCPA and inaccuracies
Consumer complaint received 2023-05-23
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 (TX)

I was looking through my inquiries and history information when I came across a couple hard inquiries from XXXX XXXX XXXXAmong these included XXXX XXXX, Captial One XXXX XXXX, XXXX XXXX XXXX XXXX. I didn't consent to these inquiries, and have no idea as to why they were all pulled. The 2 times I allowed this was in Summer of XXXX for a XXXX XXXX and XXXX of XXXX for a XXXX XXXX. It lowered my credit by a couple points, which is not much, but still.
Consumer complaint received 2018-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have contacted both XXXX and bank of America about 4 transactions to XXXX app on mobile banking where 1number on this contact was incorrect and the name of this individual does not match the name on the account I was sending money to. Bank of America contacted the other bank ( XXXX ) who let the individual know of the mistake and the individual fully declined to return the money to me knowing the money did not belong to them ( XXXX ) XXXX is the number where the money was sent to. I have no idea who this person is or their name or anything.these are the dates of the transactions who were meant to go to feed my daughter but instead landed in the hands of this thief XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the only reason I found out is that I co-parent and they showed me proof they never received the funds of {$64.00}. I know this is not a large amount to many people but it is to me and I work very hard for this money and I would like it back!
Consumer complaint received 2018-12-07
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. (CA)

I have disputed the late payments on XXXX  XXXX, XXXX XXXX, XXXX  XXXX for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

I have a debt with XXXX XXXX that defaulted in XX/XX/2018. I have explained my financial circumstances to them and repeatedly asked that they only call me on my cell phone and to stop making harassing calls to my family and my spouse. 

Today ( XX/XX/2018 ) they called my husband and when he explained that they had the wrong number the associate proceeded to give him all of the information about my account and the debt. My husband is not and has never been an authorized party on any of my credit accounts. They have also done this to my mother and father. It is embarrassing enough not to be able to pay your debt but for them to repeatedly continue to violate my privacy is unacceptable.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc. (TX)

My identity was stolen and used to purchase an apartment @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX during XXXX  time. My police report has been filed through XXXX  with number XXXX.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

I purchased a couch from XXXX XXXX in XX/XX/2016. I earned rewards totaling around {$700.00} on a certificate with a 6-month expiration date. I researched the account and saw online that points do not expire for 36 months, so I called customer service to inquire about the policy. 

I was told explicitly over the phone that the certificate was only good for 6 months, but the actual rewards were good for 36 months. I would be able to get a new certificate at any point within the 36 month period. 

I called in XX/XX/XXXX to get a refreshed certificate, and was told those {$700.00} had expired after 6 months and that 'points ' and 'dollars ' are completely different -- the exact opposite of what the original agent had told me. 

The second agent I talked to took no accountability, and said the policy was clearly stated in their rewards information ( this same information that was confusing and led me to call in the first time ). He made no attempt to correct the situation. 

I know XXXX XXXX is small and can often fly under the radar, but I urge you to investigate these shady policies and practices that I believe are intentionally designed to deceive customers. 

Banks should be held fully accountable for deceptive practices even when they are part of partnerships.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my XXXX  XXXX bankruptcy by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 

Background and Details of the Complaint : Record Type : XXXX  XXXX bankruptcy discharged. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
Phone Number of the Court : ( XXXX ) XXXX. 
Dispute Processing : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the bankruptcy record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on Me : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy.

Resolution Sought : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

Sincerely,
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NC)

Im trying to move into my home, Im fresh out of college & my credit score is poor due to these companies reporting. Case law ( 15USC1692c ) states. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt And reporting to my consumer report is a form of communication. Thats breaking the law. 
XXXX XXXX ( acct XXXX ) address : XXXX XXXX XXXX, XXXX Tx XXXX Jefferson capital systems ( Acct XXXX ) address : XXXX XXXX XXXX XXXX, XXXX MN, XXXX XXXX XXXX  XXXX ( Acct XXXX ) Address : XXXX XXXX XXXX XXXX TX, XXXX
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XX/XX/year> my account got closed i had XXXX $ from my job and i received bank transfer from family members and took the money out wells fargo thought the money i received was mixed with the XXXX $ even though they can see in the statement the money was there XXXX month prior and now they wont tell me where the money is and its been a year and i have yet to receive it
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: LEXISNEXIS (OH)

I recently filed for a credit card and was declined unlawfully under the reference number XXXX .According to 15 U.S. Code 1691 : ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under this chapter ( b ) It shall not constitute discrimination for purposes of this subchapter for a creditor to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination ofcredit-worthiness ; to make an inquiry of the applicants age or of whether the applicants income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; 15 U.S. Code 1681 ( b ) Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agencybearing upon the consumerscredit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within XXXX days after learning of suchadverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I had XXXX refunds transferred to my account. I only received XXXX of those. XXXX of the transactions are missing. Nobody can explain to me why I have gotten some and not all. I also spoke with the sender and the bank sending those. All looks like refunded on that end. I filed a dispute and was not given any provisional credit. This amount was over {$400.00}.