davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : Sunrise Credit Serv Address : XXXX, NY XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX Dear Credit Sunrise Credit Serv : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: LAKE MICHIGAN CREDIT UNION (NY)

I wanted to close my checking account and all accounts with XXXX and tried to remove the last of the funds in my account totalling {$72.00}. It was in parentheses but there was no minus sign. When the transfer went through, I got hit with a {$60.00} overdraft fee XXXX now my account says- {$100.00}. I don't understand how I'm somehow down over {$100.00} in my checking account. I don't remember agreeing to overdraft charges and a balance of XXXX should not be considered overdraft. XXXX is XXXX, not negative. This feels like theft.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II (WA)

I took out a loan and am not able to pay it back. I asked that they stop automatic payments. I also instructed my back to stop withdrawals from ELoan Warehouse. 

They sent me an email today saying I'd committed fraud and threatening me.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc. (SC)

I am filing a complaint regarding Kikoff Lendings failure to properly apply my promissory note to my account as payment in consideration of value. Despite fulfilling my obligations under the promissory note, Kikoff has not credited my account accordingly, resulting in inaccurate account status and potential harm to my credit. I request immediate correction of this error and proper application of the payment as agreed.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (TX)

For some reason One Main Financial called my place of employment yesterday- my supervisor notified me " One Main '' requested I call them. I was late for a payment and have made the payment, but One Main could have called me at my number at home.If they had did that they would have learned I am haveing difficulty and planned to make the payment the next day. In the past this is what has been done.

They should have contacted me for question with a detailed message via my phone number. They could have also contacted me via my email address for texted me.

They shoud NOT call my place of employment. Not only is this embarassing it seems like harassment. I did not like this at all and I am angry One Main did this.
Consumer complaint received 2024-10-15
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: CITIBANK, N.A. (MA)

I have a general purpose credit card with Home Depot. This credit card was used by an unknown individual to make a very large purchase ( > {$12000.00} ). The purchase was substantially all of the credit limit available on the card. The charge was made in store during XX/XX/year>. 

The charge was for the following items : XXXX XXXX gallon hot water tanks, XXXX XXXX flood light camera, XXXX XXXXXXXX XXXX XXXX XXXXnd shower faucet, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cordless tool set, XXXX bundles of red oak wood flooring, XXXX bundles of XXXX XXXX solid hard wood. 
These purchases appear to be from some sort of construction contractor and not typically something you'd expect to see on a personal credit card.

For a purchase this large, you would expect to require some sort of proof of identification and require a signature. 

I immediately disputed the charge through the Company 's online credit card platform. It was initially removed, pending investigation, however, months later it was placed back on the card. After calling multiple times to figure out what happened, the investigating team would not provide an adequate explanation as to why or how they determined the legitimacy of the charge.

I began the process of filing a policy report with the police department so that I had something on file. The police department informed me that they do not handle credit card theft/disputes/fraudulent activities and to follow the dispute process available through the Company website. 

I consistently made my claim that the charge was fraudulent and that I wanted to understand what steps were taken by the investigating team. I asked for details pertaining to who they spoke with, if they viewed or have copies of the in-store video footage, etc. I was never provided this detail, yet they concluded that the charge was legitimate. 

I continued to dispute the charge and had them re-open the investigation. Unfortunately, the same scenario played out where I was never contacted by anyone for further information. I only realized that the investigation had been closed when I saw the charge back to my account. Again, I called multiple times to get to the bottom of the investigation and conclusions reached but still got no where. 

Now the charge has been filed as delinquent by Home Depot and it appears on my credit report as a delinquent/missed payments.

It is not fair to a consumer who is not responsible for a significant charge to get no valid explanation for the conclusions reached, to have to constantly deal with the stress of a massive credit card bill that was not theirs, and to also have their credit report negatively affected.

I don't know what else to do about this fraudulent charge, how to get it off of my credit card/credit report, and how to repair my damaged credit report.
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (OK)

I received a text message saying i was approved for a loan with Avant with a documemt to sign but i didn't sign it XXXX when i did think about signing it the link had expired i talk to avant and they said they didnt send me anything the document had there name on it with the amount that was was approved for
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I had a friend who had asked me if I could help him move money off of his Venmo. I was decently close with him at the time and i have helped him XXXX money to his mom before. Well it was a ridiculous amount. about XXXX. I was stunned at first and just asked him what the XXXX. He told me he had been saving money for a while and had some money from his refund check for school which made sense to me. He had no way to get it to his XXXX XXXX to send to his family and asked if could help him. So I was just trying to be a friend and help and then next thing I know I got hit with a Venmo transaction dispute and when i went to ask him what the XXXX he just told me he doesn't know why and doesn't respond to me much more. The more i looked into it im starting to think my kindness was taken for granted and i got scammed by who i thought was a friend.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XX/XX/XXXX repo Late Payment XX/XX/XXXXInquiry : XX/XX/XXXXXX/XX/year> Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (AZ)

I agreed to settle the account PAID IN FULL by XX/XX/XXXX for {$5500.00} cashiers check was mailed XX/XX/XXXX and received and cashed by plaintiff 's attorney as part of a stipulated agreement. 
The attorney has acknowledged this agreement and filed a Stipulated Order if Dismissal from the court Case # XXXX with prejudice XX/XX/XXXX. 

I received a collection notice from Discover XX/XX/XXXX for the remaining balance despite ignoring the stipulated agreement.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (MA)

I've been getting alerts for new account inquiries from XXXX via the SSN protection program. I do not recognize these activities and have contacted XXXX for additional details. I was advise to file a fraud report with the credit bureau for further protection
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : 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 {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Personal Information Former : XXXX XXXX Also Known As : XXXX XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Address ( es XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (TX)

This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws.The severity of not taking my situation seriously has resulted in financial harm, defamation of character, and a 60-day silence.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My account is on freeze because my husband is a co-holder of the account and he had a problem with the bank with ANOTHER personal account, so they blocked both accounts. Now my account which im the MAIN holder, doesnt have any irregular activity. All the money i have has been deposited from my job and has nothing to do with whatever investigation they are doing with my husbands other account. I have {$1900.00} on hold and all my payments including rent, credit cards, utilities and food are unpaid which is affecting my credit and my family is going through a huge hardship situation because i can not even take out the money that is proven that comes from my jobs. Capital one closed and restricted my account without me doing ANY type of irregular activity and without me even being aware of whatever situation my co-holder is going through with them..
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

Loans were continuously paid from XXXX to present. In early XXXX under repayment with XXXX XXXX, I noticed other pharmacists were getting loans from the government at a very low interest rate. I called XXXX XXXX and was told I did not qualify. 

As time progressed, XXXX  took over my student loan from XXXX XXXX, and once again I inquired for assistance during the XXXX pandemic and was told I did not qualify. Still seeing teachers, pharmacists, nurses getting their loans repaid while I did not miss a day during of work during that time and still being told I did not qualify. I also informed XXXX  that I was a healthcare professional working for a non-profit organization, yet they continued to receive automatic bank withdrawals for repayment during the period of eligible XXXX  % interest during forbearance. I did not get any real answers from XXXX until the end of XXXX when a representative was kind enough to direct me to Mohela. I am hopeful, but still waiting for the last {$30000.00} to be forgiven. 

In total, I have paid over {$140000.00} in loan payments over XXXX  years. If anyone should receive any of the settlement money from XXXX, it should be me!
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX XXXX currently lists XXXX accounts on my credit report, all related to credit cards from Comenity Bank, with the following details : Account XXXX : Balance of {$560.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account XXXX : Balance of {$450.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account XXXX : Balance of {$1500.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
These accounts were all reported on XX/XX/XXXX, and are marked as derogatory on my credit report. I have made payments toward these credit cards in the past, and I am concerned that these payments have not been accurately reflected in the balances reported by XXXX. I am requesting a detailed breakdown ( a full ledger ) of each account, including all transactions, payments made, and any fees assessed, so I can ensure that the payments were correctly applied. 

I am disputing this information to verify the amounts they are attempting to collect from me.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group (CA)

I financed a roof through foundation finance and the monthly payment changes every month. Its not the same and its on a fixed interest rate the payment shouldnt vary from month to month. 
The principal payment varies as well from month to month. 
I have requested that my account be audited because of discrepancies with their loan practices.
Consumer complaint received 2024-10-21
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. (NY)

i do not believe the debt ( XXXX XXXX ) & XXXX  XXXX ) that is reporting on my credit report is valid. and i would like for it to be deleted off my credit report.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (VA)

Under the FCRA, I XXXX XXXX XXXX can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while you owe the debt. Southwest credit systems did not have the XXXX XXXX or statement but had my information which i did not consent too. XXXX XXXX XXXX.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (GA)

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. XXXX XXXX was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. 

Account in question : XXXX account number XXXX
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (UT)

I received a letter in XXXX saying my account was closed after I've been a customer for XXXX years or more. Maybe 10 years tbh. I have always paid on time, and never had an issue. The letter said that the did it for credit reasons or an agency report. I went to all the credit agencies and got reports they were all clean. 

I called in and appealed. The operator was surprised because he couldn't see the exact reason why. He sent it to the back office. 

I got a letter about 2 weeks later saying that Synchrony can cancel a credit card at anytime. And the initial reason was posted in first letter. 

They have not given me any information aside from that it was internal. 

I had to take a loan from my XXXX to pay it off. And my credit score is now lower than ever because my age of credit dropped. 

They told me I could not re-open the card, but I would have to reapply for a new card. This doesn't pass the sniff test.
Consumer complaint received 2024-09-26
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : Unpaid balance reported as a loss by credit grantor. 
XXXX Account # XXXX Delete this account. 


there is some inaccurate information reporting XXXX XXXX Account # XXXX Please remove it from my credit report. 


Unpaid balance reported as a loss by credit grantor. 
XXXX XXXX Account # XXXX Delete from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX  XXXX Balance : {$680.00}