davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (AZ)

Re : Dispute of Debt Account # XXXX To Whom It May Concern, I am writing to dispute the validity of the medical debt referenced by account # XXXX, which National Recovery has recently attempted to collect. This debt has been sold and resold multiple times over the last six years, and I have previously disputed it with other collection agencies. I maintain that this debt is not mine. 

Please be advised of the following points : This is not my debt, and I have repeatedly disputed it with previous debt collection agencies. 
The continuous selling and reselling of this debt raises concerns about its accuracy and legitimacy. I believe that this debt has been improperly handled and should have been resolved long ago. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I request that National Recovery cease all collection activities and provide me with written documentation that proves I am legally obligated to pay this debt, including the following : The name of the original creditor. 
A detailed explanation of the debt, including the original amount and any fees or interest added. 
Proof of assignment or sale of the debt to National Recovery. 
If you are unable to provide sufficient proof of the validity of this debt, I request that you immediately stop any further collection efforts and remove this account from any credit reporting agencies to which it has been reported. Failure to do so may result in me taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please treat this as a formal dispute of the debt, and respond to my request in writing within 30 days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NJ)

Urgent Assistance Needed with Sallie Mae Student Loans I am reaching out to report ongoing issues with my Sallie Mae student loans, which are about to go into default on XX/XX/year>. Despite multiple calls to Sallie Mae, I have encountered significant challenges in resolving my situation. 

XXXX. Dates of Contact : - I have called Sallie Mae several times in the past few weeks ( specific dates N/A ) to discuss my loan status.

2. Actions Taken : - During these calls, I requested an additional forbearance period, explaining my current unemployment status and inability to make any payments. Unfortunately, I was informed that they could not grant me another forbearance.

- Sallie Mae has offered lower payment options ; however, even these reduced amounts are still unmanageable for me due to my lack of income.

3. Account Status : - My loans are currently set to go into default in two weeks, and I am deeply concerned about the implications for both myself and my grandfather, who cosigned the loans. 

4. Desired Resolution : - I am seeking assistance in obtaining a forbearance extension so I can continue my job search without the pressure of defaulting on my loans. 

I appreciate your attention to this urgent matter and look forward to any assistance you can provide in resolving this issue. 

Thank you.
Consumer complaint received 2024-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC. (CA)

RE : Ally Financial XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I cosigned for a car loan for my daughter who also is on this debt and she has been paying off this loan for 2 years. In XXXX, XXXX  my daughter had a horrible accident and by XXXX, XXXX she couldn't work so went on XXXX ( which she is still on because her company refuses to adhere to the labor laws concerning her abilities to work remotely ). Since that time she has tried to contact Ally to explain delay in payments. I also did the same. We couldn't get into her account via computer and when we called we would get an automated message or if by chance we got an actual person he/she were extremely hard to understand because of a very thick accent. When we would ask to speak to a supervisor they would hang up. Finally in XXXX, XXXX  I reached someone whom I could hardly understand however continued to get information and give my credit card to them to pay the past due amounts. They never told me that it wasn't going to be a charge on my card but was charged as cash advance. I was then charged by my credit card company over {$78.00} for fees and interest paid on a daily rate which continued to this month. I received a call from XXXX from Ally while working one of my XXXX jobs, so I couldn't answer. When I followed her message on how to reach her- call XXXX XXXX number ; then hit opt. XXXX, then opt XXXX, then an extension I got a person and started to give them the extension and they hung up. I did this twice with the same results. My daughter had auto pay however with XXXX she knew that wouldn't work and tried to let them know and cancel it to no avail. My daughter tried to reach someone again about the next payment online it said we owed {$1300.00}. Once again we couldn't get anyone to figure out why this was happening. My daughter assumed they wanted XXXX Payment also. However that would only add up to {$1200.00} not {$1300.00}. I own a business and when my husband was alive we owned a business together. Neither one was run so poorly as this financial company is run. I would like to know what my options are since they have ruined my credit rating ( in XXXX, XXXX  it was XXXX, today it is XXXX ) and I can't even get another loan to pay this off and start fresh.
Consumer complaint received 2024-11-02
Product: Credit 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: U.S. BANCORP (ME)

Purchased a part on XX/XX/XXXX. 
Returned part on XX/XX/XXXX. 
The part company said that they were going to issue a partial credit and keep a restocking fee. I spoke with two people at the part company who refused to return the full amount ( without the restocking fee ). I originally disputed the restocking fee on XX/XX/XXXX with US Bank because I was not informed of it. I gave all information and who I talked with on XX/XX/XXXX to US Bank. At that time I was not provided with a return slip from the part company. US Bank originally refunded the full amount. Then on XX/XX/XXXX reversed the full refund amount. On XX/XX/XXXX I found out about the reversal because I received a letter. I called in to customer service at US Bank and they said they needed more information but only asked me two questions that I had already answered. They also told me to call back on Monday XX/XX/XXXX, so I did. I was then informed on XX/XX/XXXX that they needed something on paper and signed from me which I didnt know before then. I thought the information I had provided, like who I spoke with at the part company and when and all the other information, was enough. So then on XX/XX/XXXX I went to the part company and demanded either my part or proof of return. After some arguing they agreed to give me a proof of return. They provided me with an invoice that had the partial credit amount ( minus the restocking fee ). I provided that and the original invoice and signed papers to US Bank on XX/XX/XXXX. On XX/XX/XXXX US Bank said that the invoice showing the credit amount was not proof of return. They refused to tell me what would be proof of return. The part was returned in person. US Bank is refusing to provide me with all documentation used in their consideration despite their letter saying I have a right to request it. US Bank has also not contacted the part company or their bank at all.
Consumer complaint received 2024-10-30
Product: Credit 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: GOLDMAN SACHS BANK USA (CO)

I made an AirBnB purchase with my Apple Credit Card and did not receive the service as described from XXXX. I captured video, pictures, and information from XXXX to build my case and submitted it to Apple. The first time I submitted my charge back they did not classify the type of dispute correctly. I then had to speak to someone on the phone to get it all corrected. I was then declined again on my dispute and when I asked for more information they gave a blanket statement of evidence does not support the action. I then closed my account and paid the amount due because it felt incredible frustrating dealing with the customer service agents and trying to get more information from them. They are not protecting their consumers from fraudulent companies.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (TX)

This vehicle was paid off on XX/XX/XXXX ( please see reports ). The term date was XX/XX/XXXX, and in XX/XX/XXXX, they say I owe XXXX. This balance was from XXXX XXXX years ago. XXXX months ago, I asked Lincoln for All the paperwork, but I have not received anything. This is not effecting my loans drastictly. If you see also loan was paid 0 times late for XXXX. attached you will see they sent me title loan was paid ended in XX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Subject : Formal Complaint Regarding Fraudulent Hotel Booking through Capital One Travel Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a travel booking made through Capital One Travel that I believe constitutes a fraudulent transaction. 

On XX/XX/year>, I used the Capital One Travel app to book accommodations at the XXXX XXXX XXXX in XXXX, GA, following widespread damage caused by Hurricane Helen. Despite several 3-star and above hotels showing unavailable due to the hurricane, this 2-star hotel was listed as available. After encountering issues completing the booking on the app, I contacted Capital One Travel directly, and an agent booked the hotel for me at a total price of {$200.00} ( Capital One Confirmation Number : XXXX ) for the dates XX/XX/XXXX to XX/XX/year> ( Hotel Confirmation Number : XXXX ). 

Upon arriving at the hotel, it became immediately apparent that the hotel could not provide the services for which I had paid. The building had no power, the parking lot was empty, and groups of people were standing outside. It was clearly not a safe or operational facility. I requested a refund from Capital One Travel, but I was informed that the booking was nonrefundable, and the hotel refused to issue a refund, despite being unable to render services. 

I believe this incident reflects both negligence on the part of Capital One Travel and fraud on the part of the hotel. The hotel knowingly accepted a booking despite its inability to provide basic services, and Capital One Travel failed to inform me of the nonrefundable nature of the booking and did not take adequate steps to ensure the hotels ability to fulfill its obligations. 

I respectfully request your assistance in resolving this matter and ensuring that other consumers are protected from similar situations in the future. I am seeking a full refund of the {$200.00} paid for this fraudulent transaction. 
Thank you for your attention to this issue. 
Sincerely,
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. the following accounts, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number XXXX
Consumer complaint received 2024-09-28
Product: Credit 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: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX i noticed a charge i did not make on card # XXXX called bank was told to cut up card. new one arrived. no problems for a week or so then saw the same charge back on my new card # XXXX called bank and was told there was a problem and card # XXXX was being sent.card # XXXX was sent to XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX on XX/XX/XXXX there were XXXX charges totaling XXXX these charges were made in person in michigan. within the hour of these charges being made i was in a truist bank in XXXX ga. I DID NOT MAKE THESE CHARGES. my online banking was hacked and all my info was changed so the bank sent my new card # XXXX to michigan. XX/XX/XXXX truist investigation determined that since the chip card was present at the locations in michigan they denied my claim and have charged me intrest and late fees. my balance now is XXXX my credit score has dropped XXXX points and have have collections calling me. i want someone at truist to get to the bottom of this and clear my balance and fix my credit. These charges were removed from my account on XX/XX/XXXX and i thought that was the end of it.I had no communication with them until my credit score went down and i logged on to my account and the charges were back on there with intrest and late fees. I received a letter in the mail dated XX/XX/XXXX this was my first contact since i thought my acconnt was clear. I have never had any problem with Truist bank before and the people at the bank have been real helpful but who ever they report to have dropped the ball on this case.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION (NC)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. VYSTAR CREDIT UNION XXXX
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

Several months in a row, my payments were applied to a promotional 0 % APR balance instead of the higher 27.74 % interest balances. It is understood that my minimum payment will go to these promotional balances first, but the remainder of payments should be applied to higher interest rate balances next. CFPB should be made aware of these practices and inaccuracies with customer 's balances. Each call to correct this takes approximately 30 minutes of mine and several customer service representatives time, and it is not appropriate to apply payments in this manner to allow higher interest to accrue. Spoke with Supervisor XXXX in XXXX XXXX location on XX/XX/26 who assured me that although the current " Interest Savings '' balance online was {$1600.00} lower than the balance on my XXXX bill, that the correct balance would show on my NEXT statement at month end. Even if this was true, it does not provide me with an accurate accounting if I wanted to make additional payments on my card and avoid paying more on my negotiated " Interest Savings '' rate. Plus it will require ANOTHER call after month 's end.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute several unauthorized credit inquiries that appear on my TransUnion credit report. I do not recognize or authorize the following inquiries : 1. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Contact Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  : ( XXXX ) XXXX These inquiries have negatively impacted my credit score, and I would like to request their removal. Please investigate these inquiries and remove any that can not be verified as authorized by me.