davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I have not had an account with XXXX XXXX XXXX for at least XXXX  years. I am a XXXX customer currently, and have been for some time. 

In XXXX of XXXX, XXXX XXXX XXXX started contacting me - calling me several times a day, sending emails, etc. threatening to take me to collections if I don't pay my debt. 

As I didn't have an account with XXXX XXXX XXXX, I assumed it must be scammers. 

I did answer one of the calls, and was told repeatedly by a lady who barely spoke XXXX that she couldn't talk to me unless I gave her my PIN. I told her that I didn't have an account with XXXX XXXX XXXX, and therefore didn't have a PIN, but she kept insisting until I hung up on her. Scammers for sure, I thought. 

Well, some time later, I find that XXXX XXXX XXXX has sold this " debt '' to a collections agency, Sunrise Credit Services. This also caused a collection to go on my credit report, dropping my credit score by about XXXX points. 

I contacted all three credit bureaus, and disputed the collection. XXXX wiped it from my record within a day or two. XXXX has yet to respond. XXXX has now denied my dispute, saying they " verified the debt was mine ''. Which is literally impossible because IT IS NOT. XXXX is either lying and participating in this fraud with XXXX XXXX XXXX, or they're too lazy to do their jobs.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

XXXX. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 
XXXX. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. 
XXXX. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (GA)

This is the second time I have filed a complaint with XXXX about this problem. I obtained a personal loan from Citi to be dispersed to my XXXX XXXX XXXXXXXX account on XX/XX/year>. The routing number supplied was wrong, and the dispersement never went through. I filed a complaint with CFPB and they claimed they made the dispersement, and closed the claim, but the money never came through. This could be resolved by my giving an alternative bank to disperse the money, but Citi never wants to have an individual talk to me to resolve this problem. This has been going on for XXXX months and they are charging me interest on a loan for {$300000.00} they have never dispersed. If this is not resolved in 7 days I am filing criminal charges for fraud against citibank for financial fraud.
Consumer complaint received 2024-10-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

To Whom It May Concern at the CFPB, I am submitting a complaint regarding Portfolio Recovery Associates for their failure to validate a debt they reported on my credit. This account, listed as a closed collection/charge-off with a balance of {$1100.00}, is negatively impacting my credit report. 

Account Information : Creditor : Portfolio Recovery Associates Account Number : XXXX Balance Owed : ** {$1100.00} Summary of Issue : I have never done business with Portfolio Recovery Associates XXXX nor have I received validation or documentation to confirm this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification, and without validation, I can not confirm my liability for this account. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account.

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX SS : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> To Whom It May Concern, I do not believe the credit report is valid. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond over 34 days. Do not delay any further, remove all disputed accounts now.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ten ( 10 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (PA)

Recently, a friend sent me {$1700.00} on CashApp. Expecting a smooth transfer to my primary bank account with XXXX, I chose the free transfer method to avoid fees, as I had done in the past. However, the funds were unexpectedly deposited into a dormant XXXX XXXX XXXX account instead of my XXXX account. I was unaware this XXXX account was even linked to my CashApp profile. 

To retrieve my funds, I had to contact XXXX to gain access to the account. I then attempted a deposit back to CashApp, assuming it would pull from XXXX, as the branch is over an hour from my location. Instead, CashApp debited the amount from my XXXX account, causing an overdraft and other complications. 

I contacted CashApp support to request a waiver of instant transfer fees to expedite a refund to my XXXX account, explaining that this was an unintended error. My request was denied. Additionally, my bank informed me that CashApp attempted the debit multiple times before it succeeded on the third attempt, adding more confusion and unexpected fees. Overall, this incident has now cost me {$29.00} in instant transfer feesthe very fees I was trying to avoid. 

I am requesting that CashApp refund these transfer fees. Due to this error, I now have to make a time-consuming trip to the XXXX branch to access my funds, incurring additional travel expenses. I have valued the convenience of CashApp, but this experience has caused undue stress and financial burden.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IL)

I purchased a jewelry item from XXXX. Upon my attempt to return the item, I was informed that 60 days had passed, and I would be unable to return the item for store credit or return to card. However, there was no policy clearly stated throughout he store or on a receipt. The store clerk also did not ensure that I was aware of the store policy. I simply wanted to return the item because I had no use for it. I gave a copy of the receipt to the store as well as the banking institution as well as the store manager for XXXX. Still there is no resolve. This is in fact impacting my credit because I am struggling to keep up with the payments for an item that should have been returned to the store. The company should make their policy clear for the consumer so that they are able to make an informed decision regarding their purchase.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

on XX/XX/XXXX i got scammed out of {$310.00} by a merchant known as XXXX XXXX XXXX  on cash app i dispute with cash app and its taking them a while to give me my refund. i brought a virtual item off XXXX  for {$310.00} and i never received the item as it was taken off my account and the merchant couldnt give me a refund saying its not their problem. im currently trying to dispute it with cash app.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recently checked my credit and disputed this erroneous account. I am now requesting proof of the previous investigation of account XXXX XXXX  account number XXXX. As this erroneous account has been so called verified, I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this erroneous account is of my doing and accurate. 

( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) ( XXXX XXXX XXXX 1997 ) *Information furnished need to be maximum possible accuracy* if you can not provide me with this information in XXXX  days remove the account from my credit file and send me a copy of my updated credit report. If failure to comply I will seek monetary compensation for violations pursuant to XXXX XXXX XXXX.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NV)

On XX/XX/year> I looked at my account and notice duplicate transactions. I also noticed the discrepancy in my account balance ranging with these duplicate transactions along with a refund from a merchant that was again taken out. I called the XXXX customer care and it was acknowledged that the duplicate transactions exist not just in the digital app but in their end as well. The representative placed me on hold and returned stating, I see the duplicate transactions but you were not charged. I then explained how my balance in fact did change and even in days when I did not make transactions to the next transaction there was a great difference. I asked to speak to a supervisor and was on hold and constant told no person was available. 

At this time I have no clue what my true bank account balance is and I have to take off of work to go into the bank in order to discuss this issue.
Consumer complaint received 2024-10-21
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: Incomm Holdings Inc. (CT)

This complaint is not a duplicate. This is a new complaint based on continued issues with newly purchased card. Gift card was purchased on XX/XX/year> and attempts to make purchases were made on XX/XX/year>. Upon use of the card ending in XXXX, transactions were blocked at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If a purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with previous cards purchased. So instead of more replacement cards, I am respectfully requesting that a check with the purchase fee be sent to my address. Attached is copy of the receipt of the gift card purchase and the gift card itself.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (PA)

I noticed this account in my credit report I filed a complaint with the debt collection company. I asked them to remove it since it was not mine and I asked for the original contract. They sent me the contract and claimed it was verified with the original company to be mine due to my personal information being in the contract. However I looked at the contract and the information listed IS NOT MY PERSONAL INFORMATION. The phone number, email, the signature and the address was not mine. I can show proof of my signature by showing my drivers license, I can show proof of address by sharing a copy of my lease. And the phone number and email never belonged to me. I told the company Zion Debt this information and they are not trying to help resolve this. I need help to get this removed I can provide whatever information needed to make that happen. I told them that my name was fraudulently used. I submitted my lease from that year that proves I did not live there and it also had my email address on it that I also attached
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Well, I would like them to send me a written notice with my full name, Social Security number, the date when this alleged debt began, and records showing which company I supposedly owe. I want the names, addresses, Social Security number, and all the relevant information they claim to have, provided to me in writing. If they can not provide these details, I would like the debt to be removed from my credit report, as it is unfair for them to have no valid information about me while I allegedly owe them money. 

I also want to know exactly which company they are, because according to what I found online, they are a law firm. If thats the case, then they should have all my information. For me, the solution would be simple and practical : either they provide the necessary details or they remove this debt from my credit report.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I was denied a credit card due to my XXXXXXXX XXXX but per their own prospectus they state " XXXX XXXX XXXX XXXX XXXX are based on independent, third-party information, the accuracy of which we can not verify. '' I was not given valuable consideration in this process and they are violating their own policies
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

I was scammed into sending money to a person through Cashapp. 

I have reported the issue to Cashapp but they are not providing me with any solution. 

Their process just sent a message to the receiver of the money for a refund but obviously that person is not going to send the money back.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC (AL)

Dear CFPB Representative, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding a matter involving the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692i, which addresses the venue requirements for legal actions concerning debt collection. I believe this situation may require further investigation to ensure compliance with federal law and consumer protections.

Summary of the Issue I have reason to believe that a debt collection a
gency or third-party collector may have taken or is threatening to take legal action, foreclosure, against me ( or a related party ) in a venue that does not comply with the provisions set forth under 15 U.S.C. 1692i.

As you are aware, this section requires that any legal action on a debt must be brought : 1. In the judicial district or similar legal jurisdiction in which the consumer resides, or 2. In the judicial district or similar legal jurisdiction where the consumer signed the contract underlying the debt.

In my case, the venue in question appears to be inconsistent with these statutory requirements, raising concerns about potential violations of my rights under the FDCPA.

Request for Review and Assistance I respectfully request the CFPBs assistance in reviewing this matter to ensure compliance with 15 U.S.C. 1692i and to protect my rights as a consumer. I ask that the CFPB contact the relevant parties and take appropriate action to enforce the law. 

Additionally, I formally request a copy of the Promissory Note with the original wet signature. 

I also request an investigation into NewRez LLC. They violated my privacy by sending a letter of default to my rental property, where my tenant intercepted the letter. As a result, my tenant has experienced anxiety, fearing they may need to vacate the property. NewRez LLC was never authorized to send correspondence to that address ; I had provided a post office box as my designated mailing address, which they had been using without issue. This recent action appears to be a deliberate intimidation tactic. 

Due to the breach of privacy and the resulting emotional distress, I am seeking compensation for the harm caused by NewRez LLCs actions. Additionally, I am requesting : Set-off of the loan balance, as it is overdue for exoneration. 
Investigation into improper force-placed insurance. 
Recognition of my investment in the property and assertion of my equitable interest. 

Conclusion I appreciate your prompt attention to this matter. Please let me know if further information or documentation is required to assist in your investigation. I look forward to your timely response and a fair resolution. 

I appreciate your attention to this matter. Please let me know if further information or documentation is required to assist in the investigation. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (TX)

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, have violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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.