davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

The company refuses to identify themselves. They call and text my family memebrs as well as my brothers girlfriend who sent me the text today. The companys phone number is XXXX, the message states case # XXXX I called and the guy refused to identify himself or the company. He kept claiming Capital one is suing me and that he ia an attorney. I have XXXX active accounts with capital one. Neither account is in default. I did have acapital one account in the early XXXX 's that was a judgement, he claimed it was not that account. i advised him it is well past 7 years. He refused to provide further information and stated they would contine to contact who ever they want. My brothers girlfriend has called them several times and they refuse to stop calling her. They never contact me. I have spoken to several different people at this company and the harrasment continues. I am not sure what to do to get them to stop calling my family and their friends.I have attached the text message that was sent to my brothers girlfriend. Her phone number is not associated with me or my lastname in any way.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (WI)

I am being ignored and disregarded as a consumer in law. Information that is not 100 % accurate and fully verified is being reported on my credit report. Information can not be reported unless it can be supported by evidence per the FCRA.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Consumer Financial Protection Bureau Subject : Dispute of Incorrect Information and Request for Validation Pursuant to 12 CFR 1006.34 To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to my credit file by Portfolio Recovery Association. This collection entry has been placed without providing me with the required validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, a right guaranteed under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I hereby revoke any and all rights to owe any debts to Portfolio Recovery Association or any associated entities. Furthermore, I revoke all rights to communication, including emails, text messages, and phone calls, from Portfolio Recovery Association, and its representatives. 

In accordance with my rights under federal law, I request the following documentation from Portfolio Recovery Association to validate the alleged debt : 1. Purchase agreement between Portfolio Recovery Association and the original creditors XXXX XXXX regarding the alleged debt. 

2. Proof of license and bond for debt collection in Texas. 

I formally requesting Portfolio Recovery Association to immediately remove the following collection entries from my credit report : 1. Portfolio Recovery Association Amount {$730.00} I expect Portfolio Recovery Association, to provide the requested documentation promptly. Failure to comply with these requests may result in legal action to protect my rights under federal law. 

Please provide me with written confirmation once you have received this dispute and initiated the validation process. 
Thank you for your prompt attention to this matter. I anticipate your timely response and the swift resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo Dealership made me pay double on my loan every month for a year or more. They mismanaged my car loan causing me to loose my business and my apartment trying to keep up with the ridiculous payments on my XXXX 
They continually sent me letters saying they had made an error! 
They owe me all the money I paid trying to keep up with the double payments. Compensation for the stress and XXXX and pressure I was under due to trying to make payments I should have never been making. Compensation for demise if my business and living space
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX Account Number : XXXX has violated my rights. Or 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 2024-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (VA)

On XX/XX/2024, I received an email ( see attached ) from US Bank promising a {$300.00} bonus if I deposited {$15000.00} into my savings account specified and maintain the balance for 2 months from XX/XX/2024 to XX/XX/2024. I transfered {$15000.00} from an external account and met the terms. The email states that I would receive the bonus within 30 days of XX/XX/2024. It has been 34 days since XX/XX/2024, and I still have not received the bonus. I contacted US Bank Customer Service on XX/XX/2024. The representative kept denying that I received a promotional offer.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company (DE)

I sent the letter to stop all automatic drafts on my account in XXXX XXXX XXXX by telephone. 

I also request it to be done XXXX. They hit my account 2 times. Would not return the money.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. ( 15 USC 1681 section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account Without my written instructions under ( 15 USCS 1666B ) states a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as a late for any purpose.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. DEPTEDNELNET This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency DEPTEDNELNET name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I recently started a savings account with USAA in the amount of {$35000.00}. It's been about a month now. I have since reconsidered the viability and reliability of this bank. They will not let me access or transfer my funds because they say it's " too new. '' I want my money out of their hands and back into my savings account at XXXX XXXX XXXX. 

Surely this is not legal? Can you please help me get my money back? 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
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. (GA)

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 : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Affirm Holdings, Inc (PA)

I was issued a refund on XX/XX/year> by XXXX XXXX to my Affirm card. When the refund was sent to Affirm, Affirm stated that the refund was never processed and claimed that it was rejected by my bank card ending in XXXX. I advised them that it was a system glitch on their side because I use my bank card every day. However, they refused to investigate the problem and advised me that instead of processing my refund or attempting to fix the issue, that they would just cut me a check and I would receive it within 30 days. 

While on the call with the agent, I advised them that I had an active loan attached to my card ending in XXXX. While on the call, I paid the loan off with the same card through their Affirm website and it processed as expected. Regardless of proving to them that there wasn't an issue with my card on my side, they said I would still have to wait for a check in the mail for 30 days. 

The biggest issue is that I had to call this company to have them make me aware that it was supposedly rejected when they attempted to refund it. They don't have any reporting that would prompt them to let the customer know. My refund was processed 4 days ago nobody from Affirm reached out to let me know that there was an issue. 

Affirm needs to find more efficient ways to address a customer refund. Checks are archaic and I won't continue to do business with this company if they can't resolve their technical issues timely. Now, I have to wait a month to get my refund from XXXX when it should only take a few days max for this.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (DE)

The company began servicing the credit card in early XXXX or late XXXX. I had such a problem with the switch over that I called and closed the account in XXXX of XXXX and I have a letter dated XX/XX/XXXX from the company confirming same. I also have a letter from them dated XX/XX/XXXX confirming that there was no balance on the card. Until very recently I have had no contact from the company. In XXXX of this year the company began dunning me ( phone calls ) for an unpaid balance. I also became aware of problems with my credit reports. I called the company and learned that charges had been posted to the account and I replied that the account had been closed for over a year and that any charges were fraudulent. The rep told me the account had been frozen. I reiterated that the account had been closed, that there was no balance, and that I had letters to that effect. Following that call I received a letter dated XX/XX/XXXX from the company stating that the account has been closed and there is a balance of {$71.00}. I called them again, explained my complaint to two reps, was transferred twice and then was disconnected. I then wrote the company a letter spelling all this out and enclosing copies of the XX/XX/XXXX letters and demanding that the dunning cease and my credit reports be corrected. Since then I have received emails from them still trying to collect the {$71.00}.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (WA)

On XX/XX/XXXX I reviewed my XXXX consumer report and noticed an inquiry from Transworld Systems , Inc. conducted on XX/XX/XXXX. I did not give my permission for them to access my XXXX consumer report.

I do not have an account with Transworld Systems, Inc, nor have I ever done business with them. 

This is a permissible pull violation under the Fair Credit Reporting Act. I want to know why Transworld Systems , Inc. looked at my consumer report without first obtaining the proper authorization.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I am disputing the collection notice for unpaid lease charges at The XXXX XXXX. On XX/XX/year>, XXXX XXXX ( XXXX  XXXX ) confirmed in writing that these charges are for my former roommate, AFTER I vacated. I've provided proof of release, and she assured this will be rectified. ProCollect sent me a letter claiming they've taken steps to address the issue by canceling the account as a collection item and requesting its removal from the credit bureaus, but since then my credit score dropped XXXX points due to this. Nothing has been resolved. They don't answer my emails. This was NEVER my debt! They never even contacted me about it.
Consumer complaint received 2024-07-18
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: GOLDMAN SACHS BANK USA (CA)

on XX/XX/year> i purchased an item from company XXXX online using Goldman Sachs Apple credit card, amount {$59.00}. the merchant advertised the items can be returned within 2 weeks but did not show the return address online. looked legit but when i tried to return the shoes, the gave me an address in XXXX to send it back. cost of shipping would be more than the cost of those shoes. i contacted Goldman customer service, provided them with required info and snapshots of the merchant 's website return policy. At first they gave me the money back for item and dispute was filed. Today i have noticed that charge was put back on my account last month- no email or message about dispute conclusion. quietly put the charge back! i called and asked why they are siding with the shady merchant, they did not give me an answer.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (CA)

For the last two years, Ive requested claim documentations from Truist bank. Ive filed claims for purchases to vendors or businesses that didnt render services or faulty product that was received or damaged. Suntrust would file claim over phone but no documentation would be provided not online/ not in mail/ not over phone. I would call months later or see on my online statement that the claim was denied with no documentation of why or what transpired. I have made multiple attempts to retrieve and resolve these through phone/email/social media communications with the company and just with response enough to look as resolution is being made. Ive lost money and resources because of this and also wrote to the Fdic because since small claims can only go so far and other consumers are complaining and results on web search engines is providing recent complaints and stories from other consumers from Truist/suntrust with similar issues.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I received email from my credit card company about my credit score. This scam company is trying to make me pay their so called debts to make payment. So I want to fix my credit score. Scam company name ; Transworld system INC. Reported amount {$1200.00} and {$430.00}. I never received any letter or email or phone from this company. I just know from my credit card company. I already reported to my credit card company, XXXX XXXX XXXX. I appreciate your cooperation.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XX/XX/XXXX portfolio recovery and I agreed thru their financial department to pay {$130.00} per month to payoff an {$11000.00} XXXX debt,,,,,, on XX/XX/XXXX started the process of refinancing my home to payoff debt and found portfolio recovery on my credit report as delinquent every month. Since XX/XX/XXXX I have been paying the agreed amount thru direct payment withdrawal the current amount owed is {$6800.00}. Spoke with XXXX XXXX and XXXX XXXX of portfolio recovery in the finance department who advises there is nonthing they can do ... .. all occurred on XX/XX/XXXX at approximately XXXX XXXX... ....
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX someone found and used my card multiple times resulting in my account being charged over {$600.00}. I called Chime as soon as I received a text message from a third party account stating that my balance had reached XXXX. I explained that I did not notice my card was missing and that I was not making the purchased nor did I authorized the purchases made. They said I had to call back to file a dispute once the charges had settled. On XX/XX/XXXX I called back and filed a dispute, I provided photos and video footage of someone else using my card and receipt proof that they were bypassing the pin as the stores provided me with this information. Since then my claim continued to be denied two more time, I have added proof of my where about as well as police report information and my claim still continues to be denied.