davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (FL)

Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as XXXX XXXX and XXXX XXXX XXXX, XXXX. I am writing you for assisting having XXXX XXXX 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an XXXX Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie XXXX XXXX trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing XXXX XXXX that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named TrueAccord. I have attached XXXX XXXX XXXX  ', XXXX, TrueAccord 's, and XXXX XXXX 's contact information with this letter. I ask for your help addressing this matter with XXXX XXXX, XXXX XXXX XXXX, XXXX, and TrueAccord, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. 

I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. 
It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. 
I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there XXXX exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: GFS II, LLC (TX)

on XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX via Notary Public sent Registered Mail RA XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for Gateway Financial Solutions the 1st Mailing for Tender of Payment and private administrative process with notarial protest see attached pdf files titled 1 ) 1st Mailing Tender of Payment, 2 ) 2nd Mailing Billing Error and 3 ) 3rd Mailing Certificate of non-response. 

The instrument tender was refused as XXXX XXXX XXXX In-House Counsel for Gateway Financial Solutions responded : " My purported instrument is not a valid form of payment. '' Yet the instrument was not returned. 

On XXXX and XXXX I received letters form XXXX XXXX XXXX In-House Counsel for Gateway Financial Solutions requesting this estate to accept his letter as confirmation of receipt of my documents. Both letters failed to provide the requested certified 3rd party account audit. Both letters claim that I am in default of the terms of the contract. 

The terms of the contract Notices " Any Holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the Debtor shall not exceed amounts paid by the Debtor hereunder. '' My rights as a consumer were violated by XXXX of contract and non response to my Billing Error and request for investigation. According to Consumer law the required notices for permissible purpose was not sent to consumer. Furthermore, 12 CFR 226.13 ( d ) where this statute gives the consumer the right to with hold and collection action is prohibited. Yet, GFS II , LLC dba Gateway Financial soultions continued to report to XXXX XXXX and failed to provide requested information regarding the accounting. 

In XX/XX/XXXX my Consumer report was impacted with GFS II , LLC reporting charged off/written off and did not send corresponding 1099 C. 

On date Notice of Release of Payment mailed Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEO/Registered Agent for GFS II , LLC dba Gateway Financial Solutions and a threat of repossession under terms of the contract was mailed to attorney-in-fact and still no evidence for the requested accounting documents. 

I have suffered credit denials, apartment lease denials due to the false, deceptive and malicious practices of Gateway Financial Solutions.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (CA)

Around XX/XX/XXXX of this year, I applied and was approved for a Caesars Rewards Visa credit card. My card never arrived. When I called initially, I was told Caesars Palace could print the card on-site. That was untrue, and Caesars Palace staff confirmed that when I arrived on-site. When I called to complain, the credit card company said they can expedite shipping so it would arrive in 1-2 days instead of the usual 7-10 days. That was also untrue. It's been well beyond the 10 days, and I still don't have the card.
Consumer complaint received 2024-11-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

There contains no record of any contract with my wet-ink signature between Pro Collect. They mailed a bill and not an original contract. I do not consent to contract with Pro Collect. 

Pro Collect is using my information without my consent, this is Identity theft and perjury.
Consumer complaint received 2020-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

FedLoanServicing is deliberately misleading borrowers enrolled in the Public Service Loan Forgiveness program about the relief benefits they can take advantage of through the CARES Act. This is not OK. Please fix by having myfedloan.org make a corrective statement on their website. Thank you. 

On XX/XX/2020, FedLoanServicing has incorrect information on their website because it provides a false interpretation of the CARES Act ( Sec 4513 ( c ) ) by stating " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan : The time spent on the emergency administrative forbearance will not count toward your required payment count. '' ( https : //myfedloan.org/borrowers/covid ) The CARES Act in Section 4513 ( c ) states the complete opposite of what MyFedLoan.org states : "  Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified. ''
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (MO)

After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on XXXX.

2 ) All ( 24 hard inquiries ) on Equifax 3 ) All hard inquiries on XXXX
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I have been waiting to have my XXXX application to be processed for almost two years. It was initially submitted by fax in XX/XX/XXXX. I contacted Mohela in XX/XX/XXXX to inquire as to the processing delay and was told the fax was incomplete as only the first of several pages came through ( though nobody ever contacted me to notify me of this ). I resubmitted the form on XX/XX/XXXX. After the status didn't change from " processing '' after several months I inquired as to the reason and was told they are waiting for XXXX to approve my employer ( the state of California ) as eligible. They said they couldn't give me any timetable for completing the application review. At this stage, I am now well past my XXXX required payments needed for forgiveness and I'm still making payments as I wait for this process to pay.
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (NJ)

Reference number : XXXX I received a letter from TRS Recovery Services stating I owe a debt for writing a check that was returned for insufficient funds. I advised TRS that they have the wrong person and this is not my debt. They sent me a copy of the check. After reviewing the check, I am 100 % sure that they have the wrong person for the following reasons : 1 ) The checking account belongs to XXXX XXXX XXXX and my middle initial is not " XXXX  '' 2 ) The bank where the checking account is drawn is XXXX. I have never had any account at XXXX. The bank is located in XXXX, NY. 
3 ) There is a New York drivers license number written on top of the check. I have been a resident of New Jersey for over 30 years. I do not have nor would I have a driver 's license issued by New York state. Maybe TRS should send letters to XXXX XXXX XXXX  at the address printed on the check ( which looks like XXXX XXXX XXXX, NY ) instead of someone with ALMOST the same name but is not the account holder of the checking account at XXXX where the bounced check was presented. 

TRS is sending letters to the wrong person. It would appear that the XXXX XXXX responsible for the debt lives in New York, has a New York drivers license and has a checking account located in New York. I live in New Jersey, have a New Jersey driver 's license and my banking institution is in New Jersey.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (WA)

In accordance with fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy and 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish a without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

XXXX 2020 I have called several times to get access to my report, i have also mailed in disputes from other reports from other sites. I mailed my identification and i still have not gotten access to my reports online via their Direct websites. I am also unable to dispute items because of this.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (MN)

Unifin , Inc. XXXX XXXX XXXX Texted and emailed threaten message to comply and pay a debt that was charged off in XXXX on XX/XX/XXXX. 

I was also a XXXX resident for the next 9 years until XXXX with no judgement ever being issued for any debt. 

There has to date not been a judgement issued in XXXX where I live for work temporary. 

Since no judgement was sought or granted during the 6-year period as required by the state of XXXX where this debt originated from. I am seeing this as venue shopping and an illegal attempt to collect a debt that has long since expired.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

My accounts are kept on hold by bank for no reason. 
I am unable to access online banking nor to make withdrawal. 

I communicated with bank by phone on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
All they said is to wait for a letter for verification. 
I even visited Citi bank branch in XXXX XXXX on XXXX XXXX, she was also not able to help. 

I never received a letter up until now XXXX XXXX. 

I need to make payments for my daily activities like tuition fee, car lease, and all, and Citi bank is not responding me quick enough to solve this issue. 

I really need a help in order for a bank to release my money so that I can start making nessesary payments. 
Otherwise I have to face surcharge for late payment.
Consumer complaint received 2019-08-07
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 (MD)

In XX/XX/2019 I paid off a Negative Wal-Mart debit with a  collection agency XXXX XXXX. It has been closed and listed as paid through XXXX and XXXX. The issue is that XXXX still shows it as a negative account which has caused issues with me purchasing a home. 
I have submited documentation though their dispute center once via their web site and a 2nd time via mail. Each time I have submitted the documentation the account doesnt get corrected in their system I would like my Wal-Mart account to be corrected and not show as negative on my credit report.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

On XXXX XXXX XXXXI found out my PayPal account had been permanently restricted keeping me from getting my XXXX  Funds and cash balance out of the account. I have not violated anything in the terms and agreement so at this point my funds are no longer theirs to hold. I have nothing in previous transaction that will explain a legal right for PayPal to hold these funds for any longer. I am having a financial crisis because of this action from PayPal. I will end up in the streets because these funds are being withheld from me. PayPal chose to close my account they no longer have the right to hold my funds. I called several times and on one occasion was lied to about no supervisor because they are all of equal authority. Yet I called again and was told they needed to speak with a supervisor. Remind you now these are recorded conversations. I was told the wallet was getting accessed from XXXX I don't know anyone in XXXX so this was another lie. I feel as fast as they restricted the account they can restore it long enough to get all my funds out immediately. I called on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 
The amounts of funds are {$1400.00} XXXX {$160.00} I know there is a way to give me access long enough to get these funds out since they closed my account of their own decision. I give you to XX/XX/ for this to be completed. 
To resolve this I will need immediate access to my funds. I look forward to PayPal reply ASAP.

I will expect my funds released immediately or I can get in touch with several other organizations that can get this resolved. I'll for sure let the Texas AG know about this. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

on XX/XX/31 to withdrawal money from an atm at citizens bank it did not give me my money and took my card I had to go inside the bank to retrieve my card I got a paper that said incomplete transaction I filed a dispute that very day with us bank and now 2 times since they wont request the video from the atm owner I did not receive my money I had to sign for my card to get it back from citizens bank they could request that also but they havent done any of that
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I called the number provided to request information regarding my account and making a payment. I was told my account would close in XXXX days, unless I made a payment before then. I immediately made a payment. I was then told, by a different representative, that my account was already closed ( something that did not appear online via the customer portal ) - and the situation was escalated to higher support staff. The staff member informed me that they were creating a case that would trigger an investigation in which the previous call ( described above ) would be reviewed, and someone would contact me thereafter. After not receiving any correspondence, I logged into the online portal on XX/XX/XXXX and to my surprise, it read that my account was closed. I asked for information regarding the case, and was told that was inaccessible to the agents I have access to speak with on the phone. I was told another case was being generated and that I could expect correspondence in XXXX  business days. I received a call on XX/XX/XXXX informing me that my account was closed, no resolution, and that there were no other steps to take in this matter.

I was quite frankly lied to and made a payment under false pretenses and promises made to me by the representative I spoke to.

I was not previously notified my account was closed, or on the brink of closing, until the representative gave me the XXXX deadline- just to find out that was not factual. In my professional opinion, the payment was made under duress and false pretenses to ensure my account would be in good standing.