davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (FL)

I have been a customer at Marcus Goldman Sachs for 2 years now. I have all my savings in there as well as scheduled deposits from my XXXX XXXX  into Marcus every 2 weeks. So does my husband, XXXX XXXX. In the past, I have had no problem transferring money from Marcus back into XXXX if I needed cash. Yesterday, I tried to transfer money from my Marcus account to my XXXX  account, as I need money for closing costs as I am buying my first house- it closes this Friday XXXXXX/XX/year>. They denied the transaction. I called Marcus this morning and even after providing them my social security, DOB, security question, phone, email and full name they still could not verify it was me. They normally verify by sending a code to your mobile, which they said they can not do. They also could not send a code to my husbands phone who is also a joint account owner. They could not give me a reason why my transaction was denied, nor why they cant send a code to my number. MY NUMBER WHICH I RECEIVE THE VERIFICATION CODE EACH TIME I NEED TO LOG IN!!!! So they are okay to send a code for me to access my bank account, but won't send a code to verify its me??? I asked to talk to a supervisor, they said to call back. They also said accounts investigation department will call within 3-7 business days -I DONT HAVE 3-7 BUSINESS DAYS. This is MY money in MY bank account, extremely concerning. They can't verify my drivers license as it's XXXX and its not part of their registered States, whatever that means. I desperately need my money and I have 0 access to do and 0 support from Marcus. I have also read online that so many people have been affected by this, and have ended up being locked out for up to a month. I need the money by Friday, I do NOT have time to wait. Others have also had to notarize a AFFIDAVIT of identify, just because Marcus won't send a txt to your number. I do not have time for this, it needs to be mailed to me and mailed back which is just pathetic in this day and age. I will most definitely be closing my account with them once I can transfer money out. I will be calling them back shortly and will let them know I filed a complaint with CFPB. Please please help me. I need access to my own money ASAP and I can not believe what is going on. This is wrong on so many levels.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (CA)

Total Visa has been charging {$30.00} late fees to my account even though I have had automatic payment set up. The company sends these late fees making my automatic payment higher and then credits me back the late fee. The credit card company has been doing this for several months.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

Comenity Bank/Victoria 's Secret is defrauding consumers with deceptive late fees. After opening an account to build good credit, I attempted to pay off my balance online, only to find the payment option grayed out. When I called the provided number, I was informed of an unexpected late fee. Despite paying my balance and being assured there would be no further charges, I was repeatedly hit with late fees as they continued to move the payment deadline. I ultimately closed the account, confirmed I had a XXXX balance, and was told there would be no future charges, but the fees continued. This company has failed to disclose critical information, moved goalposts, and engaged in practices that seem fraudulent. I demand the immediate removal of this item from my credit report, as they have not acted in good faith.
Consumer complaint received 2024-09-04
Product: Credit card — Store credit 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: CITIBANK, N.A. (CO)

Dear XXXX XXXX and Relevant Person in Charge of Macy 's : I am writing in reference to the recent correspondence regarding my Macy 's credit card accounts. I must express my strong disagreement with the decisions and actions taken by your institution. 

With regard to the alleged fraudulent transaction on the account ending in XXXX, I categorically assert that the order of {$240.00} on XX/XX/XXXX, was unauthorized and without my consent. Despite the shipment to an address associated with me, this fact alone does not substantiate my involvement or authorization of the transaction. I hereby demand a thorough and impartial reexamination of this matter by the XXXX XXXX, with full consideration of any additional information I XXXX provide to clarify the situation. 

Furthermore, I vehemently object to the closure of the account ending in XXXX. I have consistently met my credit obligations, making timely payments in accordance with the terms of the XXXX XXXX. Such an unwarranted closure not only causes inconvenience but also potentially damages my credit record. I insist on a comprehensive review of my account and the immediate reversal of the closure decision. 

In addition, I have serious reservations about the information provided by the XXXX XXXX XXXX XXXX. I suspect that there XXXX be inaccuracies or errors in the report, which could have unjustly influenced the decisions made regarding my accounts. I demand the opportunity to scrutinize and rectify this information, ensuring the accuracy and fairness of my credit profile. 

I trust that you will take my concerns seriously and take prompt and appropriate action to rectify these issues. Failure to do so XXXX leave me with no choice but to seek legal remedies to protect my rights and interests. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX ]
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (TX)

XXXX XXXX XXXX I negotiated through a phone call with the debt collector to pay off my debt for the amount of {$400.00} to XXXX. I requested an email confirmation for the payment but I never received the email.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc. (SC)

I am writing to file a formal complaint against SIMM Associates XXXX Inc. regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) related to their handling of a debt collection attempt for an account with XXXX XXXX Below are the details of the issue I have encountered, which I believe constitutes a violation of the FDCPA. 

Violation : Lack of Proper Validation Notice ( 1692g ( a ) ) On XX/XX/2024, at XX/XX/XXXX I received a call from SIMM Associates. During this call, I informed the representative, XXXX XXXX, that I did not recall the debt and requested validation of the debt to be sent via U.S. mail. I also mentioned that I had never received any prior documentation regarding this debt. I subsequently received a letter marked validation from SIMM Associates, but it was lacking essential information required by the FDCPA. Specifically, the letter failed to inform me of my right to dispute the debt within 30 days and did not explain how to request verification of the debt. Additionally, it did not specify the consequences of not disputing the debt within this period, leaving me unclear about my rights and the process for challenging the debt. 


This omission has misled me about my rights and the proper process for disputing the debt. 
This has caused significant confusion and stress. I am uncertain about the legitimacy of the debt and how to properly address it. This situation has impeded my ability to respond appropriately and resolve the matter.
Consumer complaint received 2024-09-19
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. (WI)

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX04 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks 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 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 And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please remove these items account names and phone number from my credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2024-09-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX store credit card company XXXX XXXX XXXX XXXX XXXX for assistance XX/XX/year>. Was misled that the credit protection being offered at the time was credit protection program i had been paying monthly for since inception of getting the credit card. I was told this assistance program in the pandemic would still require me to make payments each month. I later discovered that after I unknowingly signed up for the creditors self created program, the creditor took steps internally to cancel the real credit protection program underwritten by the third-party credit protection program vendor. ( I was provided this information by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did this XX/XX/year> ). 

The disparaging part of this program that I was put on believing it was of financial assistance but yet it required monthly payments, ( that were lower than my regular payments, but were still required, ) and although they kept the fees at bay it did not reduce my balance. I ended up having to pay my balance down to the levels they outlined ; within XXXX  days of this, the creditor reduced my credit limit by the paid off amount ( not discussed or understood as a part of their program ). The subsequent immediate reduction of available credit was justified in a letter to me claiming they did a periodic review of my credit report. The time was highly coincidental and suspicious considering, they had never done this before for the nearly XXXX  years i had the card and was able to pay it routinely. 

The reduction in credit, of course since it was no longer an XXXX available on my credit report, impacted my credit and financial standing even more. Additionally, the payments I had to make monthly under this protection plan actually caused a more of a burden during a very difficult time. After finally being able to track down the information and the benefits I would have received from the third-party protection program that I paid for the entire balance of my card would have been paid based on the program terms that I knew I clearly met. Additionally, I would not have had to make any additional payments, and therefore my credit and overall financial standing may have been in a far better place than what had occurred. The credit protection would of course protected my credit and during the time of the plan issued by XXXX financial I was still reported monthly as being past due and late.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc. (AR)

I disputed Central Portfolio Control and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (AR)

I disputed XXXX XXXX XXXX and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-09-03
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: Bread Financial Holdings, Inc. (NV)

On XX/XX/year>, I had a XXXX XXXX and paid {$XXXX} via my Comenity Bank credit card which covered my XXXX deductible. On XX/XX/year>, I had another medical appointment, and this office filed their claim with XXXX prior to the first visit and I was not aware of this issue until I received a bill from the XX/XX/year> appointment and paid the bill of {$XXXX} via my credit card. I contacted the medical office I had been at on XX/XX/year> and was told by their billing department that they had a credit on my account of {$XXXX} and claimed they had credited my charge card on XX/XX/year> for the overpayment. I waited for XXXX month for this transaction to be credited to my account before I reached out to XXXX XXXX XXXX XXXXXXXX XXXX. On XX/XX/year> I spoke with their representative who told me this dispute should be resolved quickly as medical offices do not like these types of disputes. On XX/XX/year>, I received a letter from XXXX requesting all the information I had previously given to their rep over the phone on XX/XX/year>. Prior to receiving this letter, I had been calling the automated customer service line which indicated the dispute claim was pending. On XX/XX/year>, I sent a letter to XXXX with the information they requested in their XX/XX/year> letter. On XX/XX/year>, I received a letter from XXXX stating they had received my claim and were currently researching it. I had periodically been calling the automated system to find out the status of the dispute, and it was indicating it was pending. Today, XX/XX/year>, I spoke with " XXXX '' in the XXXX XXXX XXXXXXXX. who told me that he could see there was a dispute but could not tell me if it had been resolved. He transferred me to the XXXX XXXX, and I spoke with " XXXX '' who informed me that the dispute had been resolved and the outcome was not in my favor but could not tell me why. XXXX stated a letter had been sent to me dated, XX/XX/year> explaining the resolution. I never received this letter. I asked that the letter be resent or emailed to me, and she informed me she could not do this. I asked her to tell me what the resolution was, and she could not do that either. She then stated I would need to restart the dispute process over again via Comenity Bank 's secure message website. I have had enough of attempting to get this dispute resolved since XX/XX/year> to no avail.
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (GA)

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX Collections. 

In XXXX and XXXX, I was a tenant at XXXX XXXX XXXX XXXX XXXX During my tenancy, I experienced significant issues, including a missing lease, moldy conditions, and lack of maintenance. Due to these problems, I filed a counter-suit against the apartment complex after receiving an eviction notice. 

Throughout my tenancy, I had extensive communication with the corporate offices of XXXX XXXX XXXX XXXX XXXX documenting my concerns and seeking resolution. Ultimately, the case was settled out of court. 

Despite the settlement, XXXX XXXX has continued to pursue me for payment, claiming that I still owe a balance. This is a violation of the settlement agreement and XXXX also violate the Fair Debt Collection Practices Act. 

XXXX XXXX never contacted me directly before I received the email about the {$0.00} balance. I learned about the debt only after receiving this email and calling the company. This is a violation of 15 U.S.C. 1692e, which requires debt XXXX to provide consumers with a validation notice within five days of their initial communication. 

I am requesting that the CFPB investigate these matters and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, including requiring them to cease all collection activity related to the disputed debt and provide a letter to the credit bureaus to correct any errors on my credit report.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (VA)

They started texting yesterday, XX/XX/2023 and I called to see what it was about and XXXX XXXX got verbal abusive and smart mouthed with me. I told him that I do not want to be contacted about this matter again. He stated he would be calling me everyday. Today, I received a call from him and I stated again do not contact me about this matter again. An hour later I received a text message from them. I stated stop to end the text messages. At XXXX today, I received another phone call from them.