davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights per 15USC-1681-602-604A SEC 2 : I have a right to privacy thus a consumer report agency can not furnish an account without my written instructions.

In accordance with 15USC 0 1666B : A creditor may not treat a payment/Credit Card account under and open ended consumer plan as late for any purpose. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX BV XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/FORTIVA Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Dispute Regarding Inaccurate Credit Reporting Dear Sir/Madam , I am writing to formally dispute the inaccurate information reported by Fortiva on my credit report. Specifically, it has come to my attention that you have reported a late payment for my Credit card account in XX/XX/2024. The reported delinquent amount is {$110.00} This information is incorrect, and I request that you provide proof of the alleged late payment. Please note that general statements or summaries are not considered sufficient evidence. I require detailed documentation or records that substantiate this claim. 

Additionally, I would like to inform you of the potential financial implications for Fortiva if this matter proceeds to arbitration due to your failure to resolve this dispute. Below is an itemized list of potential losses : 1. **Filing Fees : ** {$200.00} to {$500.00} 2. **Arbitration Costs : ** {$1000.00} to {$3000.00} 3. **Attorney Fees : ** {$1500.00} to {$5000.00} 4. **Administrative Costs : ** {$500.00} to {$2000.00} 5. **Potential Damages : ** {$1000.00} to {$10000.00} The total potential financial impact on Fortiva could range from {$4200.00} to {$20000.00}, depending on the specifics of the arbitration process and any awarded damages.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (GA)

Upon reviewing my consumer file I notice a collection from a company called Upgrade Inc . I requested valid verification from this company in per suite to make clear of this alleged debt. I have not received anything and is concerned that this company is in violation of the FCRA laws 15 USC 1681 and Fair debt collection practice act 15 USC 1692g
Consumer complaint received 2024-08-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (NC)

I had taken out a loan from zoca loans around XX/XX/2020 for the amount of {$1000.00}. I tried making payments on the website which had been down numerous times. I reached out to customer support in which they set up a bank draft but something went wrong on their end. As of recent, they have been calling my family members ( not sure how they got their information ) by a third party company they have hired and are trying to take legal action and charge me a total {$10000.00} for a {$1000.00} loan. They just recently called my sister and left and threatening voicemail on hers and my cellphone saying my legal rights would be taken away and could face some kind of jail time which is absurd. I did not recognize the number because my phone silences unknown callers and when I looked at the number is says " XXXX XXXX ''. I need this matter taken off my credit and for them to stop harassing me in the extent they are going. It is unfair and morally wrong.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (SC)

The last payment made on this credit card account was XX/XX/year>. Discover Card closed this account in XX/XX/year> taking a full write off {$7600.00} for an account with a {$6500.00} credit limit ( the extra {$1100.00} was for penalties and fees ). For XXXX years I did not hear from them. Then this account began to reappear on my credit as an " active '' account. The amount owed and the credit limit began showing and affecting my " owed '' balances. I began to receive emails from Discover Card telling me they could not sue me but I still owed them the full balance ( despite them having written it of/charged it off XXXX years ago ). Even if this is true this account should not be misrepresented/showing as an " active account '' to be used as a malicious tool to damage my credit in the way it's status is being misrepresented.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-28
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: Cascade CISS Holdings, LLC (DC)

Unauthorized credit inquiry on credit report due to fraud. XX/XX/year> a hard inquiry was initiated on my credit profile without my knowledge or consent. This constitutes as a violation of the FCRA. Please have inquiry deleted and/or removed from consumer credit profile immediately.
Consumer complaint received 2024-08-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

The university I attended from XX/XX/XXXX to XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX  ) has had numerous lawsuits. Due to defrauding students and leaving us with debt and worthless degrees. The school has now been closed and is no longer operating. About a year ago, I applied for the Borrowers Defense ( BDTR ) program under the Biden Administration, which I was approved for on XX/XX/XXXX. However, I still have private loans with Navient. Navient has opened up a program called Navient School Misconduct. I have applied for the school misconduct discharge program, but Navient has denied me without an actual reason. Can CFPB please help and have Navient give me a valid reason as to why I was denied? I submitted court documents ( complaint and docket ) I worked with a lawyer on my application and still got denied. I want to know the actual reason for being denied, not just a general one. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-27
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: Cascade CISS Holdings, LLC (GA)

These are all inquiries on my credit report that are inaccurate. 

XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XACTUS Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS LLC XXXX : XXXX. XXXX, XXXX XACTUS LLC Inquiry : XXXX. XXXX, XXXX XACTUS LLC XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XACTUS LLC XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

Since XXXX XXXX XXXX Resurgent capitol services has sent me letters for an alleged debt that I do not owe and have responded to them with this letter : XX/XX/XXXX ( XXXX letter since XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE  : Ref # XXXX Dear Sir/Mam, I received a letter on XX/XX/XXXX and dated XX/XX/XXXX ( XXXX XXXX XXXX  regarding an alleged debt which I do not owe. I believe Resurgent Capitol Services is acting in bad faith, and have not complied with State and Federal Regulations i.e.. FCRA section 605, 611, [ 15 U.S.C.1681i, 1681g, 1681d and 1681e ] respectively. In addition to Section 311 of the FACT ACT. There is reasonable cause that the information is inaccurate FCRA 1681 by reporting three separate collections on my credit report however, the letter I received is referencing one balance of {$910.00}.

In accordance with the Fair Debt Collection Practices Act, I am requesting all of the following information be provided to me by mail : 1. The official original amount of the alleged debt.

2. Official Confirmation of the full legal name and mailing address of the original creditor for this alleged debt.

3. Documentation Verifying that I am responsible for this debt. In addition, all application documentation including verifying that I signed such purported application as well as validation that I was the actual person who signed any purported application documents.

4. Documentation showing you are licensed to collect debts in the State of Virgina.

Because I am writing to you within 30 days of being notified by your company about this alleged debt, you must cease attempting to collect this alleged debt until after you have provided the information I have requested, which are my federal rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

As stated by FTC FCRA 616,617,621 if you do not comply, you may be sued by the FTC, consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. Comply with my written notifications ( XXXX time since XXXX XXXX ) stop violating my rights and comply as dictated by law and FTC regulations. ( Copy of FTC Regulations eclosed/attached ) If you continue attempting to collect on this debt without first providing written verification, which I have requested since XX/XX/XXXX, you will be in violation of the Fair Debt Collection Practices Act. 
If also continue to contact me without complying as dictated with above requests I will be well within my right to file a complaint with the ( CFPB ) Consumer Federal Protection Bureau. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-08-27
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: TRUIST FINANCIAL CORPORATION (TX)

I am writing to formally dispute several inquiries listed on my credit report that I believe to be fraudulent. I did not authorize these inquiries, nor did I initiate any transactions or applications related to them.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CO)

Nelnet moved alot of our accounts to a new company called XXXX. I believe Nelnet is hiding or moving our student loans around so they dont have to discharge our loans. My school XXXX XXXX was under XXXX XXXX which was a school that was shut down and declared fradulent. My student loan should be 100 % forgiven and released from both Nelnet and XXXX. My loan continues to collect interest each month and when I call them they play XXXX saying they know nothing about XXXX or the discharges. This is very public and has been for XXXX + years.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (MO)

Sent notice to debt collection company asking to validate debt was mine and an agreement with my signature authorizing the release of my personal information to their company, as well as a cease and desist on all communication and collection attempts/activity moving forward. Company failed to vaildate this debt, provide the information requested, as well as remove the account from my credit report with the all 3 bureaus.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

To Whom It May Concern, I am writing to address an issue with my recent claim. After gathering all my bank statements to submit to a third party, I noticed multiple unauthorized transactions from XXXX. I immediately contacted Wells Fargo to dispute these charges and was given the claim number XXXX. 

However, I never received any follow-up communication or an email to submit documents that could support my case. When I reached out to the claims department, an agent named XXXX informed me that the claim would not be refunded because it was beyond the XXXX window and would be declined. 

I find it extremely frustrating that a claim would be denied without a thorough investigation. Why file a claim if its going to be dismissed without any real effort to verify the facts? I urge Wells Fargo to conduct a proper investigation, including confirming that the transactions were not made by me. 

This experience has been deeply disappointing, and it reflects poorly on Wells Fargo 's commitment to customer service.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

I tried fixing the error with Discover Bank and yet they somehow obtained my new address and are now violating me with requests for payment for : DISCOVER BANK - XXXX - {$2800.00} XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (MA)

Complaint Against Bridgecrest Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bridgecrest regarding the handling of my auto loan. 
I have noticed several concerning issues with the terms of my loan that I believe warrant investigation and resolution. I initiated a car loan with Bridgecrest. 
XXXX months ago with a starting balance of {$20000.00}. As of the most recent statement, my balance has increased to {$21000.00} despite making monthly payments of {$500.00}. It has become apparent that a significant portion of each payment, amounting to {$6000.00} over the past year, is being allocated to interest charges rather than reducing the principal balance as expected. This disproportionate allocation of payments towards interest has resulted in my balance not decreasing as anticipated and has caused additional interest to accrue, further exacerbating the issue. I believe that this practice is unfair and predatory, making it challenging for me to make meaningful progress towards paying off the loan. I have attempted to address this matter directly with Bridgecrest but have not received a satisfactory resolution. I am seeking your assistance in investigating this issue and ensuring that the terms of my loan are fair and transparent. I would appreciate it if you could look into this matter and take any necessary actions to rectify the situation. Thank you for your attention to this complaint.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I executed a balance transfer with XXXX XXXX XXXX XXXX XX/XX/2023. Although New York and Company declined to accept an electronic check, XXXX XXXX promptly sent a paper check. I checked two weeks later and found that the payment was not posted and it was due. I cleared my balance in full on XX/XX/2023 to avoid interest charges, as I do with all cards. However, to my surprise, on XX/XX/XXXX XXXX Bank sent me a letter indicating that the check had been sent to NY and Co over 30 days ago and because it was uncashed, they put a stop payment on the check. On the 33rd day, NY and Co attempted to cash the check, which unfortunately bounced. Despite maintaining a zero balance for two weeks, I was charged a fee.NY & 7 CO insists that the fee is VALID, while I remain convinced that it was reasonable for the bank to stop payment but not reasonable for NY and Co to hold onto the check. I called NY and Co to request cancellation of the fee, but they refused. I AM SEEKING ASSISTANCE IN THIS MATTER. This fee should not have been passed on to me. 

The bank that sent the check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Check Receiver : NY & CO/ Comenity Bank XXXX XXXX XXXX XXXX TX XXXX XXXX Commenity may have email as XXXX or XXXX XXXX
Consumer complaint received 2024-08-26
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: BARCLAYS BANK DELAWARE (NJ)

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - XXXX XXXX. Opened XX/XX/XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX XXXXXXXX. Opened XX/XX/XXXX Balance : {$20000.00} -Barclays Bank Delaware XXXX Opened XX/XX/XXXX Balance {$14000.00} appears to be inaccurate and unverifiable. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section 611 ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the credit reporting agency must remove the disputed information.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo Bank issued a statement resolution of claim Reference # : XXXX. {$310.00} was reimbursed in my account for unauthorized transactions. However the bank declined to reimburse for the remaining transaction because I reported the unauthorized transactions more than 60 days after the transaction. The unauthorized transactions took place from XXXX to XXXX that amount to several XXXX dollars.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, XXXX unauthorized transfers were made without my consent. The first was a a {$8500.00} transfer from Saving to Checking within Wells Fargo, and the second was a {$11000.00} Wire transfer to an outside bank account. I called immediately when I got an alert. Wells Fargo asked for a letter from my cell phone provider and phone records and I provided them on XX/XX/scrub> 2024. I submitted the following letter and supporting documentation and followed up with an email in the Wells Fargo email system XXXX weeks later asking for an update. Wells Fargo has yet to respond.
Consumer complaint received 2024-08-26
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: TRUIST FINANCIAL CORPORATION (AL)

I HAVE CONTINUED TO DISPUTE THE REMOVAL FROM OLD CHARGED OFF CREDIT THAT WAS REMOVED DURING BANKRUPTCY AND THEY REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (FL)

LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX THIS {$340.00} DEBT IS NOT MINE. I REPEATEDLY REQUESTED FOR ORIGINAL DOCUMENTATION I SIGNED THAT SHOWS I AGREED TO THIS NONE HAS BEEN PROVIDED. 

IM FILING A LAWSUIT THROUGH MY LAWYER AND TAKING LEGAL ACTIONS. 

REMOVE THIS DEBT IT IS NOT MINE I NEVER AUTHORIZED OR SIGNED FOR IT>