davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

Today XX/XX/year>, I used my credit card at a convienence store for {$8.00}. I went to my car and noticed I had dropped it. I looked over and watched a man pick it up and put in his pocket. I immediately called my bank and blocked the card. Was assured it was blocked and a new card would be coming. I then receive a fraud alert for $ XXXX in charges I didn't make- now when I call my bank I can't be authenticated so I can't discuss this or mark them as fraud. I asked to talk to someone that can help me was told that isn't possible- I asked to have public record questions asked of me- nope can't do that either for your proctection. Your not protecting me when my card is being used and I can't do anything about it. I've been with them for 21 years not that anyone cares. I understand about privacy and have worked in the industry. But there is always a way to escalate when the situation warrants and I am getting road blocked. This is not protecting my privacy. Send key token to an app that I can't access because I'm at work and not provided any other options is not helpful.
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XX/XX/year> Credit Acceptance Corporation Account Number XXXX. This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (OH)

I included XXXX XXXX debt in my bankruptcy case ( XXXX XXXX. XXXX ). Despite this, I continue to receive collection attempts via phone, text, and mail. 

I have informed my attorney of this issue multiple times via email. I have contacted XXXX directly to update their records and request they stop billing me. On XX/XX/2024, I informed TSI Debt Collections ( XXXX ) about the bankruptcy but received another collection letter on XX/XX/2024. On XX/XX/2024 and XX/XX/2024, I again contacted XXXX and urged them to inform the debt collection agency they sold the debt to. Despite my efforts, I am now receiving collection attempts from a new agency. On XX/XX/2024 I received a text message and called to inform them of the discharged debt. 

XXXX continues to generate monthly bills, which I receive via email and mail. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to stop these illegal collection attempts.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (IL)

XX/XX/XXXX Midland Credit Management , Inc. 
The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I am writing to dispute the collection account referenced above, which appears on my credit report. I am a victim of identity theft, and this account is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and request its removal if it can not be verified. The account in question was opened fraudulently using my personal information without my knowledge or consent. 

Upon contacting the collection agency to dispute this account, I was informed that they have the incorrect name associated with the account. Despite this acknowledgment, the collection account continues to appear on my credit report, causing significant harm to my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and have it corrected or removed if it can not be verified. The collection agency 's failure to correct this error and the continued presence of this incorrect information on my credit report is a clear violation of my rights under the FCRA. 


The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I request that you : 1. Conduct an investigation into this matter. 
XXXX. Remove this fraudulent collection account from my credit report immediately. 
XXXX. Cease all collection activities related to this account. 
XXXX. Provide written confirmation that the account has been removed from my credit report. 

I am requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the collection agency and the credit reporting agencies comply with their obligations under the FCRA. This inaccurate information must be removed from my credit report promptly. 
Please investigate this matter and instruct the collection agency and the credit reporting agencies to remove the incorrectly associated collection account from my credit report. I request a written confirmation once the investigation is complete and the account has been removed. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I have file several disputes with Equifax regarding this account and have additionally requested a description of method, and steps, used to verify this information as indicated by FCRA Section 611, paragraph ( 6 ) ( B ) ( iii ). Equifax has failed to provide such information. 

My previous home was foreclosed and the bank never changed the account to their name. My name stayed on the account until the house was auctioned. The power used for the house while is was owned by the bank was mine was credited to my account when it should have been the bank. 

I reported this situation to the Company, XXXX. and they agreed to removed the account from my credit profile. However, regardless of the documentation I provide, Equifax persists on not complying with my request to remove the account from my profile. 

I had to take the vendor, XXXX, to court to remove the account. Even while the account is in litigation, Equifax insists on reporting this information in my credit profile. This is a complete violation of FCRA. But they don't care to comply with the law.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Bank decided to close our joint bank account without a clear explanation. They informed us that they had decided to terminate their business relationship with me, resulting in us being unable to access our savings. Despite my wife also attempting to contact the bank, they told her the account had no issues on her end but still did not allow her to use the funds. 

Furthermore, we've encountered difficulties with specific claims we've filed. For instance, we had a pending {$300.00} refund from XXXX, supported by emails confirming the refund, yet the bank did not assist in resolving it. 

Similarly, we faced issues with the vehicle rental company XXXX XXXX, where the bank denied our claims without requesting evidence or providing a proper channel to submit it. 

It has been nearly three months since we began trying to resolve these issues, and we have yet to receive a satisfactory response from Capital One Bank. We urgently need these denied claims resolved as we have evidence to support our case. 

In summary, we're in a frustrating situation where we lost access to our funds without a clear justification from Capital One Bank. Additionally, we're facing challenges in resolving legitimate issues with other entities. We would appreciate any assistance or advice on how to proceed in this matter
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at 1935 XXXX XXXX XXXX XXXX, XXXX  XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX, XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX XXXX, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-21
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (FL)

I ran into a XXXX XXXX misfortune and reached out to help from my mortgage company US Bank for help and to notify them. I was led to believe that I was in mortgage warbearance until the problem resolved. Once the problem resolved and I was able to resume payments my credit was slashed and reported late 180 days when that was not the case. I was told that the forbearance was approved but never that once I resumed payments and got out of the financial difficulty that I will be reported as paying late all that time. I would have went a different route. I am now suffering with incorrect reporting of 180 days late which is unacceptable it looks horrible now on my mortgage record. No one can explain to me why this wasn't told in the beginning. I would like the 180 days late removed as I have resumed my responsibility on this loan forbearance.
Consumer complaint received 2024-07-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

I contact XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$840.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, proof that they had the right to collect the debt, including any agreement that grants them authority to collect on behalf of the original creditor. 

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts.
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

First and foremost this account is fraudelent i never had an accout with sprint. Secondly, this company never, and i mean never notified me of this debt, i never recieved any notification that they were trying to reach me. They just went ahead and illegally inserted this debt on my credit. Im requesting a removal of this account from my credit. 

JEFFERSON CAPITAL ACCT # XXXX {$1600.00}
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I have been going back and forth with Citibank and they finally said that the charges were all fraud. However they could not tell me if they would drop all of the interest and late fees on the charges that were dropped. The I got a note from my bank that I ONCE AGAIN HAD A LATE FEE ON MY CREDIT REPORT! They now have come up with a new charge that they can not tell me which one it is. Supposedly it is XXXX. So they will not drop the extra charges that amount to XXXX. I am sick to death of being called a liar. I did not do any of these charges. To the tune of XXXX But this XXXX charge they will not dsimiss. Why? And they can't tell me which one it is. I am frustrated beyond belief. I would gladly pay the XXXX just to get them off my back but they will then come up with another charge. I really don't know where to turn. I have paid all of my bills for years in full and on time. Why would I start now to not do that. I had an 800+ credit score that is now down to XXXX. Tell me how this right and fair.
Consumer complaint received 2019-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Like many others, as a consumer, I absolutely do not feel like I have the power to control what is reported on my credit profile. People just put items on your report, and we have to spend time, energy and money to get it taken off! I am very diligent in getting my profile corrected. The Credit Bureaus have a responsibility to report correct information and its not fair when they do not! I have been disputing one particular account, for well over a year. My first dispute letter to Ad Astra was sent XX/XX/18! I have NEVER signed a contract or agreed to an account or affiliation with Ad Astra, but they keep reporting on my credit report and failing but failed to provide a copy of any alleged contract or other instrument bearing my signature. 

I am appalled and disgusted with all three bureaus as well as Ad Astra. They have all failed to verify any debt, as required by law. I have sent multiple letters to each bureau and Ad Astra as well. Ive sent almost 10 letters to resolve this! The bureaus have failed because they continue to just send back responses saying the account is verified.

Both Ad Astra and each of the bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am requesting that you demand that the description of the procedure used to determine the accuracy and completeness of the information is provided by Ad Astra or they delete the negative information from my report. They should NOT have another 30 days for this! I expect it within the next 7 days! Theyve had over a year! 

Additionally, please ask them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again, formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount to Ad Astra. 

Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete and represents a very serious error in reporting. I am maintaining a careful record of my communications, should they continue their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, and they are all liable for their willful non-compliance. 

The law demands them to provide such documentation or the company/bureau are required to delete. I am requesting you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and XXXX, as per the law! Please find copies of my letters and company responses, but not validations or anything bearing my signature.
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (SC)

I made my payment that is due on the XXXX of the month on XX/XX/XXXX. I make my payment on the XXXX of the month every month with the exception of maybe 3 month in the last 2 years. 

In XX/XX/XXXX I made it as usual and the finance company Global Lending Services has been harassing me about the payment not being made every since. I provided them proof of payment and the payment still has not been posted to my account. 

They are threatening to and possibly have assessed late fees. Their website does not show late fees until the billing statement is generated. 

They have a history of harassing me after a payment arrangement advising I will pay on the XXXX of the month has been made for the last two years. I have voice mails to prove this as well as text messages stating they accept the arrangement, prior to the messages demanding payment being left ( which is a FDCPA violation ).
Consumer complaint received 2024-07-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am submitting this complaint to formally notify FXXXX XXXX XXXX XXXX to cease all communication with me regarding the debts associated with XXXX that have been charged off and claimed as income on taxes. These debts have been reported as income to the IRS, and therefore, they are no longer considered debts. In accordance with 15 U.S. Code 1692c ( c ), I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to request that all communications regarding these accounts cease immediately. This includes any communication through third-party companies, such as reporting agencies. 

The continued reporting and communication regarding these charged-off accounts are not only unwarranted but also a violation of my rights under the FDCPA. I request that the Consumer Financial Protection Bureau ( CFPB ) ensure compliance with this legal requirement and prevent any further unlawful communication from the debt collector or any affiliated third-party companies.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (VA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (LA)

Consumer Dispute Letter to CFPB Regarding Jefferson Capital XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX : Dispute of Debt Collection Attempt by Jefferson Capital LLC Dear CFPB, This letter serves as a formal complaint against Jefferson Capital LLC regarding their attempt to collect a debt I allegedly owe. I am disputing all debts they are trying to collect from me. 
Dispute of Debt I am disputing any and all claims that I owe a debt to Jefferson Capital LLC. I request debt validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) XXXX XXXX XXXX XXXX XXXX This includes a clear breakdown of the debt, the original creditor, and the date the debt was allegedly incurred. 
Documentation Request To further investigate this matter, I request the following documentation from Jefferson Capital LLC : A copy of the original purchase agreement between myself and the original creditor. 
Proof that Jefferson Capital LLC is a bonded and licensed debt collector in my state. 
Communication Revocation I am revoking all consent for Jefferson Capital LLC to communicate with me via phone calls, text messages, or emails except to confirm receipt of this letter and to validate the debt, as required by the FDCPA. All future communication must be done in writing and sent to the address listed above. 
Potential Violations It has come to my attention that Jefferson Capital LLC may have violated the FDCPA in the following ways : Failing to provide debt validation information within the required timeframe XXXX XXXX XXXX XXXX XXXX 
Placing a collection on my credit report without giving me the opportunity to dispute it ( XXXX XXXX XXXXXXXX ). 
Engaging in false, misleading, or deceptive practices. 
Furnishing inaccurate information to credit reporting agencies. 
I believe Jefferson Capital LLC 's actions violate the FDCPA Sections 807 ( b ), 809 ( a ) ( 4 ), and 806 XXXX XXXX XXXX XXXX XXXX 
Request for Investigation I urge the CFPB to investigate these potential violations by Jefferson Capital LLC and take appropriate action to ensure they comply with the FDCPA. I request that you contact me with any updates or require further information from me. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Louisiana XXXX XXXX
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit tried to take me to court. I got legal representation and we settled on a payment XXXX and removal. Which is paid. I would like midland to follow up with their promise. And remove paid debt. They reported in XXXX and settlement was in XXXX. Please update and delete
Consumer complaint received 2024-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

They took my last four principal payments which was made on XX/XX/2024, and applied on XX/XX/2024, which was XXXX then next one was on XX/XX/2024, which was XXXX and it was called misapplied funds on XX/XX/2024, and the next one was on XX/XX/2024 which was for XXXX and it was put in as misapplication reversal and the last one was for XXXX on XX/XX/2024 and it also said misapplication reversal and all of them were put in a suspense account which totaled XXXX and they won't apply it back to my remaining balance and each day they applied my principal and then the following day they would take it away my next payment is not due until XX/XX/XXXX and the explanation they used is on XX/XX/2024 misapplication reversal. Also, my account is locked from making any future payments.
Consumer complaint received 2024-07-21
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery has been harassing me for years over a loan they were sold that was not mine. Its for over XXXX and apparently was taken out in 2020. I never took out a loan because my credit was too low. They were calling me every day before XXXX and after XXXX when I was living in California. They have since stopped aside from every weekend. On Sundays. Thats not okay. They refuse to close the account and had taken XXXX out of my checking when I had it. Im XXXX and that money was for my bills. Now they keep trying again, and wont stop. Every time I answer a call its not someone who speaker English, they have a heavy accent and always hang up. Were they taken by fraud or a call center? It is not my loan and they need to leave me alone.