davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (AZ)

XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called XXXX posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " XXXX ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at XXXX who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' DIVERSIFIED CONSULTANTS INC ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?
Consumer complaint received 2023-08-29
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 (CA)

Hello, on XX/XX/23 I had lost my wallet and all my belongings inside of it. Inside, contained 2 of my US Bank Cards. I had not realized I lost my wallet until the day after on XX/XX/23. I began to look for it and I realized the next day I would not be able to find my wallet. Then, I had filed a police report that my wallet was lost, but it was too late. Whoever had my wallet went and proceeded to spend close to {$40000.00} on my credit card. I was so upset at US Bank as I never received ANY verification texts or calls to ask if it was me! Also, I am so disappointed in the merchants involved as they did not ask for any ID checks to match with the card, if they took those steps this would not have happened! I called US Bank to dispute these charges and they began to " investigate ''. Their investigation in my eyes was very hostile towards me. I provided every single piece of documentation they requested with no hesitation whatsoever. I feel that the investigation was done unfairly and with bad faith as they were not trying to protect their customer. They conducted that their investigation concluded that they will be denying the dispute, when I asked if they can send me everything through mail or in writing somehow they would decline and that if I had any further issues pertaining to the matter to SEND A LETTER TO THE PRESIDENT OF THE US BANK which sounded like a slap in the face to me. The case managers involved, XXXX and XXXX were ZERO help and very unprofessional. Their numbers are ( XXXX ) XXXX & ( XXXX ) XXXX. I have left countless voicemails with no returned calls, they have left me no choice. Attached will be all the necessary documentation. Thank you so much.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (VA)

I have been paying monthly to XXXX on a closed account however they sent me to collection agency anyway. I have not even received a bill from collection agency as of yet to even have info to send a payment and just paid {$100.00} to XXXX in XXXX. This collection agency calls me XXXX times a day using various numbers. I have spoken to them advised I had been paying an amount each month that I could afford although I am out of work due to illness. Agent advised the amount I was paying was not enough and they would continue to aggressively seek a higher amount. I 've asked they stop calling because I was aware and paying what I could. They advised they would continue to call everyday until I set up a payment plan that was significantly higher than what I can afford at this moment!
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Telerecovery Corporation (GA)

This account do not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Javitch, Block & Rathbone LLC (OH)

I am submitting this complaint regarding the ongoing lack of communication from Javitch Block, LLC concerning a debt of {$4100.00}. On multiple occasions, my attorney and I have made extensive efforts to reach Javitch Block to discuss a settlement of this debt, yet we have received no response to date. 

To provide context, I was served a summons from XXXX XXXX XXXX, with Javitch Block acting as their legal representative, for this debt. After multiple unsuccessful attempts at service, I retained legal representation, and on XX/XX/year>, we successfully quashed the service of process in court. Since then, my attorney and I have attempted to contact Javitch Block numerous times via phone calls, emails, and mailed correspondence in order to negotiate a settlement. 

Unfortunately, despite our clear willingness to resolve the matter, Javitch Block has not responded to any of our outreach efforts. The only instances in which we have received any form of acknowledgment from XXXX XXXX XXXX or Javitch Block have been when I escalated the matter through credit bureaus or by submitting formal complaints. This lack of response has caused significant delays in addressing this matter. 

I am submitting this complaint in the hopes of facilitating direct communication with a representative from Javitch Block, LLC to expedite a settlement process. I respectfully request prompt assistance in this matter. 

Thank you for your attention to this issue.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

NOTICE TO CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES & INTENT TO SUE AND WILL SUE PLAINTIFF : XXXX XXXX XXXX DEFENDANT : TRANSWORLD SYSTEMS INC XXXX  number : XXXX SUITCASE XXXX XXXX XXXX XXXX Washington XXXX PA RE XXXX ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$870.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX TRANSWORLD SYSTEMS INC STOP VIOLATING THE FDCPA XXXX XXXX EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I XXXX TURN THE MATTER OVER TO A CONSUMER ATTORNEY. XXXX XXXX XXXX XXXX XXXX Beneficiary OF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE
Consumer complaint received 2024-10-30
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I had signed a contract for a XXXX interest free period with a Citibank third party ( Home Depot/ Statewide ). I had asked Citibank to listen to the recording and verify that I had infact signed up for a 24 month interest free loan. The mistake was made by the XXXX XXXX when they signed me up with Citibank ( or a booking error by XXXX ). I truly feel wronged about being charged interest after XXXX months due to an internal mistake between Citibank XXXX parties. Very unethical to say that this is my problem just because I did not check my statement earlier and call to rectify it. It should be quite simple for Citibank to listen to the call in which the contract was made and verify that the interest-free period is for 24 months.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

WE PURCHASED AN OVEN FROM THE LOWE 'S XXXX STORE IN XXXX 2016 AND OPENED A CREDIT CARD ACCOUNT TO GET AN EXTRA 5 % OFF. 
They delivered the wrong oven & returned it to there store in XXXX Florida. 
We never received any goods ( oven ) or services from Lowe 's so we cancelled the oven on XXXX XXXX, 2016. They are now, Lowe 's credit, sending me a bill for {$180.00}. Again, we never received any goods or services ... just frustration in trying to get the oven we ordered. We called Lowe 's Corporate offices in North Carolina but they advised it was a store/credit issue and they would not get involved??? 
So, we had no oven for XXXX, only frustration and now they want us to pay for something we do not have and never had..
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2016, I called synchrony bank responding to a settlement offer. At this time I was advised that I was approved as a settlement of XXXX broken into 3 payments in the amount of {$76.00}, due XX/XX/2016, {$76.00} due XX/XX/2016 and a final payment of {$78.00}, due XX/XX/2016. My first payment cleared without any problems, however my second payment was not deducted out of my account as advised. I called synchrony bank and was advised that my payments were not set up this way. The representative apologized and set the payment up to be deducted and then I requested to speak to a supervisor to ensure that the settlement offer was still going to stand. I was put on the phone with XXXX and advised that a complaint was being entered on my behalf. My complaint number is XXXX. I was advised this complaint will show that I was advised that payments would come out of my account automatically. I was advised to call back two days after the payment posted to ensure that my account was still in the settlement department. The payment was made XX/XX/2016. I was also advised to set up the third payment at which time I asked whether the settlement would still stand. I was given a vague and and informed that I did n't want to make the payment if synchrony was not going to honor the agreement. The third payment was dudcted from my account on XX/XX/2016 automatically. When I called in to inquiry about my settlement letter, I was informed that the account had been charged off and settlement was defaulted on XX/XX/2016, 7 days previous to the last payment. Synchrony voided the arrangements which in turn they should not have been collecting any further monies from me on an agreement they voided and they did on XX/XX/2016. I was advised that there was notification mailed to me. The supervisor XXXX said their was nothing she could do and would update the complaint number listed above. I was told to wait another 45 days for a resolution to be made when one had already been made on XX/XX/2016 when I was considered in default over ther error and reported to the credit bureau as a charge off.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

To Whom It MaXXXX Concern : Pursuant to the XXXX Fair Debt Collection Practices Act ( XXXX XXXX XXXX ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This is a fraudulent account, and i have identity theft report and a official police report In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under XXXX law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely,
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To whom this may concern. 

I recently received a copy of my Experian XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXX XXXX  ACCOUNT NUMBER : XXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( XXXX ) In accordance with the written instructions of XXXX whom it relates. 

Did I give you written instructions to report this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between XXXX thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1993 SS # : XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to request your intervention in a matter concerning violations of consumer protection laws and the improper reporting of unverified accounts on my credit report. I believe my case exemplifies the urgent need for enforcement of these laws to safeguard consumers like myself. 

XXXX XXXX Account Number : XXXX Violations : Violation of FCRA Section 611 ( Procedures for Reinvestigation of Disputed Information ) and FCRA Section 623 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) The account name and number associated with the above account have raised concerns about the accuracy of the reporting. Despite my diligent efforts to seek clarification from the creditor, no resolution has been reached. This has resulted in a significant negative impact on my creditworthiness, affecting my ability to secure loans and housing. 

XXXX XXXX Account Number : XXXX Violations : Violation of FCRA Section 605 ( Requirements relating to information contained in consumer reports ) and FDCPA Section 807 ( False or Misleading Representations ) The account in question, belonging to " XXXX XXXX, '' has proven unrecognizable to me. I have undertaken thorough investigations to determine its legitimacy but to no avail. This lack of verification has cast doubt on the accuracy of my credit report and has hindered my financial prospects. 

These violations not only infringe upon my rights as a consumer but also have tangible repercussions on my life. Allow me to share a deeply personal story that underscores the emotional toll of these inaccuracies : [ Share your personal story here, detailing how the inaccuracies on your credit report have affected your ability to secure housing, obtain loans, or pursue other life goals. Emphasize any emotional stress, frustration, or challenges you've faced. ] In light of the above, I earnestly request your intervention to enforce the legal rights afforded to consumers under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). Specifically, I request that you compel the creditors to promptly investigate and rectify these violations by removing the unverified accounts from my credit report. 

I appreciate your attention to this matter and the invaluable role you play in safeguarding consumer rights. I kindly request that you keep me informed of any actions taken to address this situation. Please feel free to reach out to me at [ Your Phone Number ] or [ Your Email Address ] for any further information. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This is a fraudulent account, and i have identity theft report and a official police report In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission.

Thank you for your attention regarding this matter.

Sincerely,
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

" NewRez '' took over my loan from " XXXX XXXX '' effective XX/XX/XXXX with 2 weeks notice. I had already scheduled my XX/XX/XXXX payment. XXXX XXXX transferred my account minus the XXXX payment that doesn't clear my little local bank until the XXXX. They showed that I was a month late. Subsequently, with other correspondence the verified that they received and credited this payment to my XXXX payment due. 

Currently, they are trying to show TWO DIFFERENT DUE DATES : their " CONTRACTURAL '' DUE DATE AND THE STATEMENT DUE DATE. This is not right. 
I am current on all payments even though I went through a XXXX XXXX Bankruptcy. It was discharged in XXXX, 2023 as stated by the letter of XX/XX/XXXX from NewRez. At that time the Trustee stated emphatically that all due amounts ( including those certified as paid by " XXXX XXXX '' ) were current. 

It is my belief that with NewRez trying to show that new ( unwilling ) customers are paying a month behind that in the end of the term homeowners will end up making an extra payment on their loans. 

You can not be current and then suddenly a month behind.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For last 3 years i have been contacting XXXX XXXX XXXX XXXX XXXX to stop reporting on a closed account and the account is not my account to delete off my credit file i owe nothing to this bank they keep updating inaccurate information which continues to cause harm to my credit file.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have proof in phone records that USAA collection department called me less than 5 minutes apart about a credit card payment due. The two that I spoke with stated that I was 33 days late. I was only 10 days late. I 'm very disappointed is the call. Usaa is suppose to be a good bank for military.