davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CO)

My XXXX  XXXX Barclays XXXX Credit Card account ( Last Four Digits - XXXX / Expiration Date XX/XX/XXXX ) was closed for lack of use back in XXXX. The account was closed without Barclays providing notice to me that I needed to utilize the credit card or the account would be closed. 

I appealed the decision via a Consumer Financial Protection Bureau complaint in XXXX and XXXX XXXX XXXX from Barclays investigated my complaint and found that my XXXX XXXXe Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was continuously declined at a number of different merchants. I left several phone messages to XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised and therefore I was never able to utilize my XXXX XXXX Barclays XXXX Credit Card. 

I then submitted another complaint to the Consumer Financial Protection Bureau regarding the fact that my World Elite Barclays XXXX Credit Card was not usable as promised. XXXX XXXX XXXX from Barclays once again investigated my complaint and found that my XXXX XXXX Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, once again, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was once again declined a number of times. I once again left a voice mail for XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised, XXXX XXXX once again never returned my call and therefore I still unable to utilize my XXXX XXXX Barclays XXXX Credit Card. 

I would like to be able to utilize my XXXX XXXX Barclays FXXXX Credit Card once again as noted in both letters from XXXX XXXX at Barclays. 

Thank you, XXXX XXXX. XXXX
Consumer complaint received 2018-11-03
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: ALLY FINANCIAL INC. (MI)

Dates XXXX to XX/XX/2018 ALLY FINANCIAL INC : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : XXXX  : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : Letter sent out got back with me on XX/XX/2018 with documentation with all my information stating I requested a car loan. None of those documents had my authorized signature on them. 
XXXX XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX  XXXX via XXXX : Letter sent out haven't got back to me.
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IL)

On XX/XX/2018 sent a letter to Receivables Management Partners , LLC located in XXXX XXXX, IL XXXX. I requested for RMP to provide me a copy of my signature with the provider of service with XXXX to release my medical information to RMP. In addition, I requested for RMP to cease any credit bureau reporting until the debt as been validated by me. 

On XX/XX/2018 I sent 2nd request for Receivables Management Partners , LLC to provide me a breakdown of fees including any collection and medical charges. In addition to provide me a copy of my signature with provider of service to release my medical information. It has been many phone calls after I demanded that the phone calls need to stop. I asked not to contact me by phone call only through via mail. They have failed to stop the phone calls after I have sent two letters to provide me with the information they are required to provide me under the Fair Debt Collection Practices Act ( FDCPA ). I am allowed under the Health Insurance Portability and Accountability ( HIPAA ) to protect my privacy and medical records from third parties. I have asked many times to provide me a contract with my signature that I have to pay them. All the letters sent to them were mailed as certified and return receipt to Receivables Management Partners , LLC. They have failed to provide me what is required to verify the account. I do not recall the fees and amount since I have asked the hospital with financial assistance.
Consumer complaint received 2018-11-03
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: Experian Information Solutions Inc. (AZ)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX,
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I disputed a discharged bankruptcy and Experian and XXXX   refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to Experian and XXXX and they still refused to delete the error. it was responded that the company verified the info with a third party system. the third party system is incomplete and inaccurate since they don't provide complete social security numbers as they would against the fair credit reporting act and privacy laws. also i wrote the third party system and they don't have a record of the account. I am also attaching documentation of the letter sent to them for a second time and their response.
Consumer complaint received 2018-11-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

My compliant is about Experian. I have tried many times to contact them by phone to remove an existing dispute from my credit. I have called at least 6 different phone numbers and none give the option to reach a person. I believe this company is actively trying to avoid speaking with consumers. I was able to reach XXXX and XXXX within 20 minutes and resolved my issue but Experian seems to want to avoid speaking with consumers and I believe this is abuse and neglect. My issue CAN NOT be resolved with an automated system, but I believe they are not interested in allowing someone to speak with me unless I sign up for the credit services.
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AZ)

Conditional Acceptance Letter XXXX XXXX To Whom It May Concern, I agree to pay the following financial obligation regarding student loan account in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent and requested for you deliver to me the following : *Provide validation of the debt, that is, production of account and the general ledger statement. 
*Verification of your claim against XXXX XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX and XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' *A statement admitting whether you are the holder in due course or whether you are a servicer. 
*A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
*The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
*The CUSIP number under which my loan was securitized to. 
*|Make available for visual inspection my original wet ink promissory note ( not a digitalized or photocopy version ). 
Please provide the above and If you are unable to provide this proof as I have requested within 15 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ) By law, all collection activities must cease until this matter is resolved. Blatant disregard for this law is subject to fines by the FTC. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX, XXXX XXXX XXXX/ [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2018-11-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was given a cashier 's check by a potential customer for {$2200.00}. This amount was {$1400.00} more than my asking price of {$850.00}. I contacted the customer and inquired about the over payment. They said that this cost was to cover shipping from Los Angeles to New York. I told them that I didn't want to coordinate any shipping and that I would happily refund that portion of the payment as soon as their cashier 's check cleared in a couple of days. On XX/XX/XXXX, I logged into my account and noticed that the cashier 's check had cleared so I felt comfortable in refunding the {$1400.00}. The customer then contacted me upset about how I was withholding their money and no longer wanted to do business with me and asked for a full refund. This all seemed suspicious so I did not refund their money in full and instead contacted my bank about this check because I noticed a small error message next to it when I would log into my online banking account. The bank notified me that the check was a fraud check and that my account was going to be frozen and that they would be taking back the total check amount since it turned out to be fraudulent. My bank is holding me accountable for the {$1400.00} I paid this individual. I only paid this scam artist back the over payment in the first place because their check cleared.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

In short, Citibank is holding my online access to my account hostage until I accept and activate a new credit card from them ( the MasterCard discussed below ). Citibank is apparently doing this to all of its customers. Citibank 's behavior is predatory and exploits the disparate bargaining power between it and its individual customers. 

My Citibank Visa card is set to expire XX/XX/2018. Starting in XX/XX/2018, Citibank disabled my ability to login to my account ( via its website or mobile app ) to pay my balance without first accepting and activating a new card -- this one, a MasterCard. Because I was unable to login to my account and pay the balance, I incurred interest charges on the outstanding balance ( ~ {$33.00} ). The same thing happened the following month, incurring an interest charge of ~ {$70.00}. On XX/XX/2018 Citibank 's website again would not allow me to make a payment. I called Citibank to explain the issue and that I should not be liable for interest charges because it was Citibank that was making it impossible for me to make timely payments. I pointed out how I have been a card holder for years and have not run a regular balance in at least four years. I requested that these interest charges be waived. Citibank responded that they would only waive one month 's worth of interest charges and that in order to pay online, I would have to accept and activate a new MasterCard, which it sent me a few weeks ago ( but which I have not accepted or activated ). 

This is effectively stealing from me and leveraging its control over my online account in order to force me into accepting and activating a new credit card. The representative then explained that Citibank was doing this to all of its customers.
Consumer complaint received 2024-08-23
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2018-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

We had just bought our truck in XX/XX/2017 and had made 2 payments on it before hurricane Harvey hit our area. We had several leaks in the house so my husband called 5th 3rd bank to see about deferring the payments so we could have some extra money to patch up the leaks. The bank agreed to defer the payments for 2 months XXXX and XXXX. My husband filled out the paperwork and faxed it to them but apparently it was filled out wrong and we were never notified of the issue until after the truck was repossessed the night of XX/XX/2017. My husband contacted 5th 3rd bank on XX/XX/XXXX and got the details about the paper work not being filled out right and because of that they didn't process it for 2 months of deferred payments. The bank stated that if we brought the loan up to current payment status they wouldn't defer the payments for XXXX and XXXX and it would be counted as regular payments for XXXX and XXXX and also it wouldn't be reported on our credit reports. Right away we got the money together to make the payments current and paid the repossession fees to get the truck out. After all that we thought everything was fine. Well we went to apply for a home equity loan last week and was declined because the credit report showed the repossession mark. My husband called 5th 3rd bank inquiring about the repossession mark and they referred us to this website. I would the like repossession mark and delinquent payments to come off our credit reports since we were told it wouldn't be reported in the first place.
Consumer complaint received 2018-11-03
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: DISCOVER BANK (FL)

Discover Inquiry from XX/XX/2017During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on XX/XX/2017 As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumers record. 

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a permissible purpose I am writing this letter. 

I don't recall applying for credit or employment with DISCOVER From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/XXXX : Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. 

Also from the Fair Credit Reporting Act : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$1000.00} to the name at the address listed at the bottom of this letter. 

I look forward to hearing from you to resolve this in an expeditious and amicable manner.
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (FL)

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX  XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s )  assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XXXX day of XXXX, 2018.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

I opened and funded a Citi checking account back to XX/XX/2018. 
The promotion I opened account with is " get XXXX $ cash bonus after maintain XXXX in account for 60 days ''. I completed required activity in early XXXX, 2018. So I should get cash bonus early XXXX, but I didn't. 

I contacted Citi about this and opened a case on XX/XX/2018. I called Citi twice on XX/XX/XXXX and XX/XX/XXXX to check case status, but there is no any update on it. 

I hope CFPB can help me solve this dispute issue. Thanks