davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery called told me they were calling to collect a debt I asked them if they could mail me something with my signature along with something showing I had a agreement with them.I haven't received anything. They called again I asked them did they send anything out to me the person read off a address I never heard of I give them my correct address still haven't received anything in the mail.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MA)

I have XXXX miles available to use on my Barclay XXXX for a cash redemption value of {$3500.00}. I have an expense of {$4500.00} for a recent hotel stay that I originally planned to offset with miles. 

Barclay requires users to make their purchases then apply miles to the purchase after it is shown on your statement. When I went to use my miles, Barclay is capping the amount of offset at {$2000.00}. I am effectively out {$1500.00} for a reason I do not understand.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: California Business Bureau, Inc. (CA)

I got a call from California Business Bureu which is collection agency, saying that I was in collection from a medical bill. I got the information and clarify to them that the person they were looking for was not me. I went to the hospital that they were stating I had the outstanding balance and they had no records of me, not with my name, date of birth, phone number or social security number. I called them again and explained to them the situation and again said it was not me and the following day they sent me collections.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

PORTFOLIO RECOVERY HAS BEEN SENDING COLLECTION NOTICES IN THE AMOUNT OF {$1300.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MI)

I have tried to dispute this debt on my credit report twice already letting them know I have lived in Michigan for the past year and a half. Having a medical charge from Texas while I have been living in a women 's shelter across the country is impossible, let alone two of the same charge from an AssetCare LLC. These are dated XX/XX/XXXX for {$980.00} in XXXX, Texas. I have lived in Michigan sincXXXX XXXX XXXX XXXX and currently reside in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

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. 

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 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TransferWise Ltd (CA)

our business account held by wise Bank last few years suddenly unable to login and try to follow up the link they sent me but it shows error message. I believe there was no mistake from my side it is horrible need your support to fix. We are in the process to get was a loan and it approved by other financial institution. If account is closed the loan will be terminated.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MN)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-19
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (IL)

I called target credit in XXXX about my redcard. I paid off the balance of the card and was advised that a replacement card was on the way. I called XXXX again XXXX XX/XX/year> at XXXX. I was advised by a person claiming to be a Supervisor that my account was still on a payment plan despite the account having a XXXX balance. I advised him to look at my account again because it can not have a payment plan without a balance due. He stated there was nothing he could do. I was also advised that the card would take 7-10 business days. I told him I had already waited several weeks and I should not have to wait another 7-10 days for a card. This " Supervisor '' then hung up on me. I called back at XXXX XXXX and spoke to a XXXX XXXX She advised that she was told by the payment plan department that the payment plan would remain in place until XXXX and there was nothing that could be done. Even though there are not payments to be made and she could not have another card issued to me. I requested some sort of email confirmation of this and she refused. She stated she would attempt to request a card but could not guarantee it would work and I would have to call back to see it if worked.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING in the amount of XXXX I do not know or ever heard of this company and as a result they have it reporting negative remarks on my credit which has resulted in my score dropping and being denied my credit securities which is a violation in the FCRA. I never opened any accounts on XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, Any deviation from these standards could jeopardize the integrity of the data you provide, which is a serious issue. Therefore, I urge you to ensure that all of the information you have provided is accurate and properly formatted. The claims that are noted in your report are disputed and have not been confirmed as facts. I am also requesting that you take care of any false accounts on my credit report and fix this issue as soon as possible, as it could have financial implications for me in the future if left unchecked. I can not accept anything less than 100 % accuracy on my credit report. I demand that only factually accurate, verified, and compliant data is documented in my credit report. 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX This is completely inaccurate. - When I saw this account I noticed right away that the late remark started as late 30 Days right after a good payment. How is that possible? Please remove this inaccurately reported account.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

I accidentally transferred money from My cash app account to my bank on XX/XX/XXXX. On XX/XX/XXXX a filed a dispute with my bank for them to refund me the money. On XX/XX/XXXX my bank sent a letter of confirmation saying my dispute was successful and that they refunded the money back to cash app and that cash app would be responsible for putting the money back into my account and that the bank would not be liable anymore. Well I still do not have the money in my account and I have opened case after case with cash app and all they say is theres not enough information and they close the case. Ive provided the confirmation letter to them, the transaction id, the trace id, and the merchant operator code that my bank gave me that was associated with the refund to help them locate the funds and put them in my account so for them to say they do not have enough information is laughable. They are just trying to steal my money. Please help me. Cash app is doing nothing.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

This account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CCM Finance LLC (FL)

CCM Finance repo my car and I did not owe them a payment. My payment was just due on Sat and they took my car two business days later. 
I called them to resolve the issue and they told me that I would need to pay the full amount of the car XXXX XXXX However, they sent me an email stated that I would need to sign a form for Voluntary Repo. 
I was willing to make a payment, my payment was only two days pass due. XXXX from the XXXX department would not give his last name and was very rude. 
I went to the recovery and was not given my belonging. I called CCM Finance back to inform them of my experience and I was hung up on.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (IL)

I have been dealing with identity theft since XX/XX/year>. This morning, while attempting to print a photo for one of my twins ' presentations that went to the spam folder, I saw about 5 emails from XXXX XXXX XXXX. XXXX email stated, " Final Warning. '' My computer indicated I should not open the file, so I did not click any links. However, I glanced over it to get the gist. It indicated I owed $ XXXX in funds from a loan from Speedy Loans and listed a myriad of violations. I have never heard of such a company, nor have I opened any accounts with them. Almost daily, I receive texts from companies indicating I am approved for loans I have to send a message that I have not applied for any loans. Do not accept any applications. I am a victim of identity theft it is fraudulent. 

I need help cracking down on this. My credit score has plummeted since all of this has occurred. I need local and federal authorities to assist in finding this group ( it is definitely a secret coup ) who is stealing my identity and wreaking havoc on my credit.
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: First Help Financial, LLC (NY)

On XXXX XXXX XXXX I paid the current month and the upcoming month in XXXX payment. I called and spoke to a representative at First help financial and was told it was find. The following month the company attempted to draw funds again for the month that was already paid resulting in NSF fee and a mark against my credit for non-payment. 
I called the company again on XXXX XXXX XXXX  to ask about the additional fee and the NSF in the system on my account. 
I requested that the fee be removed and was told that there was a NSF fee and it can not be removed. 
Company refused to reverse the NSF fee. 
This company is not fair to customers and has no representation here in the US that understand financial law.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute and Complaint Against LVNV Funding LLC for Violation of the Fair Debt Collection Practices Act Dear Sir/Madam, I am writing to file a formal complaint against LVNV Funding LLC for their repeated contact with me after I expressly requested that they cease all communication. This conduct is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ) and 15 USC 1692k. 

Background : On XX/XX/year>, I communicated with LVNV Funding LLC, requesting that they cease all further communication with me regarding the alleged debt. Despite this clear and unambiguous request, LVNV Funding LLC has continued to contact me, which constitutes harassment under the FDCPA. 

Violations : 15 USC 1692c ( c ) Ceasing Communication : According to this section, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wishes the debt collector to cease further communication, the debt collector must cease communication with the consumer except under specific circumstances outlined in the law. LVNV Funding LLC has failed to comply with this requirement. 

15 USC 1692d Harassment or Abuse : The FDCPA prohibits any conduct by a debt collector that is intended to harass, oppress, or abuse any person in connection with the collection of a debt. LVNV Funding LLCs actions have caused me significant distress and XXXX. 

15 USC 1692k Civil Liability : Under this section, I am entitled to take legal action against LVNV Funding LLC for their continued harassment, which has directly violated my rights under the FDCPA. I am aware that this statute provides for actual damages, statutory damages, and attorney 's fees. 

Requested Action : I respectfully request that the CFPB investigate this matter and take appropriate action against LVNV Funding LLC for their violation of federal law. I also request that LVNV Funding LLC be directed to cease all further communication with me immediately. 

Additionally, I seek compensation for the distress caused by their unlawful actions and any other remedies deemed appropriate under the FDCPA. 

Please find enclosed copies of all relevant correspondence, including my original cease communication request and subsequent communications from LVNV Funding LLC. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and appropriate action to enforce my rights under the FDCPA.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (GA)

Received a loan for {$500.00} in XX/XX/year> to pay bills. Finance charge was XXXX. Total of payments was XXXX. Interest rate was at 696 %. Paid on the loan from XXXX til XXXX and failed to repay and caused financial hardship for me and my family after Covid 19 Pandemic.
Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

My checking and savings account were levied a total of {$840.00} from my bank account. I was told by Wells Fargo that if I handled the problem the XXXX ( XXXX ) had with me, and the XXXX faxed Wells Fargo a release-of-levied-funds letter by XX/XX/2017, they would return said funds to my accounts. I handled my problems with the XXXX and they, in turn, sent Wells Fargo a fax to release my levied funds ; a fax for which the XXXX received a return confirmation fax from Wells Fargo, at XXXX on XX/XX/2017 with a " Withdrawal of Withholding Order # XXXX '', confirming they received that fax from the XXXX. 
On XX/XX/XXXX Wells Fargo disregarded the release-of-levied-funds fax from the XXXX and sent those levied funds to them anyway. When questioned, the Wells Fargo legal department said they did n't receive the release-of-levied-funds fax from the XXXX until XX/XX/2017, which was past the XX/XX/2017 cut-off date. Wells Fargo told me those funds are gone and there 's nothing I can do to get them back. 
The XXXX faxed me the confirmation fax they received from Wells Fargo at XXXX on XX/XX/2017 ( included ) that proves when Wells Fargo received that release-of-levied-funds fax. The Wells Fargo legal department has lied to me and I have the proof! 
I keep being charged for overdraft protection for automatic payments that were in place, because Wells Fargo did n't return my money as they said they would! I have no money! I ca n't even feed my mother, for whom I take care of, and I 'm running out of gas in my car and I do n't know when I 'll get paid next. I have borrowed all I can from friends. I have all documentation from the XXXX ( including a voice message sent on XX/XX/2017 saying they faxed the release-of-levied-funds letter ) showing that a mistake was made on Wells Fargo 's part and nobody else 's.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-07-24
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. (MS)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States 2 : It also a consumer reporting agency can not furnish an account without my written my written instructions. 

Account XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks