davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NH)

XXXX I went out to make arrangements for my vacation, using my credit card of a {$2500.00} limit. First step was to put down a trip deposit of {$1500.00}. This was done in person at XXXX 'XXXX XXXXXXXX. Next step was to buy my airline ticket which would put me to my max credit limit. When doing this online we would get up to the part where we would put my cc information, but the computer would say that it would not process. So we had to attempt it again. We tried this 7 times every time it would take the credit information but nothing more- it would never confirm purchase, never allow me to pick a seat, never asked for a name of passenger, never gave me a confirmation number, no email to say any went through. So I finally called the airlines and made my flight. Then I got a confirmation number and on the website could see all the flight itinerary. A month later when I got my cc bill I was charged 8 times for the same amount {$840.00}. This is well over my limit- why did it go so high? And why didn't the cc question fraud purchases from XXXX? I have been trying to work with credit card for the past few months but they are only working with airlines saying I bought XXXX flights. I have been trying to clear this with the airlines but they aren't responding. The day before my flight I found out they suspended my flight- after I had paid for in full. I ended up having to book another flight last minute. I still am being charged for all XXXX flights! But I had no flight to take when I traveled???
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am writing to file a formal complaint against XXXX XXXX, XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : XXXX XXXX XXXXXXXX acquired a debt from the original creditor, Synchrony Bank, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to XXXX XXXX XXXX requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with XXXX XXXX XXXX, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX, XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that XXXX XXXX, XXXX immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that XXXX XXXX XXXXXXXX rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Consumer complaint received 2023-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX an account with capital one was discovered in my credit report and I disputed this account under unknown account as if it's fraudulent. I've submitted complaints with identity theft service and files police report. Capital one is still not removing this account from my credit report
Consumer complaint received 2023-05-20
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: GOLDMAN SACHS BANK USA (NY)

I was a victim of Identity theft. My name and SS number was used to open an account by Goldman Sacks Bank USA in XXXX of 2023. I got an alert on my credit score last month showing account past due for 60 days. I have called Goldman Sacks several time. They were unable to verify my account because my date of birth, email and phone numbers were all wrong in their system. I updated my information and asked for statement to be sent to me so I can see what is going on but they did not send any information. I also filed a complaint on XX/XX/2023 with specialist XXXX and never received a response. It was fraudulently opened and I am very frustrated as it affects my credit.
Consumer complaint received 2023-05-20
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: Ability Recovery Services, LLC (NV)

After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-05-20
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: FIRST HAWAIIAN, INC. (CA)

In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

15 USC 1666B states that a creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.
Consumer complaint received 2023-05-20
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: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Dear Portfolio Recovery Associates, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately. 

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred. 
2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges. 
3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt. 
4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Portfolio Recovery Associates, establishing your legal right to collect. 

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter. 

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CT)

Unauthorized balance transfer on XX/XX/XXXX of {$9300.00} plus fees of {$460.00} for the unauthorized transfer. XXXX plus months in attempts to resolve. Now there are late fees and interest of another approx {$500.00}. as of XX/XX/XXXX. Also, some real charges of {$5000.00} by me that I have offered to pay should the resolve the matter. XXXX plus hours on the phone with both their fraud department and the dispute department have brought the promise that a XXXX will call me back. As of XX/XX/XXXX ( today ) no call to resolve matter.wr are past 100 days and I see XXXX 's as a predator. Thank you. 
XXXX XXXX
Consumer complaint received 2023-05-20
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: CITIBANK, N.A. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

PayPal has limited my account based on the fact that, I had one instance when Ive been using this account for a year plus of fraud. The fraud was on my PayPal debit card, because I filed a claim they permanently limited my account and are refusing to allow me access to my XXXX XXXX  balance for 180 days, yet the email they sent me says I am able to withdrawal any available balance, but my account will not let me. It is a violation of reg e for PayPal to not take my claim seriously and instead of investigate the unauthorized charges on my account they proceeded to just instantly ban me locking my available balance. I expect the limit will be reversed and my funds released to me ASAP. 

Reference ID XXXX XXXX
Consumer complaint received 2017-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.
Consumer complaint received 2023-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I have been dealing with this issue through Wells Fargo for over a year. 
During COVID I was offered a forbearance on my < {$40000.00} Home mortgage. I have been paying monthly on this loan for over 15 years. 
I was told that I could repay the part of the loan that I stil owed from the forbearance period, at the end of my mortgage payment. I am a XXXX XXXX XXXX and can not pay back {$4000.00} in one payment. 
I was even offered another forbearance loan after this forbearance period ended. I didnt want to have too much to owe back, so I declined the 2nd forbearance offer. 

After a certain amount of time, the bank reposted that I owed them somewhere about {$4000.00} immediately, due to my forbearance. In response, I told them I understood that I was not required to pay the forbearance sum in a large lump sum. I believe that the payments of principal and interest would not be changed, and that I would owe on the the loan for a few more months. 
Wells Fargo responded with many different answers. I have them in writing and I have recorded many of the responses. The first response from Wells Fargo was that I need to open a new account that would " serve my needs better '' This new modified loan would need me to fill out a new mortgage loan application and fo through the entire process of getting a new loan. I was very upset. I told them many times that I didnt want a new mortgage loan account. I asked for them to please just let me pay at the back of the loan, like I was promised. This was never answered. 

Instead Wells Fargo placed an outstanding balance of over {$4000.00} on my mortgage loan account. I continued to pay the monthly premium of {$350.00} by the XXXX  of every month. I noticed that my payments were now not being credited to my principal and my interest. Instead the entire {$350.00} was being credited ONLY to my interest. So for a full year or more, I paid down interest on my loan. They never credited to " outstanding amount '' of {$4000.00} or my remaining principal. 

Im so very upset. This is really stressful They even threatened to foreclose on my home. Please help me. I dont know what else to do. 
Now I can not find my mortgage loan on my Accounts online. I call and spoke to 5 different people in different departments, per usual. From what I can gather, my loan is now in the processes of foreclosure. 

This news is crushing and I really do not know what to do. Please help me. 

Thank you for your attention to the matter. 

XXXX XXXX
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (SC)

United Wholesale Mortgage - Two recent payments that have fallen on weekend dates have been submitted BEFORE the agreed upon date set up by us. The representative tried to say it was our bank, XXXX, that was doing this. I have worked prior in the mortgage industry and know this is not the case. The representative disagreed with me. I stated that if it happened again I would file a complaint with the CFPB. The next payment falling on a weekend, same thing occurred.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (MI)

The balance on this account is not reporting accurately. The only payment terms that are in agreement with Aspire, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Collection agency name : Midland Credit Management Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I received notice from all 3 credit companies today that a new collection account had hit my credit. I reviewed the account. This is an account from XXXX, which was opened in XXXX. It is now XXXX. This debt is over XXXX XXXX XXXX and has appeared on my credit several times by several different collections companies. I have a current account with XXXX  XXXX, two actually, and have therefor long since resolved this matter. As it reads now it does indicate that XXXX  XXXX was the original creditor however, it states past due as of XX/XX/XXXX and appears as a newly past due collection. This is false. The balance, the account open and delinquent date, all false. An old debt sold to another collection company thats long been settled appearing as a new debt. That is illegal. The companys name is consumer adjustment co.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TX)

I rented a car for a work trip through XXXX and prepaid for a car rental. I picked up the base model car XXXX and had it through XX/XX/year>. I prepaid for the car rental through a credit card for the full amount. When I went to pick up the rental car at XXXX, they wanted a card held for " incidentals or damage '' so I gave them my US bank credit card ( a different credit card then the one I used for XXXX ). After the airport drop off of the car ( a completely unsecure lot at XXXX with no one to check it in for return and no one checking it out upon exit on XXXX ... I had a {$400.00} extra charge added on my US bank card when I already prepaid for the car rental for XXXX for XXXX dollars for a base model XXXX XXXX. They receipt for the charge stated it was for " exterior washing '' which makes no sense nor a charge that high. I got a XXXX from XXXX after the check out and included all of these details because I called to speak with someone at the XXXX XXXX XXXX and no one answers the phone and the voicemail box was full ... I only received an email back from the Airport manager at XXXX because of the survey and details but they then stated the {$400.00} charge was due to the check in detecting smoking, which I replied to no way I don't smoke and I would have noticed that right away. They never replied to my email. I disputed the charge with US bank and gave them all the details, dates, everything that happened, correspondence and also XXXX different answers about the extra charge to which I was replied to they would dispute it but " it happens a lot with rental cars and they just do whatever they want these days with automated services like those pick ups '' I told them I don't accept that ; I didn't warrant any extra charges and they " don't get to just charge and do whatever they want '' and where is the customer protection? Isn't that what dispute is for is helping their customers? They said they would close the case and I need to call and reopen it. I've been on the phone now XXXX different times with US Bank opening and disputing this silly bogus charge ; they closed the case saying they don't have enough information and I should contact the merchant. The merchant XXXX doesn't reply. None of this is ok. Both sides aren't helping the consumer XXXX and all I did " wrong '' was renting a car and having a terrible credit car company. I prepaid for the junky base model rental car for almost XXXX from an airport and got charged another XXXX for no reason- so technically paid over XXXX for a 3 day XXXX XXXX with no damages done and a tank full of gas and a little bit of driving. All I'm kindly asking is my {$400.00} erroneous charge to be refunded to me since it was erroneously charged. I don't feel that is too much to ask ; in fact I would love to think you would be the company to stand up for us the consumer to assist us in continuing in fairness in equal exchange of goods and services actually rendered. Please help me. Thank you