davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX I sent {$360.00} to my girlfriend for rent & other expenses, on XXXX It was linked to her USAA account, which had recently been closed I contacted my bank, XXXX to try to reverse the payment and they said they could not Then we contacted USAA and they are unable to locate the funds and return it. 
We did 2 cases with them and both times we just waited 2 weeks for them to say they couldnt help us, when the {$360.00} was processed and sent to a USAA account under my girlfriends name, XXXX XXXX Im really trying to get these funds back and USAA has been no help to us.
Consumer complaint received 2024-07-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

every time i try to use my gift card, no matter online or in person, it never works. I got this for my birthday, and i think it is unnaccaptable that a company like Amex can not get simple XXXX dollar gift cards to work.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MA)

Dear XXXX XXXX XXXX ; Comenity Bank / CCB ; Atty XXXX XXXX XXXX ; This is fraudulent and not mine account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (AZ)

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 Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 

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 accounts without my written instructions.

15 U.S. Code 16812 - Responsibilities of furnishers of information to consumer reporting agencies. 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 Please deleted all this wrong negative accounts off my credit report immediately.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : AMERICAN EXPRESS XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

On XX/XX/year> i received a phone call from a relative someone was looking for me the relative then told the man I was not at the residence. I was never notified directly of the lawsuit for a debt was never given the summons. I didnt find out until I searched online that there was a suit filed against me. I then found the forms outside my residence on the floor. I responded to the suit on XX/XX/year>. They did not serve me directly, now they are attempting to submit a judgement of default and I have the right to arbitration. Regardless of the outcome Im more concerned as to how they are serving people when they are submitting claims against them without properly serving them.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (IL)

In XX/XX/XXXX, I financed a purchase using a XXXX XXXX-interest financing plan provided by Comenity Bank. The promotional period was set to expire on XX/XX/XXXX. Unfortunately, I missed the deadline to pay off the balance in full, resulting in an interest charge of {$3100.00} being applied to my account on XX/XX/XXXX. 

Due to my XXXX at the time of the purchase, I experienced significant memory loss and do not recall the terms of the financing plan being clearly communicated to me. As a result, I was unaware of the exact implications of not paying off the balance before the promotional period ended. 

Upon realizing the mistake, I contacted Comenity Bank 's customer service to explain the situation and request a waiver or reduction of the accrued interest charges. Despite my efforts to resolve the issue and my willingness to pay off the remaining balance immediately, I have not yet received a satisfactory resolution. 

I am seeking assistance in resolving this matter by having the interest charges waived or reduced, considering the circumstances surrounding the initial purchase and the lack of clear communication regarding the financing terms. 

Actions Taken XX/XX/XXXX : Financed a purchase with a XXXX XXXX-interest plan. 
XX/XX/XXXX : XXXX period expired. 
XX/XX/XXXX : {$3100.00} in interest charges applied. 
XX/XX/XXXX : XXXX Comenity Bank customer service to request a waiver/reduction of the charges. 
XX/XX/XXXX : XXXX Comenity Bank customer service and talked to supervisor to request a waiver/reduction of the charges. I was informed the charges could not be waived or reduced. 

No personal information, such as my name, account number, or address, is included in this summary. I am prepared to provide additional details if required to help identify my account and resolve the issue.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (GA)

PHH is attempting to foreclose on my property using a robo fraudulent assignment. The loan was originated by XXXXXXXX XXXX XXXX this company was found guilty of mortgage fraud during the time that this loan was originated. This loan was securitize fraudulent. The alleged vise President XXXX XXXX was not the Vise President shes a well known robo signer. 
PHH is also guilty of dual tracking on XXXX XXXX XX/XX/year> they generated and mailed a partial claim which did not reach me until reach me until XX/XX/year> This in response to my request for loan modification.The XXXX  was never acknowledged. I mailed a complete application for assistance form their website XX/XX/XXXX. 3 day before receiving the partial claim.. I dispute the balance and asked for proof of debt all at same time of inquiring about the loan modification package but instead they didnt respond to any of the concerns I had nor would they provide any assistance to help. 
They had a completed loan modification package in their office but instead of working with me they referred my loan to foreclosure. That is considered dual tracking. I am XXXX XXXX XXXX and they are trying to foreclosure on my home because the equity that I have in my house. 
The originator of this loan was found guilty of mortgage fraud and this loan was also apart of the XXXX XXXX  settlement from the Department of Justice and all of the state attorney generals. 
They have not responded to my notice of error, my XXXX  or my request for debt validation They are also foreclosing on a dead person my wifes name is on the house and they didnt notify the estate of the foreclosure
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC (OH)

XXXX XXXX XXXX have repeatedly called me for months on a debt they purchased from a credit card company. I hit hard times and have two cards I defaulted on. I asked them to stop calling me and they have not. I will have the money to settle the accounts soon and when I do I will absolutely pay it, but currently I do not have the expendable income and now they are calling me at work. I work for a company that they have to call the front desk and be connected to me and they are making me look bad at a job I have had for XXXX years where I am trying to move up the ladder so I no longer have issues like this.
Consumer complaint received 2024-07-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Incomm Holdings Inc. (CA)

I bought a Vanilla gift card in XXXX, it did not work. I filed a claim after weeks of trying to contact the company. I received a check in the mail that I then deposited to my bank with my phone. I received a notification XX/XX/XXXX that the check was rejected. I was told by my bank to contact the issuer for a new check. When I contacted the company they said they couldnt help me and that they dont have my money because it was on the check. This is false since the refund check never went through.
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: HOVG, LLC (GA)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

Dear AshmerCollectionServices, I am writing to dispute the debt you claim I owe. I have no record of any contract or agreement with your agency. Please provide written validation of the debt, including proof that l owe this debt and that your agency is authorized to collect it. Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ), a debt collecto can not make false or misleading statements, Failure to provide this information may constitute a violation of the FDCPA. Until you provide the requested validation, please cease all collection efforts. 
If this issue is not resolved, I will file a complaint with the Consumer Financial Protection Bureau and my state 's attorney general.i have given amshercollection service plenty of time and opportunity to provide me with the necessary documents, and they have failed to do so .i have no account number or anything to provide you with because I have no relations to this debt! And you clearly can not provide me with the requested information. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

My account was closed without any reason. I did nothing wrong. A payment was received from the XXXX website, then they requested documents, and then my account was closed. Please solve my problem and escalate it to the relevant authorities.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NM)

Person who signed check over to me came to branch with me and with check in hand. We gave the check to banker and told her the company is showing check was cashed by bank BMO not on a freeze. Therefore this has caused me to not have XXXX of my auto pmt to my homeowners ins not paid, now Im sitting with no homeowners ins. I live on a fixe come from my XXXX and my widow benefits. I talk to fraud dept and they were very hateful to me, when I asked for their supervisor name. The girl said Im the supervisor Im the one whos doing it, I asked again she replied by sighing heavy and discontinued the call. I do not have her name or any other, although I am told when I calll in 15 days, then 30 days, the last one today up to 45 days. 
I am XXXX XXXX XXXX and stress is a major factor in keeping my XXXX XXXX check preventing a relapse which cause more XXXX XXXXXXXX. 
Please help time is getting closer for my checks to be direct deposited and they have already told me my auopmts will not be paid as they did with my insurance. I dont know what else I can do, please help my power bill is about to be disonnected also,. With all this stress I dont think I will ever help another friend again, if This is what going to happen Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-10-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (WV)

My XXXX was repossessed after the company failed to help when I requested help in extending my payments when going through a hardship of divorce and unemployment due to XXXX. I then tried to catch up on my payments and they refused to take any payment from me, and said that my loan was in repossession status. THEY DIDN'T COME AND GET MY VEHICLE UNTIL XXXX OF XXXX! I had storage fees charged to me and everything with the repossession and having to wait so long for them to come get it. I was very displeased over this company having no sympathy in the situation and not even trying to find a solution with me. My credit was wrecked over a 2-3 month period just because life happened.
Consumer complaint received 2024-07-25
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: JPMORGAN CHASE & CO. (FL)

XXXX made a payment to my credit card, accidentally paying the balance in full, {$16000.00}. 

To my surprise I immediately called credit card company to stop the payment, they told me it was too late and to wait till the 8th when it posted and cleared. 

This placed me in the most intense financial hardship as my account was overdrawn for over {$10000.00}. Within 2 days my overdraft protection kicked in and I waited. It was still difficult as I had bills to pay and only enough available credit to cover the payment. 
A few days went by and i noticed my chase card was a zero balance, paid in full. When the 8th came around I i immediately called chase to reverse the payment. 2 days later it was reversed and I paid my overdraft account and all was back to good. 

The next day i checked to ensure my min payment was made to chase credit card and my balance was restored only to find that i now owed over {$33000.00}. I immediately called and the agent made me feel good believing it was a Clerical mistake as someone also processed a reversal, i told her it was odd because i didnt get another deposit so where is that reversal money they have now charged me. 

2 days later im told by chase the payment team reviews and its correct. They continue to tell me my payment never cleared! It cleared alright! I was penniless for almost a week and overdraft protection charge of {$10000.00} that i had to pay back I have called many times and I am at a lost with no place to turn. I have demanded proof and yet to receive anything, my credit immediately dropped to poor and so did my husbands. This cant be happening! We just retired from th military after 20 years and have just began to open our business. This is messing with my livleyhood and we have no recourse. 

Please someone help
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I received pre-approved offer of a credit card from XXXX, which I accepted online. Approximately 10 days later, I received a letter from XXXX, denying my card for the reason of : " Elements associated with fraud. '' I have never committed fraud. 

I am not aware that fraud has been committed on any of my accounts, which I monitor regularly and balance my accounts each month. 

When I contacted XXXX to receive an explanation, I was transferred several times, and none of the departments understood the issue, none were able to correct, and each wanted to quickly pass me off to someone else, who in turn lacked the basic skills to address this problem.