davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is my final attempt to resolve this " late payment '' allegation. 

1. The dealership verbally ( and wrote the original contract ( 3 revisions of record ) ) told me the loan amount would be paid before XXXXXXXX XXXX due date. WHY WOULD I PAY FOR FULL COVERAGE INSURUANCE ( see attached ) for a vehicle that I didn't own? The contract information was edited to financially benefit XXXX XXXX XXXX! 

2. The sales agent was terminated from XXXX XXXX XXXX after the sale of this vehicle, due to negligence. If they deny this, I hope CFPB does a full audit on all transactions of the dealership.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NE)

My complaint is about Comenity Bank. I had a XXXX credit card with them, my original credit limit was {$500.00}. Over the last year they have been lowering my credit which makes it appear that I have gone over my limit every month. I closed my account a couple of months ago and have not made a payment. They call me XXXX times a day from different phone numbers. This is harassment. I have answered the phone a handful of times and informed them to quit calling my phone number and it still hasn't stopped.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Arivo Acceptance, LLC (TX)

This account is in litigation I have not been supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management Address : 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  Dear Midland Credit Management 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 XXXX. XXXX of XXXXXXXX XXXX XXXX in XXXX ofthe dot fom tho 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.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (PA)

I made a application for a GM credit card thru Marcus or Goldman Sacks. I was told I did not qualify because of my credit. In the same e-mail they told me my credit score was XXXX I normally have good credit I own my home and XXXX cars XXXX a XXXX XXXX and a XXXX XXXX  they are both paid off My total debt at the time was {$650.00}. It is my opinion that my only problem is I am XXXX. When I call them they just say bad credit
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

Subject : XXXX XXXX XXXX U.S. Bank for Unjust Denial of Business Account Opening and Poor Customer Service US BANK Application number : XXXX Dear CFPB, My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXX, a business established on XX/XX/2020. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I am a longstanding customer with U.S. Bank, where I maintain both personal checking and savings accounts, as well as a credit card. Recently, I approached U.S. Bank to open a XXXX XXXX Account for my business, and despite submitting all requested documentation, my application was denied without a reason. 

I spoke with XXXX, a supervisor in the XXXX XXXX Department, hoping for clarification, but was met with a lack of transparency regarding the refusal. This unexplained rejection and lack of support left me feeling that I was treated poorly, particularly as a loyal customer seeking to expand my business relationship with U.S. Bank. 

Given my full compliance with the banks requirements, I am requesting the XXXX XXXX XXXX XXXX assistance in securing an explanation and facilitating the opening of this account. I believe this situation highlights an unfair business practice that merits immediate attention. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

I am submitting this formal complaint against Resurgent Capital Services, LP ( Resurgent ) concerning the handling of the alleged debt associated with account number XXXX. Despite documentation and an active fraud investigation by XXXX XXXX  along with the fraudulent judgement that was dismissed due to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX failure to be present in court.Resurgent Capital Services, LP has engaged in what I allege to be improper and unlawful debt collection and credit reporting practices. Below, I outline 20 alleged violations under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Gramm-Leach-Bliley Act ( GLBA ), each supported by case law. This letter serves as a formal demand for corrective action and statutory compensation as prescribed by law.
Consumer complaint received 2024-11-04
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: CITIBANK, N.A. (NY)

I am writing to dispute unauthorized hard inquiries on my credit report. According to the FCRA, any unverified and unauthorized inquiries must be removed. These inquiries were not authorized by me and lack permissible purpose or any other valid reason. Please investigate and remove these inquiries promptly.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

Hello, I need to dispute 3 transactions made with my debit card due merchandize not received. I couldnt reach the dispute department by phone. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX I should have received all on XX/XX/year>, I tried to reach the seller several times but they never answered, please proceed with the chargeback request due merchandize not received. 
Thanks
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NY)

I am attempting to buy auto insurance and being told there is no auto insurance rates available in my area due to my XXXX XXXX. How am I supposed to live without the ability to attain auto insurance for my vehicle in my name? I haven't had an at fault accident in the recent 2 decades, never killed another driver or passenger ( s ), never had a DUI or DWI BUT STILL DON'T QUALIFY FOR AUTO INSURANCE IN MY AREA? Insurers are taking advantage of consumers with the help of LEXISNEXIS XXXX XXXX which is INACCURATE, UNETHICAL AND BIASED. I attempted to attain a copy of this XXXXXXXX XXXX via online request and got denied! I called in over the phone and got denied because " my address wasn't verifiable '', who gave these people my personal/confidential information in the first place to even use to verify ANYTHING?? THEY ARE ALLOWED TO REPORT NEGATIVE, BIASED INACCURATE FALSE INFORMATION to insurers for their benefit ABOUT MY insurance HISTORY WITH NO RECOURSE WHICH IS TOTALLY UNCONSTITUTIONAL.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CO)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 Date opened 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 Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX1 Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I am filing a formal complaint against Venmo and PayPal due to their failure to assist me in resolving a fraudulent payment dispute, which has resulted in both my Venmo and PayPal accounts being frozen. Despite my prompt actions to stop a fraudulent payment, I have been unable to access my accounts and have not received adequate support from customer service. 

On XX/XX/year>, I proceeded to make a payment through Venmo believing I was purchasing a generator from a trusted friend ( the scammer claimed the account they used was my friend 's cousin 's ). Shortly after, I discovered that my friends XXXX account had been hacked and that the transaction was part of a scam. Immediately upon realizing the fraud, I called Venmo customer support to explain the situation. The representative told me she would forward my case to a support team. Following this phone conversation, I contacted my bank, which placed a stop-payment on the transfer to prevent the funds from reaching the scammer. Instead of assisting me in reversing the fraudulent transaction, Venmo froze my account after taking {$13.00} that was in my Venmo account for the {$400.00} payment. PayPal subsequently froze my account as well, causing additional frustration and inconvenience. Despite repeated attempts to resolve the matter through customer service, my accounts remain frozen. In fact, PayPal emailed me to inform me that they suspended my account ( XX/XX/XXXX ) after I sent an email to the executive office of PayPal on XX/XX/XXXX, requesting to resolute the fraudulent payment dispute urgently. 

I have provided both Venmo/PayPal with supporting documents that prove my efforts to prevent this scam, yet my case has not been resolved. I am left unable to use my accounts, despite being a victim of fraud and taking immediate action to stop the payment.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, my XXXX mother, XXXX XXXX, received a phone call that she believed to be from the Chase bank fraud department alerting her that they had noticed fraudulent activity on her checking account. My mother gave the caller my phone number to include me in the call. My mother told me it was Chase on the line, and it sounded authentic, so I believed her. To make a long story short, the call was a scam and when it was over, we naively authorized transfers out of the account. The transactions were as follows : XXXX XXXX XXXX XXXX XXXX XXXX My mother received a letter from Chase on XX/XX/XXXX refusing to reimburse her for these funds because, in their words, the items being disputed were authorized or you received benefits from the items.

These items were authorized with the belief that it was in the service of a fraud investigation. My issue with Chase is that they let all these transactions go through without putting a hold on them while they were in process. This is a Trust account where there is NEVER transfer activity. This should have immediately looked suspicious to Chase and should have been halted immediately. In contrast, when someone attempted a transfer from my checking account at XXXX XXXX XXXX XXXX, they immediately put a hold on it and none of my money was stolen. 

Another issue with Chase is that they make it difficult for customers to differentiate between legitimate and fraudulent calls. For example, I received a call from a number with an XXXX area code. A woman named XXXX said she was from the Chase fraud department. I immediately became suspicious and ended the call. I called back to verify, and I got a voice mail with a message that simply said, no one is available to take your call. How is a customer supposed to figure out what is legitimate and what isnt, especially when you are dealing with XXXX citizens?
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (TX)

Reached out on XX/XX/XXXX to revoke XXXX, they asked for additional information which I provided, they delayed the process until XX/XX/XXXX to tell me its within 3 days of a withdrawal ( which they have not taken in XXXX weeks now since the checking account is non active ). When I informed them of my rights as a consumer they said they can not and will not revoke the authorization.
Consumer complaint received 2024-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc (PA)

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Floor New York XXXX NY XXXX Re : Intent to File a Complaint with the CFCB Dear Sir or Madam, I am writing to formally notify you of my intent to file a complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX and other relevant consumer protection agencies regarding the handling of my account with XXXX XXXX XXXX  XXXX 

Despite my previous communications and requests for resolution, I have encountered significant issues with how my account has been managed. Specifically, my concerns include abusive, harassing, or unfair collection practices, such as excessive phone calls, threats, or deceptive tactics used to pressure you into paying. The collector has violated consumer protection laws, such as failing to provide required disclosures, not honoring requests for verification, or engaging in illegal collection practices. 

Here are the details of my account and concerns : Account Number : N/A ( XXXX XXXX XXXX XXXX XXXX ( January Technologies ) Description of Issues. 

The collector has not provided the necessary documentation to validate the debt despite repeated requests. I have previously requested the collector to provide proof that the debt is valid, including documentation showing the original creditor, the amount owed, and their right to collect the debt. 

As a result, I believe that filing a complaint with the CFPB and potentially other regulatory bodies is necessary to address my concerns. 

I would like to resolve this matter amicably and request that you take the following actions : Address and resolve the specific issues outlined above. 

Provide a formal response to this letter within 15 days detailing how you plan to resolve these issues. 

Provide any relevant documentation that supports your position regarding the issues raised. 

If you do not address these issues satisfactorily within the given time frame, I will proceed with filing a formal complaint with the CFPB and other relevant agencies to seek a resolution. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,
Consumer complaint received 2024-11-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

on and/or around XX/XX/year> called usaa as I was unable to cancel the policies online.

as usual its so many games they play and expect customers to be at work with them.

I do not work for usaa and the hours it takes to do simple task, I am not a slave nor do I work for free. 

disable veteran dealing with my health I do not have time to keep with all the back and forth and paying for things I do not need. 

I obtain insurance from a reputable company and the house on record is going through deed in lieu foreclosure. 
USAA can contact the VA and discuss with them again never call me. it is always viewed as harassment it is the most stressful experience, so many employees that are not qualified and do not have an understanding of law, rules and regulations. 

It is clear that the training provided are not applied
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Activehours (NY)

I went to borrow {$12.00} dollars from Earnin for the bus fee using XXXX XXXX, but the app instead debited me {$47.00}!! Plus the XXXX XXXX brings it up to {$63.00}!!! They expect me to pay all of that and would only refund me {$11.00} ( the Lightning Speed fee ). They refuse to refund me because I used lightening speed even though I showed proof that I did not ask for {$47.00}!!
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NE)

I want to Goldman Sach Marcus account page. Paid the balance in full and expected no additional charges like every other card I have, instead they put a late fee on the account for nonpayment of trailing interest which I was told was interest of XXXX cents. It's been my experience with other companies XXXX, XXXX, etc, when you go to their site and pay off a balance all the interest is calculated and the amount they state is the total outstanding is the total amount owned, not some additional amount at a later date. Their mechanisms to resolve it is a dispute that takes 2 months to resolve and at the same time, you will continue to have late fees and interest on a debt you should not owe or a 10-day process for review that appears to just refer you back to the statement print. Their site should calculate all due interest like everyone else when paid in full.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

BECU has locked my savings account due to their belief that I deposited fraudulent two third-party checks ( one for $ XXXX, and one of $ XXXX ). 
However, these checks were not fraudulent ; they were funds my fianc received after the death of his mother, which he simply just wanted to deposit into my account. At the time, we were unaware that third-party checks were prohibited, and this was simply an unfortunate misunderstanding. 
I first explained the situation to BECU on XX/XX/year>, after discovering my account was locked when I attempted to log in. I contacted them again on XX/XX/XXXX, when my fianc and I visited the branch with the checks in question to further clarify our misunderstanding. 
Currently, I have {$3000.00} in my account that I deposited on XX/XX/year>, through a local bank teller, but BECU will not allow me to access it. I intended to use these funds for a tuition payment, which I have also communicated to BECU. 
Not once has BECU reached out to me ; I have had to initiate all contact. They did not inform me they were locking my account, and despite being told I would be contacted by their fraud investigation department during my visit on XX/XX/XXXX, I have yet to hear from anyone. 
I chose BECU because it is a local bank with a strong history in my community, and my fianc, who has been a long-time customer, recommended it. My current bank is online only, making access to cash deposits inconvenient. Unlike BECU, they have never treated me like a criminal or taken action on my accounts without communicating with me. 
Im very disappointed ; what I hoped would be a positive experience has turned into anything but.