davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Associates , XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports.

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt.

2. Remove the debt from all consumer credit reporting agencies where you have reported this information.

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA.

Please confirm your compliance in writing within 30 days of receiving this notice. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

XX/XX/year> a dispute was submitted to USAA Bank regarding disputed charges for merchandise purchased from XXXX. XXXX, merchant refuse to issue a return for defective merchandise purchased. Items were dame and incorrect size and very poor quality. Amount in question were {$110.00}. USAA issue credit, however reversed the credit. We provided USAA with purchase documents and a statement regarding our claim. We provided emails documents we try with merchant to resolve the matter but refuse to issue an authorized return.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

I am writing regarding the account. Please be advised that I am unwilling to pay toward this account. I recently applied for a mortgage and was denied, I sent serval letters asking and informing you that this account is no longer disputed by me. My XXXX  XXXX says that I will be denied because of this. I currently have a XXXX with XXXX XXXX with XXXX and a XXXX with XXXX. With those score I am able to qualify for first time buyers and other programs regards of collection just can't be in dispute. I know it may not mean much to you but it means a lot to my family. I've been disputing this account for the past 3 months with no proper documentation received or notification of such debt. My husband has now lost his job and the apt we have no cost way to much. 
I was hoping to be in a house of my own it would've been cheaper than renting if you knew anything about living in XXXX XXXX. But not only that, you guys are duplicating the account XXXX for {$770.00} and XXXX for {$2200.00} making it seem as if I have XXXX collections with you guys and when in fact I only have XXXX. This is deceiving to me and other creditors when they pull my report. Fix it please.
Consumer complaint received 2024-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (AZ)

I noticed an invalid collection on my account. I sent emails and certified mail to the collections agency and the credit bureaus. It has been more than XXXX  days. And they have failed to provide me with a validation of debt. This debt is reporting false information on my credit report.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

I was using cash app as a XXXX transfers and payments for my XXXX I'm trying to start up and I regularly used Cash App for almost 2 years and never had any issues I had deposited a large amount of money then I was notified by Cash App that my account was restricted and that my features would be limited in the app and my money was taken from my account without my permission and not replaced and I contacted Support and they gave me no help and they told me that I violated their terms and uses which I have not done
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

In XXXX I opened. a Wells Fargo account. I started getting all kind 's of overdraft charges. I specifically told the banker that I don't want overdraft service. I remember having paid over XXXX dollars in fees and not to mention them closing my account for owing fees on services I never approved, or asked for. I couldn't get a bank account after that for 7 years! 
It messed up my credit score and i'm still affected by them. I was in good standing and they really screwed my life up! It didn't stop with them closing my account. They also slandered my credit file. Resulting in many lost oppertunity in life. It's resulted ultimately in me suffering mentally also from low self worth.
Consumer complaint received 2024-09-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Collection Systems, Inc. (WY)

They contacted me via the mail about having a debt and tried to take a garnishment out. I reached out to get proof of the debt which I was never provided. They called, mailed and served my employer with court documents saying I owed this debt. My employer refused give out information as they believed it to be a scam. They then went and filed a court case to have my employer now with a judgment that they owe for legal fees as they refused fill out any information about myself as they had no proof of the debt.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/year>, I booked a hotel in XXXX for XXXX XXXX XXXX  via American Express Travel XXXX The total cost for the booking was {$280.00}. After booking, I found a lower rate of {$40.00} less on XXXX for the same hotel and stay dates. Trip ID : XXXX. 

I submitted a Lowest Rate Guarantee claim to American Express Travel. Despite providing a valid screenshot showing the lower rate, my claim was denied on the grounds that the XXXX rate was a membership rate. 

This response is incorrect. The rate in question was the XXXX XXXX XXXX XXXX, which is publicly available to anyone who signs up for a free account. There are no exclusive conditions, paid memberships, or special affiliations ( such as military or corporate discounts ) required to access this rate. Therefore, this rate meets the criteria for online rates available to the general public, as outlined in American Expresss terms.

I have made several attempts to explain this to American Express Travel and even escalated my request to a supervisor. However, they continue to deny my claim, despite their failure to demonstrate that the rate I found violates their stated terms. 

Dates and Actions : 1. Date of Booking : XX/XX/year> XXXX. Amount Paid : {$280.00} XXXX. Lower Rate Found on XXXX : {$40.00} less 4. Claim Submission : XX/XX/year> XXXX. Response from American Express Travel : Denied claim on the grounds of being a membership rate ( multiple responses included in email thread ) 6. Escalation to Supervisor : Also denied with the same reasoning.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (AZ)

I paid off the loan on my car. I have written confirmation that the lender received the payment. When I accesssed my account online, howevr, it did not show the account as paid off. Mercedes Benz Financial Services is also still reporting the account as a current account on the credit report. I called to ask, therefore. when the account would be updated, because it is preventing me from getting a new car loan. The initial operator with whom I spoke knew nothing about payoffs. So, I asked to talk to a manager who could help me with my issue. Instead of doing that, the operator transferred me to someone who handles monthly payments. I then requested to speak with a subject matter specialist in the area of payoffs. I was told that no one was there any longer who could talk to me because it was after XXXXXXXX XXXX It was only XXXX XXXX. my time, and if the operator had not ignored my request to be put through to a specialist during the first 15 minutes of the call, it wouldn't have been after XXXX. Then, as if by magic, my call was transferred to someone who did seem to actually know something about payoffs. Unfortunately, however, he was unable to help too and put me through the paces unecessarily. Ultimately, he told me that he could get back to me by Thursday. It was Monday, and there is no reason why I should have to wait four days to hear back from someone -- someone who may not be taking care of the problem either! When pressed, he admitted that it would take 4 days because he was going on some type of work pause until then. When I protested about that, he told me that someone would call me on Wednesday. I have absolutely no idea why it takes several days for this finance company to get bck to customers, esepcially when the inaccuracy of their records is preventing a customer ( me ) from obtianing another loan. 

This is the second complaint that I have had to file against this lender in less than a week. This lender should be investigated thoroughly in my view for their gross untimelliness in resonding to borrowers ' reasonable requests for information about their loan/account.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I attended XXXX XXXX XXXX in XXXX and I borrowed a direct loan in the amount of {$15000.00} at 6 % annual interest which was disbursed on XX/XX/XXXX. Navient was the loan servicing agency. After the grace period I started paying a monthly of {$170.00} which was higher than I could afford. At that time I was a XXXX XXXX XXXX and was not working. However, Navient placed me in this high cost plan and I paid each month from XX/XX/XXXX through XX/XX/XXXX. No way they would accept a more affordable repayment plan. 
The form XXXX ( XXXX ) shows that NAVIENT received {$1700.00} in interest only during XXXX. 
On XX/XX/XXXX I received an email showing unpaid principal {$13000.00}. How did XXXX  apply my payments? I paid for two full years at 6 % and still I owe this as principal? 
On XX/XX/XXXX the loan repayment and interest rate was suspended ( XXXX time ) and I was not required to make payments. I was put in forbearance. I paid until XX/XX/XXXX. 
To my surprise I still owe {$13000.00}. I don't understand where my money went. How did NAVIENT apply my payments to? 
On XX/XX/XXXX I received an email from NAVIENT informing that a new company Aidvantage would begin servicing my student loan instead of Navient. I am on forbearance since then under the XXXX plan and I have not made any more payments. 
I need a detailed report of how payments were handled on my loan. 
Thank you, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (WA)

Submitted a wire transfer request on XX/XX/XXXX. On XX/XX/XXXX I had XXXX discussions with VioBank and was told the funds would be transferred out XX/XX/XXXX. Received a call on XX/XX/XXXX and now told it won't be processed due to an inability to read my signature. I've been waiting XXXX  days for the wire to be sent. This is delaying my home closing and I will be subject to forfeiting my XXXX money of XXXX due to not complying with the terms of the contract.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have been attempting to rectify an issue with all three credit bureaus regarding inaccurate information about my bankruptcy. Despite multiple requests and a certified letter from the bankruptcy court confirming that the information they received was not from the courts, they have continued to report this inaccurate information on my credit report. This is a clear violation of the Fair Credit Reporting Act, which stipulates that the information on a credit report must be correct and accurate. If this misinformation is not removed within 30 days, I will have no choice but to file a lawsuit. 

also, any information related to the bankruptcy to be removed from the report as well any accounts also discharge need to be removed with this inaccurate information within the 30 days before I file lawsuits
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to express my frustration regarding the failure of Equifax to open an investigation into my recent disputes, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation, my disputes have not been adequately addressed, which is a clear violation of my rights under the FCRA.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

I received a letter from Coinbase indicating that there was about {$500.00} of property ( crypto currency ) that belongs to me. In two weeks time, they'll be giving it over to the state as unclaimed property. 

The Coinbase account was started in about XXXX. I no longer have access to the email address or the phone number. I can verify my identity, and I reached out to Coinbase asking how I could get access to property which is legally mine ( and which I have a legal right to ). Coinbase told me that because I no longer had access to the phone number verified or the email that I used, they are unwilling to assist me. 

After looking on XXXX and XXXX it appears that Coinbase has a history of locking accounts, or otherwise refusing to allow people to withdraw.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 Equifax 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
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NY)

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. 

XXXX  XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.