davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Urgent Alert : Immediate Action Required!

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. 

Moreover, 15 USC 6801 underscores that Congress has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation.

15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither XXXX nor XXXX has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither XXXX nor XXXX has provided such information, thereby failing to comply with this regulation. 

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. XXXX and XXXX are in clear violation of this requirement. 

15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that XXXX and XXXX are failing to uphold these standards. 

Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately.

This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (TX)

Date : The year of XXXX : Fraudulent charges were debited and credited from my account while I was mentally and physically compromised by XXXX Date : XX/XX/XXXX - Lawsuit filed against me, XXXX XXXX for XXXX XXXX ( XXXX ) XXXX credit card debt Date : XX/XX/XXXX : Papers were served to me at my home at XXXX XXXX XXXX, XXXX, TX XXXX Aumount of debt : {$14000.00} Summary of Actions : 1.After falling sick  with XXXX that XXXX  my XXXX, XXXX, and XXXX function, my identity was compromised along with several of my credit cards, among them were XXXX XXXX XXXX and XXXX. 
2.I filed for identity theft with the credit bureaus under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
3.The creditor, XXXX sold of transferred the debt to Resurgent Acquisitions LLC in Delaware, which further sold or assigned the debt to LVNV Funding, also in Delaware ( see attached assignment papers ) 4.I am now in the process of filing a response to the lawsuit by LVNV ; however, I need you to intervene for a dismissal of these charges, since I can not afford legal representation as of my currently depressed financial state.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I sent a letter to XXXX Bank on XX/XX/XXXX tracking by XXXX XXXX. They received the letter XX/XX/XXXX and till this day no response in regard to. Spoke to someone XX/XX/XXXX who said the letter will not be responded to I still owe the balance which is not right at all. That car was XXXX of XXXX in the XXXX and the spec was rare the car should have sold for at least {$48000.00} to {$51000.00}.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/year>, a person called my cell phone introducing himself as a Wells Fargo employee to inquire about XXXX credit cards charges out of state as " WF '' was concerned that these charges might be unauthorized. I said I didn't make these charges, he said he would have the charges waived and new credit cards will be assigned to me. He was also able to get into my XXXX checking accts. and have an amount of {$49000.00} transferred from my business acct. to my personal acct. and then had this amount wired transferred out of the personal account to an account at XXXXXXXX XXXX He also had {$21000.00} wire transferred from my personal acct. to the same XXXX XXXX acct. 
Updates from Wells Fargo Bank, as I call twice every week, is the same, no answer/response from XXXXXXXX XXXX  . Supposedly my claim has been expediated to an " executive '' level due to being a long term WF customer and a good amount of money at the bank.
Consumer complaint received 2024-07-23
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: Upstart Holdings, Inc. (NH)

UPSTART NETW Account Number : XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$8400.00} in accordance with XXXX Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to USAA Federal Savings Bank/ USAA Credit Card Payments on XXXX XXXX, 2024 ( XX/XX/2024 ). They accepted my instrument, but did not credit my account correctly. I did call on XXXX XXXX, 2024 and spoke with XXXX who submitted the dispute and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TN)

This account represents a clear breach of contract and is 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 : CITICARDS CBNA XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Recently I looked at my credit report and noticed several inaccuracies on my report this report concerning this account it is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : USAA FEDERAL SAVINGS BK XXXX Report # XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CA)

i had issues with old credit cards from my previous work. i found out i owe a lot of money. i hired upstart finance to settle with my creditors. which they did after collecting large sum of money from me during monthly payments of {$1700.00} for almost 18 payments. then UPSTART told me that they can complete all settlements if i was to get a loan from their lending company which is CREDIT 9. i agreed even though it is at almost 25 % because i knew once i settle i can then barrow money against my house and pay off their high interest loan. when i attempted to barrow the money from another company against my house i found out that upstart had falsely reported the debt as charge off which had effected my credit rating so bad that i can no longer barrow money until i pay off the credit 9 which is their company anyways. i have called so many time to try to fix it with them and they keep bouncing me back and forth between them and i get no where. i have calculated that at the end of this scam i would have paid more to upstart than my original lenders. i have hired an attorney to deal with my ex employer and their credit charges. but i really need help with this company. this is a scam to make sure i can get another loan. this company appears to be operating under several names : upstaXXXX  ... upstart... credit 9 ..XXXX XXXX. please help
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit acceptance pretty much double charged me financing on a XXXX XXXXXXXX XXXX! The actual car was between XXXX, I have a financed auto loan of XXXX! We have a huge problem here! I have a problem with keeping up with my auto loan because this way too much of a monthly payment! Ive been behind on my vehicle for so many months wondering why its became why APR IS ALSO SUPER HIGH! I called credit acceptance for refinancing but turns out it will take even longer to pay off! MONEY WAS STOLEN FROM ME! Theres no way that Im over charged XXXX when I have a statement this vehicle was between XXXX! That was is ABSURD.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (VA)

Reference number : XXXX Transaction Date : XX/XX/2024 Amount : XXXX $ Beneficiary name : XXXX XXXX Hello sir/Madam Above is the reference number for remitly I have send XXXX $ to the beneficiary but remitly was not able to send the amount into correct account instead they send it to wrong account. I have gaven the correct account details however they deposited money into incorrect account.
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (PA)

These accounts were opened in my name, but I did not open them, they are not mine, please remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I returned two items which I ordered online to Saks Fifth Avenue. I received emails from Saks Fifth Avenue ( which I am attaching screen shots of ) on XX/XX/XXXX telling me that they had received my return for order # XXXX, for the XXXX XXXX, for {$160.00}, and my return of order # XXXX the XXXX XXXX XXXX at {$170.00}. The emails also stated that my Saks Fifth Avenue credit card account would be credited. Today is XX/XX/XXXX business days after I received that email. I will add that last week on XX/XX/XXXX, I called Saks Fifth Avenue 's credit card XXXX number, and I was on the phone for over an hour. The man I spoke with said that I would receive a phone call in 2-3 days, and an email in 2-3 days, following up on my call and informing me that my account had been credited. I never received a call or an email, however this morning I received an email from Saks, telling me that my return for order # XXXX the XXXXXXXX XXXX, {$160.00} had been processed. Though this email noted the correct amount I had paid for the shoes- {$160.00}, when I looked at my account, I saw that it had only been credited {$130.00}. As you may notice this is a difference of {$30.00}! It is true that Saks Fifth Avenue deducts {$9.00} for return shipping, however $ XXXX XXXX {$150.00}. So Saks credited me {$20.00} less than they were supposed to credit me, and I am still owed a credit for order # XXXX, The XXXX XXXX at {$170.00}, or {$160.00}. In total, Saks owes me a credit of {$180.00}. I called the XXXX number on the back of my credit card today ( XX/XX/XXXX ) in attempt to receive the {$20.00} that I was shorted in being issued a credit for only {$130.00}, however the first person I spoke with didn't know how to help me, and neither did the second person. I also want my interest charges to be adjusted accordingly. Saks charges an APR of 29 % .. At this point due to my numerous unsuccessful efforts to contact Saks Fifth Avenue XXXXo receive the credit owed to me, I have zero faith that Saks Fifth Avenue will do the right thing unless they are forced to by someone who can hold them accountable.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NJ)

I had leased from XXXX an XXXX until XX/XX/year> when I returned the car as my Lease was complete. My wife and I decided to purchase her next vehicle from XXXX as that is where our sales XXXX went. Nothing was wrong with this car when I returned it. I have tried to dispute a payment of {$500.00} with credit bureau XXXX XXXX XXXX as this payment is because I did not lease or purchase another vehicle from them. As my friend who use to work for them told me. I even called to ask what the charge was and the person who I spoke to a while back didn't have any answers. All payments were made on my lease and it still shows on my report.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I would like to file a complaint to inform you of some illegal practices of a company called Portfolio Recovery Associates , LLC doing business in the state of Virginia. They are continuously calling, writing and otherwise harassing me over a debt which is not mine. I have asked them to validate the debt made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws with competent evidence bearing my signature, which they have failed to do. This is a violation of the Fair Debt Collection Practices Act 623-b, 611 ( a ) ( 7 ), and 807-8.

I have sent three letters ( attached ) to Portfolio Recovery Associates , LLC asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor XXXX bearing my signature. I have never received that. They sent me documents showing that they bought a bundle of debt from XXXX, but they obviously dont have my signature saying I ever agreed to pay an assigned debt collector. They are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX is my creditor, I would like to see the contract with my name on it from XXXX. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, Portfolio Recovery Associates is breaking the law by negatively reporting me to the Credit Bureaus. 

In addition, despite the fact that the legal status of the debt is uncollectible, they are also reporting this debt on my credit report. As Im sure you are aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This is my last and final attempt to allow them to remove this PERMANENTLY from all three credit bureaus before I file a claim in small claims court in Georgia, where I live, for {$5000.00}. They will have to fly out from Virginia to deal with this and incur great costs and will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/NAVI Account number : XXXX XXXX DPT ED/NAVI Account number : XXXX* DPT ED/NAVI Account XXXX DPT ED/NAVI Account XXXX DPT ED/NAVI Account number : XXXX DPT ED/NAVI Account number : XXXX
Consumer complaint received 2024-07-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (TX)

I had perfect payment history, they got new hires and new management and one of their new hires leaked my personal I formation and account information to a stranger on the internet who I didnt even know who they were. When I called the store to ask about It and get clarification I was told Id be called back because I wanted a settlement and be done with them due to my personal information being given out and privacy laws being broken. I never heard anything back about a payment or about the situation. Now I got a call from an attorneys office stating they are trying to serve me with legal paperwork for the remaining balance. Western Finance in XXXX Texas are unprofessional, leak personal data and information and do not communicate at all.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I believe the date was XX/XX/XXXX when I visited the local branch of Chase Bank XXXX XXXX XXXX XXXX in XXXX. They have all of my meetings and calls recorded so they know when and where I went to discuss this issue. My intention was to go in person to get the sign-up bonus of XXXX points via an in branch offer. I met with a banking manager ( I can't remember name but he was XXXX XXXX and sat in the second cubicle away from the front door on the right side ). He tried to file my application but was not able to. He then proceeded to call the back office and was apparently told that there has been a system issue and that at the current time they are not able to sign me up for the Chase Sapphire Preferred card for the in-branch offer. The manager then told me I can either come back another day and try again or just file my application online ( which only have the XXXX points sign up bonus ) and I can either then come back or just call the XXXX number to fix my sign up to XXXX points. About a little over 3 months passed and I met the spending criteria to redeem my sign up points. So I first tried to call Chase 's XXXX number and they told me that I have to go into the branch to resolve this. Scheduled a meeting for XX/XX/year> to talk with somebody at that branch. Spoke with another manager who sat right next to the one I spoke with before. Her name was XXXX. She had to make a few calls before getting to somebody who filed a claim/escalation for me. The person on the phone said I should very likely get it resolved in my favor but just after 2 days I already gotten a response that I did not " qualify ''. Chase has been very unprofessional and misinforming me as the customer about this whole process.
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX