davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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)

Upon reviewing my credit report, I discovered unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Portfolio Recovery Associates ' failure to validate a debt I requested information on. I submitted a debt validation letter, per my rights under the Fair Debt Collection Practices Act ( FDCPA ), seeking detailed information about the alleged debt in order to determine whether it is legitimately mine. 

However, the response I received from Portfolio Recovery Associates did not provide sufficient information that would allow me to assess whether I owe the debt. They have provided generic documentation without including the necessary details such as the original creditor, account history, or any signed agreement demonstrating that I am responsible for this debt. This lack of adequate information hinders my ability to validate the debt and has caused unnecessary delay and confusion. 

Furthermore, it appears that Portfolio Recovery Associates is using delayed tactics to prolong this process without providing any meaningful resolution or transparency. This is not only a violation of my rights under the FDCPA but is also causing undue stress and frustration. 

I respectfully request the CFPB to investigate this matter and hold Portfolio Recovery Associates accountable for their failure to provide proper validation of the debt. I seek assistance in ensuring they comply with legal requirements by providing the necessary documentation or ceasing further collection efforts if they can not validate the debt. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-09-11
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: NCC Holdings, LLC (IL)

I noticed several inquiries on my credit report, some reported by the same company more than once. I called half of them starting on XX/XX/2023. I asked why the inquires were placed on the report, and asked what the inquiries was regarding, they would not provide me with the information. I then asked to speak with a manager regarding these cases, they would not provide me with a phone number. I then called again on XX/XX/2023 but I didn't get an answer from 5 of the companies. I did speak to XXXX, XXXX and XXXX from 3 of the companies and XXXX said he would give me a call back. XXXX call somehow got dropped and XXXX told me a representative would get back to me in 5 business days regarding this matter.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NJ)

I recently received a notification from the law firm Rubin & Rothman , LLC ( NJ Attorney : XXXX XXXX id # XXXX ). In regards to a debt that is over 10 years old ( over the collection statute for the state of NJ ). ( Copy of documents enclosed. ) I was never sued by this company ( to my knowledge ) however, I received a letter stating that they are going to contact my employer and garnish my wages. The letter does not mention the supposed total amount due, The title is listed as Notice of Application for wage Execution. 

Previously, I worked with a company to repair my credit ( 3years ago ) and had all the old / outdated information removed. XXXX ( the original company ) was removed because it was well over the 7 year reporting mark. 

Ive never received any correspondence in regards to being sued or any judgment being issued to this collection agency on behalf of XXXX XXXX. 

Please help I am a XXXX XXXX XXXX veteran and this is really troubling me. XXXX not sure why this company/attorney is harassing me for a debt that is no longer valid.
Consumer complaint received 2024-09-14
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: CORELOGIC INC ()

On XX/XX/year> I checked XXXX XXXX and saw that there was a hard inquiry on my XXXX report. 

A dispute was filed on XX/XX/year> with XXXX. 

XXXX XX/XX/year> I was informed that the inquiry was valid ; However, I have not applied for any new loans, credit cards, etc. 

The company listed is : CredcoXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (IL)

Disputed the collection and ask the company to provide any information to prove its me the person who obtained the credit card like me holding ID to prove its me who applied for the credit card or through third parties who identified the person and since then they ask for police report which I told them I dont have one since the u received over 25 different numbers from them and some of those I was in meetings and cause me aggravation and Disturb
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I was simply checking my credit score and found multipal credit enquiry has been done in past which was not done from my end, more over there is two inactive credit cards account on my pan which is in deflated. Kindly check it and get it fixed as I have never applied the same.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Credit Control, LLC (FL)

Im writing to formally dispute unauthorized access to my credit report under15U.S.C1681of fair credit reporting act.Upon reviewing my recent credit reports, I noticed that CREDITCONTROL, LLC accessed my credit information without my written consent.As per the FCRA, a creditor or entity must have my explicit written permission to obtain or furnish information under certain conditions.I have never provided CREDIT CONTROL LLC with written authorization to access my credit file or to furnish my personal information to bureaus .THIS constitutes a violation of my rights under the FCRA Reference # XXXX and # XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IN)

XXXX is reporting a trade line that is not mine. It is an account previously owned by another consumer and included in bankruptcy in 2018. I was an authorized user at one time and they keep reporting this and the balance. I am not an authorized user and I dont own this account.
Consumer complaint received 2024-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (AL)

On XX/XX/XXXX, I requested loan documents from Fay Servicing. The account portal has a tab that says loan documents but there are not any documents attached. The enforced insurance information is also not available. There is not a payment history on the dashboard and can not tell who and when a payment was made. The same with statements. Statements do not reflect how a payment was made or when. The response I received from them was that an attorney was handling the mortgage and they needed the attorney 's permission. I am in bankruptcy but my lawyer has provided them several times with authority to speak to me and the Bankruptcy Judge has also ordered that they must speak with me. Fay Servicing is also not reporting information correctly. My husband and I applied for a mortgage loan in XXXX together and should contain reports to both of our social security numbers however, they are only reporting interest payments to my husbands. I have paid over {$50000.00} in arrearages through bankruptcy and Fay continues to try to collect on them. Fay Servicing will not communicate effectively or provide documents.
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (NC)

I opened a business bank account with chase, have been using the account for weeks now. I sent my first invoice for work using the quick pay system that I had added through chase to my business account. The customer payment process and has a confirmation number yet the funds are being held by chase and my account was deactivated yet they will not tell me why or any other i formation. Outside of I have to go appeal the decision. Even then I can not get the funds nor will they return them to my customer.
Consumer complaint received 2024-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/year>, at the behest of Bank of America we applied for a HELOC in the am't of {$35000.00} with an initial loan rate of XXXX percent for XXXX months rising to XXXX percent after that. The B of A over a recorded line promised us if we were turned down we would within XXXX hours receive a phone call from a senior XXXX ( their words ) who would help us get the favorable loan rate we were seeking. My husband has a forty year relationship with B of A and has never declared bankruptcy or had any other problems paying his loan obligations. B of A sent us a form rejection notice declining to provide the HELOC because we were ineligible for it. They never called us to arrange a loan at the promised am't and in fact the best they were prepared to offer us was a loan at about 30 % p.a. 

We went to considerable trouble obtaining all the financial information they requested, putting aside other pressing business over a two-week period. The only result that we got was a mysterious offer out of the blue from a company we never heard of for {$34000.00} but it required us to go through the same arduous process to get a loan and that would be at an unknown rate. 

Had the B of A not under false pretenses, and at their initiative ( we only applied after they sent the materials for the XXXX loan unsolicited ) importuned us to apply for this loanwe would have gotten a very good offer from a competitor by applying for a new credit card with that firm. B of A engaged in this abusive behavior we maintain because it is an outgrowth of the " annihilation by work '' culture at the bank documented in excruciating detail by the XXXX XXXX XXXX in their edition of XX/XX/year> in a signed article by XXXX XXXX. This article is online and shows that the annihilation by work ethic is deeply ingrained despite written policies forbidding it and has resulted in at least XXXX death of a highly compensated young investment banker and multiple cases of life threatening cases of exhaustion and nervous disorders. XXXX spoke to over XXXX dozen people either currently employed by the Company or formerly with it showing that the " annihilation by work '' culture is of long standing, probably affects other large banks and financial institutions, and is not confined to the XXXX.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (WV)

The debt was originally sold to XXXX XXXX by XXXX XXXX. I settled the debt collection for {$1200.00} and now Jefferson Capital systems placed a collection on my credit for the difference between the original amount and the {$1200.00} I settled for. I tried to dispute on XXXX but it did not fix the situation. I still have the receipt from the debt settlement.
Consumer complaint received 2024-09-11
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: TD BANK US HOLDING COMPANY (CA)

my wallet was stolen on XX/XX/year>. Since then I have various hard credit inquiries that I did not initiate on XXXX Credit report.. XX/XX/year> from XXXX XXXX and XX/XX/year> from Target. I would like these fraud inquiries removed from my credit.
Consumer complaint received 2024-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KS)

Jefferson Capital has repeatedly removed and re-added a collection account from my credit report, despite my numerous disputes. On the week of XXXX XXXX XXXX, I contacted Jefferson Capital to resolve the debt, and a representative informed me that the debt was not legitimate. However, she suggested I make monthly payments to their company to have the account removed, which seemed unusual. In response, I sent my own dispute letters on XX/XX/year>, but I have not been provided with proof of the debt. Jefferson Capital claims I owe {$1000.00}, but no verification has been provided. I request a thorough review of the handling of this account, legitimate proof of the debt, and correction of the repeated changes to my credit report.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/year> at XXXX XXXX, text message received from the number XXXX stating the XXXX account is at risk for charge off. It states to make a payment of {$89.00} or more to avoid charging off. There was no communication regarding a repossession. When logging into the account at XXXX XXXX  on XX/XX/year>, the XXXX was completely removed from the bridge crest app, leaving us no way to make that payment like we do the previous ones. The car was taken from the parking lot at midnight on XX/XX/year>. A payment of {$150.00} was made on XX/XX/year> with a confirmation number of XXXX. I believe there was no attempt made to resolve this issue, when calling to find out information regarding the vehicle we were then transferred to the reinstatements department. I was told the amount is owed in full, with no option to make a past due payment to receive the car back. The amount that is being asked to pay by the XXXX of XXXX is XXXX. The amount reported on my credit is {$6300.00}. They have left my family without a vehicle to get the kids to and from school. They are rude and transfer you without any concrete answers. The amount reported each month to the credit bureaus are inaccurate, they report late and the report the charge off within one week but cant report an on time payment within 30 days. They have reported this to the bureaus leaving a credit hit on the account. They are notorious for doing this to others and I need your help to remove this from the credit agencies as well as holding them accountable for being able to do a charge off the way they did. The vehicle was purchased through XXXX and bridgecrest is who the loan is with.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (ID)

about four months ago i payed off my XXXXXXXX XXXX XXXX through US bank in full online got my confirmation number copied and pasted the pay off page and conf # and saved it in my computer so figured the card was paid off three months later after hearing nothing they said i owed another XXXX dollars and change and there was late fees so now it was up to XXXX dollars by the time i received a final notice, so i called them and got them to drop the late fees off about a month ago and i gave my checking and routing number and payed the so called balance that i didnt pay, wotch i have proof that i paid in full anyways another month goes by and i get another final notice for the XXXX dollars so i called again by this time im angry they told me that i gave them the wrong check acount number and it still wasnt paid so i gave my ch acc # and ro # again and paid it off again today, i gave the correct info this first time right off of my bank app i guess they typed the wrong numbers in the first time which dings my credit each time all i want is this stupid card payed off, there employees are incompitent, i payed i today again i am hoping it finally goes through i swear its some type of interest scam that they charge interest on a payed off card i want my late charges fixed and i want US Bank repromanded i beleive either they are dis honest or in compitent why did i not receive a call or my bills for months
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/XXXX I checked my credit with all 3 credit bureaus, and I saw there was a collection account from XXXX XXXX opened on XX/XX/XXXX. I immediately disputed the collection account along with an address that the credit bureau told me was linked to the collection account of XXXX XXXX. To wait for the investigation to provide results. Meanwhile I called XXXX directly and also disputed the fraudulent account and they instructed me to file a police report and submit proof of address at the time of the incident and to upload to the fraud department. XXXX also provided me with the Debt collection agency that took over the account name : Sequinn Asset Solution ph : XXXX in which I have called several times and no answers the phone. I did all of that on Monday morning, and by Monday evening and Tuesday morning, I received XXXX emails from XXXX stating they had completed their investigation and found that I am not responsible for those charges and account and to send this letter to the credit reporting agencies. When I reached out to the credit reporting agencies they stated they do not use email letters as proof. Later in the evening I did receive an email from XXXX and XXXX stating they removed the address but that the Collection account is mine. And did not want to accept the letter I received from XXXX emailed. I called XXXX to request the letter faxed and or mailed to my home they stated they do not mail any letters, only email.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX. I attempted to transfer {$6000.00} to my external account. Not to mention Ive had this account for over one year. On XX/XX/XXXX I was surprised to find that my account was restricted due to the activity. I contacted synchrony immediately via chat which i have uploaded the transcript. They wasnt able to assist and advise to contact customer service. I did that and was told to upload documents to verify my address. I was told to allow 2-3 for an update. I called back on the same day to verify if they received my documents and was told no. Another representative provided me an email address to send my documents. I sent them immediately. The next day on XX/XX/year> I called and was told the documents was received and to allow another 2-3 business days. Im upset that I have to continue to wait on my funds thats i worked hard for. I have bills that need to be paid. I need assistance AsAp.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my American Express XXXX  XXXX XXXX Card, which I applied for under an offer that provided XXXX bonus points after spending {$15000.00} within 12 months. I have met the spending requirement, yet I have only received XXXX points instead of the full XXXX as promised. 

I have reached out to American Express regarding this issue, but the discrepancy remains unresolved. I believe I am entitled to the remaining XXXX points as part of the offer I signed up for. 

I am requesting the Consumer Financial Protection Bureaus assistance in helping me resolve this matter and ensuring that American Express honors the full offer as initially advertised. 

Thank you for your time and attention. I look forward to your help in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

This is my second time have to make a complaint due to issues with the store credit card payment for my XXXX XXXX XXXXXXXX XXXX  serviced by td bank. I have set up auto pay on multiple occasions and there were issues with the site. After my initial complaint the issue was resolved and auto pay was set up. Then a few months later all of my information was removed from the site and there was no record of the auto pay I had set up or my stored bank account information. Because of this payments were missed and I received late fees and hits to my credit score. This is the most poorly run company I have ever dealt with and I will report their unfair and deceptive practices to every possible outlet until this is rectified.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AL)

I opened an account with Citi bank a few days ago and they claim that Ive violated the terms of my account but I havent used it since I opened it. I dont even have my debit card yet and they wont give me a reason why its closed
Consumer complaint received 2024-09-14
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

CURRENT LOAN SUMMARY CURRENT LOAN BALANCE : {$15000.00} INITIAL LOAN AMOUNT : {$36000.00} APR : 15.97 % PAYMENT SCHEDULE NEXT PAYMENT : {$790.00} Auto-Pay on XX/XX/2024 LAST PAYMENT : {$790.00} Auto-Pay on XX/XX/2024 This is from XXXX XXXX. We have tried for two years to talk to someone. We cant. Even emails go unanswered and now the phone is disconnected.