davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (WA)

I was alerted to a collections item on my XXXX credit report, with a date reported of XX/XX/XXXX. I filed a complaint, disputing the debt, with CFPB, writing the following : " A collections item was reported to the credit bureaus on XX/XX/XXXX for {$600.00} from XXXX XXXX No previous notification was sent to me about this.I do not owe this debt. I had a XXXX XXXX account 5-6 years ago, but I closed my account and it was paid off. I have tried to reach this Collections Agency ( Transworld Systems, Inc. ) but they are unresponsive and it is impossible to reach someone by phone. I have sent a letter disputing this debt. '' The collection agency ( Transworld Systems/TSI ) responded by sending a letter ( attached ) that shows amounts they claim that I still owe XXXX from a cell phone account I haven't used since XXXX, and was closed and paid off in XXXX. 

Transworld Systems/TSI claimed to have sent me an Initial Demand Letter on XX/XX/XXXX. They sent this to an old address that I have not received mail at for over 6 years : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX. All mail sent to me at this address should be returned to the senders. I had no reason to provide XXXX  with my new mailing address because I closed my account, paid off the account and had no reason to expect any further communication from XXXX. 

I did not receive this Initial Demand Letter that Transworld Systems/TSI claims to have sent on XX/XX/XXXX. Transworld Systems/TSI claims that " no mail returns were received. '' This is difficult to believe. Others who have mistakenly sent mail to this address, intended for me, informed me that they received returned mail from this address, and I can prove it. Furthermore, Transworld Systems/TSI could have made a reasonable effort to obtain a current mailing address for me ( current as of XX/XX/XXXX, and clearly more recent ) through routine and minimal skip-tracing, such as by obtaining it from credit reporting records that all collection agencies have easy access to. 

By not making a reasonable effort to inform me of this claimed debt before reporting it to the credit bureaus, Transworld Systems/TSI is currently in breach of FDCPA, specifically 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ), which requires consumers to be notified of the claimed debt before it is reported to the consumer reporting agencies.
Consumer complaint received 2024-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NC)

Ive been paying aesuccess since 2012, it says that Ive paid in total {$9000.00}. Ive put more into my interest in my principal because it got deferred without my permission but it was only deferred for probably a year and ever since then Ive been paying for years now and it does not seem like its going anywhere and the amount I still owe is {$4700.00} is it that I have been paying so much interest and yet have not paid a {$5000.00} loan off my interest is 12.99 % I think that Im getting ripped off
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NJ)

I was charged for a XXXX XXXX XXXX that I cancelled before the said date in which I would be charged for it would be. My bank, Wells Fargo, made a claim for me and on XX/XX/year>, I received a letter in the mail stating that it was declined. I called a representative from Wells Fargo and they told me that my claim was denied and gave me very little information as to why this really was when I in fact cancelled my membership before the date that was just provided to me over the phone from the Wells Fargo Claims Specialist. According to them, they said that a XXXX XXXX XXXX confirmed with them that the date to be charged for whatever fees I was asked to pay was on XX/XX/year>. I cancelled my membership before that and have provided a document from XXXX XXXX that confirms this. I specifically told the associate I cancelled my membership with on site that I didn't want to be charged for any fees beyond my cancellation, and he verbally told me that I had nothing to worry about. 

Why am I still being forced to pay such a price? It's even greater than the monthly fee that I had already been paying. I cancelled my membership before the day for several reasons and didn't visit the facility further. I'm still being forced to pay forward an amount that I can not afford for a service I never received!
Consumer complaint received 2024-07-25
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

My Account Available Balance {$0.00} Card Number : XXXX Expiration Date : XXXX/XXXX Status : ACTIVE Original Value : {$100.00} Print Icon Print Transactions Check balance for another American Express Gift Card Balance & Transactions Balance Summary XXXX Thru XXXX Value $ XXXX Transactions $ XXXX $ XXXX $ XXXX Balance {$0.00} Transactions 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 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 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 + {$0.00} Note : If you have recently completed a transaction , it may take 15 minutes for your Card balance to be updated. 
Gift Card Tips Dining Out Two Forms of Payment Hello, this is their record of my attempts to use my card. I did try to use this card at XXXX XXXX, and it didn't work. I tried to use it in my XXXX " wallet '', and it again was not accepted. Lastly, I tried it at XXXX and again it did not work. Each time I tried to use the card I gave the four-digit security code. After so many times of trying to use the card and not being able to, I asked that my money for the card be refunded. The next thing I knew, there was a charge on the card for {$100.00} ( the cards limit ) at a " XXXX XXXX '' on the XXXX XXXX. I let them know right away ( within 24 hours ). They said they would open a dispute for me. I just got the results of their " investigation '' a short time ago saying they are denying my dispute and I have lost my {$100.00}!
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. JPMorgan Chase {$60000.00}
Consumer complaint received 2024-06-19
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. (MO)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$6600.00} XX/XX/2019 My name is wrong on the credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not mine : 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 INQUIRIES NOT RECOGNIZED XXXX, XXXXXXXX XXXX XXXX Employers I have never worked for : XXXX, XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : - **Account Name : [ CAPITAL ONE ] ** Account Number : [ XXXX ] The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : XXXX. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
XXXX. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
Given these violations, I am requesting that [ CAPITAL ONE ] immediately cease reporting the inaccurate information and delete the account from my credit report. Please send me a written confirmation of the deletion within 30 days of receiving this letter. 
I am writing to formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
This is my second attempt which you have ignored my first request sent on XX/XX/24. I sent a request stating that there are inaccuracies and I wanted those addressed. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MO)

Fortiva credit card company. XX/XX/XXXX through XX/XX/XXXX. They charged my bank account fees and didn't give me credit for the payment I made. And today, XX/XX/XXXX someone tried to apply for a loan that I'm sure I didn't try for. I should've reported this sooner but I kept putting it off.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
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: OPORTUN FINANCIAL CORPORATION (AZ)

Checking my credit report a few months ago, I discovered errors regarding the account of OPORTUNPROG  ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.

Having ignored my attempts to validate the account was the necessary certainty to file this complaint in which I request the removal of this account that is presenting issues affecting my credit score and should be removed as the information supporting it can not be verified.
Consumer complaint received 2024-07-29
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: WELLS FARGO & COMPANY (NJ)

There have been several instances of someone applying for credit cards with my informatoion but without my authorization. I have 3 hard inquiries that have shown on my credit report since XX/XX/year> including Wells Fargo, XXXX and XXXX XXXX. I have contacted XXXX and XXXX. They have reported the incidences as fraud but was told I would need to file a complaint here as well to elp clear my credit report from these inquiries.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MA)

Dear Discover ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( XXXX ) and XXXX XXXX XXXX ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to XXXX XXXX. XXXX ( a ), I am entitled to privacy, and XXXX XXXX. XXXX ( a ) ( XXXX ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : XXXX : Harassment or abuse in connection with debt collection. 
XXXX : Use of false, deceptive, or misleading representations. 
XXXX ( b ) : Failure to properly disclose my rights. 
XXXX : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AZ)

Hi, I have been a customer with Marcus by Goldman Sachs for many years. I have online saving acount and several CD acounts. 

About one and half months ago, I tried to transfer a relative big amount of money from my Marcus online saving account to my account in another bank. In the beginging, the trasnfer request seemed to be normal. But a few days later, I found out the transfer was reversed ( transfer did not fully go through ). So I called to Marcus and i was told my account now have a restriction and I must be re-authenticated before they can discuss my account details with me. Then we discussed ways to get me re-authenticated. The agent said he can not send one-time code to my listed phone number which is not linked to my name in their verification system ( which is odd ), and he can not verify me using my driver 's license since I am from AZ. Then he said he will mail a affidavit of identify form to me and I need complete the form in front of notary, and send the form back to Marcus. Then I waited for more one than a week without receiving the form in the mail. I called the Marcus again. Of course, I got a different agent. I had to explain the situation again, and, apparently the affidavit of identify form was never mailed to me. She promised to expedite mailing the form again. Then a couple of days later, I received several letters from Marucs saying all of my CD accounts are closed and I was shocked. I immediately called Marcus to ask why they closed my accounts. Of course, the agent could not discuss any details with me since I have not been re-authenticated yet. Then I kept calling them for a few days. And finally one of the agents told me that Marcus made a business decision to close all my accounts and will mail a check to me. No explanation was offered. It has been more than 10 bsuiness days since the closures of our accounts. But I have not seen a check in the mail yet. I am very worried. The worst part is that there is no way to get the Marcus agent to discuss with me about my account details. This is very frustrating. I
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

Between XX/XX/XXXX and XXXX, I received two chase business credit cards under my business which I own ( single member LLC ). 

After one week, both credit cards were locked. When I called to ask why, the chase representative mentioned that my application was suspected as fraud. In order to unlock the accounts, I was asked to verify my identity. They were unable to do so over the phone. 

The following day, I went to into a chase branch and explained what happen. They were excellent with their customer service and apologized for the inconvenience. They verified me in the branch and my cards were re-opened. 

Just three days later, the cards were locked again. This time, Chase actually closed the account. When I called in, they asked me a few questions regarding my account ( all of which I answered ). They mentioned I needed to file an appeal in 30 days to get the cards re-opened. The 30 day mark was on XX/XX/year>. I called again and they could not open the cards.