davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Date of transaction : XX/XX/year> XXXX Amount : XXXX USD Actions taken by me : -Have contacted seller. Seller said he would issue refund. Never issues refund. 
-Have contacted PayPal . PayPal keeps telling me they escalated it but no one contacts me -have contacted synchrony Bank 7 times and they have opened a dispute said they would tell if they needed anything. Didn't reach out closed first case. Reopened and submitted documents they closed because they said they had no supporting documents which the guy on the recorded line confirmed I did send a lot of documents on, said he opened the case and referenced previous case. Today I find out 3rd case was never opened.

Actions taken by other companies and seller : -a XXXX -a years worth of wasted energy and time. 
-a years worth of insurance payments with no car to show
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TX)

My original loan officer was Great lakes Great lakes shut down it was one loan it was not separate Great lakes sold my loan to several different loan agencies due to this happening Nelnet was on my loan information file for maybe 4 months and then it was sold to add financial they have duplicates of the same loan showing on my credit so now it says that I owe XXXX plus when {$15000.00} was forgiven by borrowers defense loan forgiveness program because the school committed fraud against me so my loans were completely forgiven a XXXX I enclosed the original copy of my credit report showing that it was one loan and then the paperwork from XXXX XXXX showing XXXX was forgiven and financial has not released Nelnet from my credit report they have to release them and they haven't done it which is causing me grave financial harm and causing my credit to be extremely low I would have a XXXX credit score if it was not for this happening it is affecting me and the way that I live and run my life I don't owe any loan money and borrowers the fence has reached out several times to add financial and nail that with no avail I don't owe the money
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (AR)

To Seventh Avenue : ( This is the XXXX Letter Sent To Your Company ), prior XXXX certified letters. 
XXXX XXXX XXXX XXXX, WI XXXX Acct # XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. 

This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. 
/////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. 
////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I went to a XXXX bank ATM to withdraw cash. The ATM was located inside the bank. I placed my card in the ATM and inserted my PIN. I selected the amount ( {$300.00} ) of my withdrawal and the account. After several minutes of the machine counting, I received a message to remove my card. The machine didn't dispense any cash nor did it dispense a receipt. I waited at the machine for several more minutes while it was still making the counting noise. An employee from the bank approached and ask if they could be of assistance. I explained the situation to her. I then re-attempted the transaction on the ATM and received a message stating the machine was unable to dispense cash. The employee said she would place the ATM out of service. I then went to the employee 's desk where she placed several phone calls. She instructed me that since XXXX wasn't my bank I would need to file a dispute with my bank ( USAA ), which I did. The employee gave me a the branch managers card and said she would notify her of the situation. She said if I or my bank had questions to call. After nearly six weeks I received a notice from USAA stating that my dispute was closed, and they had refused my dispute. I contacted them and asked for my dispute to be re-asserted and to send me the information that they used to make this decision. They sent me two paragraphs of code describing the transaction but no evidence of cash being dispensed. There was no video from the bank or the ATM, or any information from the ATM just an electronic notification that a transaction had happened. I am still waiting to hear from USAA. The {$300.00} charge has been applied to my account. {$300.00} withdrawl and {$3.00} ATM fee. The rep at XXXX said she remembers the situation and would talk to my bank if needed. I eventually went to the teller at the bank and successfully received cash.
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

I have been asking Experian to record my mortgage payments from XXXX XXXX Bank to my credit report and my wife 's credit report. Time and time again Experian has told me that the problem is with my mortgage holder ( XXXX XXXX XXXX XXXX  I have asked XXXX XXXX XXXX to research this problem many times as well. XXXX XXXX has researched this issue and concluded that they are indeed reporting correctly to all three credit bureaus, but Experian is the only Credit Bureau not reporting my payments. After a third request to investigate this matter by XXXX XXXX, the bank reported to me that the problem was due to Experian not reporting my payments because I did not " Reaffirm MY Mortgage Payment '' after filing XXXX XXXXXXXX Bankruptcy seven years ago. I was advised to contact my Bankruptcy Attorney for advice, and I did contact her. My attorney told me that Reaffirming my Mortgage Payment had nothing to do with my XXXX XXXXXXXX Bankruptcy, Reaffirming payments applied only to XXXX XXXX XXXXankruptcy. My attorney said there was no reason my payments should be blocked from my Credit Report and the payments should be listed just as they are listed on XXXX and XXXX. 

I would also like to find out if there is a way to file a grievance against Experian. I wasted three or four months of payments to Experian. I signed up for Experian XXXX XXXX and it was of no help at all. I would just receive phony notices about my credit score and how it was changing and improving but here was NO CREDIT SCORE! Now Experian will not allow me to file a dispute.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I went to XXXX  XXXX XXXX to cash a check they sent me and they wouldnt cash it.! they wouldnt except my ID the lady XXXX. XXXX wouldnt let no one serve me and wouldnt let the rep sign me up for an account she was very tough and I didnt understand cause her bank was the one who sent me the check
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to Bank of America to cash a check they sent me and they wouldnt cash it.! they wouldnt except my ID the lady XXXX. XXXX wouldnt let no one serve me and wouldnt let the rep sign me up for an account she was very tough and I didnt understand cause her bank was the one who sent me the check
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Request for Debt Validation under the FDCPA and the California Fair Debt Collection Act Dear Credit Control , LLC I am contacting you regarding the alleged debt mentioned in your correspondence date XX/XX/year>. This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and sections 1788-1788.33 of the California Fair Debt Collection Practices Act ( CFDCPA ), to request validation of this debt.

Pursuant to my rights under the FDCPA and CFDCPA, I request the following : I would like more information about your business before discussing the debt with you. Does your business have a debt collection license from my state? If not, please indicate why. If so, please provide the license date, the name listed on the license, the license number, and the name, address, and phone number of the state agency that issues the license. 



Debt Validation : Detailed evidence of the existence of the debt, including the original signed contract supporting the payment obligation, complete account history, and any documents showing that you are legally authorized to collect this debt. 



Original Creditor 's Name and Address- Please provide the name and address of the original creditor, as well as any agreement or contract signed by me, confirming my legal responsibility for the debt.

Charge Itemization - A detailed description of the amount owed, including any interest, additional fees, or costs that have been added to the original debt.

Proof of Authority to Collect - Documentation showing that you have the authority to collect on behalf of the original creditor and that the debt has not been settled, sold, or transferred to another creditor.

Pursuant to CFDCPA Section 1788.30, any attempt to collect this debt without providing the requested validation will be considered a violation of state law. Additionally, pursuant to 15 U.S.C. Section 1692g ( b ), as long as the debt is not validated, no further collection action will be taken, including negative reporting to credit bureaus. 



Finally, I also request that any future communications regarding this matter be made in writing and sent to the address provided at the beginning of this letter. Pursuant to law, I expect your response within 30 days of receipt of this letter.
Consumer complaint received 2024-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Monterey Financial Services LLC (NY)

I looked for a work and saw XXXX  XXXX in XXXX and left my contact. They called themselves like modeling agency. And they invited me on a photo shooting, but I had to pay {$50.00} fo reservation. I came in XX/XX/XXXX. After photo shooting I waited XXXX hour to talk with their manager. She told me that their agency is not modeling and I wanted to go away and think about her proposal but she didn't let me. She pressured me and promised that I'll find a job. i tald her that I'm not working and have kids and my husband left us. But she was too persistent and did not allow me to leave the office. I didn't have a choice and I had to sign contract with them. But she didn't explain all contract. I paid {$200.00} through terminal in her office and after that she snatched my card from my hands and entered all the card data into the computer. When I came home I read the contract and saw that I don't have any rights over there, only responsibilities. I didn't work a half of year. And in my opinion I don't have to pay for this contract because it's a fraud company and they are lying to people and forcing them to sign contracts and pay for nothing.I removed my data after the next payment and didn't pay, because I was without work till XXXX. And they turned on to debt collectors. I know that they violated of the New York Penal Law 190.20 defines the crime of false advertising as a class A misdemeanor offense and send mail to the debt collectors in the Monterey Financial Service but the collectors agency sent me mail that I have to pay all my debt to this fraud modeling agency.
Consumer complaint received 2024-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received two American Express gift cards for different events at my job. Each card is for {$50.00} dollars. Total amount is {$100.00} in gift cards. I have tried to use the cards everywhere from fast food, to online, XXXX, grocery store, gas station and they will not work anywhere. I contacted American Express and they said that its because only certain places accept them but I have tried everywhere and the cards do not work at all. So now I have {$100.00} dollars that I can not use. American Express is not being helpful and saying I need to contact the place Im trying to use it at but that makes zero sense because I cant purchase anything so its not their problem. I feel cheated my Amex because pretty much they take the money and then hope you just forgot about the card since it doesnt work. Online the card says active and it says it has the money but literally will not work anywhere.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

I received an offer from Amex to open Delta Sky-miles credit card and spend {$1000.00} within 3 months and receive XXXX bonus miles : I complied with the terms but did not receive the miles because per Amex " I am not eligible ''. Reason why I was not eligible was not provided. 

When I opened card online I was not informed I was not eligible but offered XXXX miles after spending {$1000.00}
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (ME)

I have requested verbally and through letters debt validation. The debt is past XXXX it was also acquired in the state of XXXX  and I now reside in the state of XXXX. I got a letter in my email on XX/XX/XXXX saying I owed {$6200.00}. I called multiple time in the comings days and weeks to dispute and verify and they have not been able to provide the documents to satisfy the debt validation. They sent me a supposed validation letter on XX/XX/XXXX and didnt have information needed to satisfy. I sent a letter for the to validate/verify the debt on XX/XX/XXXX including the information they need to provide to satisfy it and they could not. They also sent me a letter on XX/XX/XXXX saying they are going to sue me. I sent a letter of notice and demand XX/XX/XXXX if they can not validate/verify I request the forgive the debt.
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (NC)

I tried calling rent debt automated collectors and they are refusing to speak with me now because I filed a complaint I have been a victim of identity theft. They say I owe XXXX XXXX XXXX for XXXX at XXXX XXXX however I spoke with XXXX who say they no longer own this property so how do I still owe not to mention I never stayed there they did give me more information and say it was because of application fees but I have never been there. I have a police report and ftc report. then I spoke with XXXX at XXXX XXXX who is own by XXXX XXXX now and they say I have no balance and printed me a ledger. However rent debt automated collection refuse to remove from my report or talk to me about whats going on. Also they say I owe XXXX XXXX and they have fix this issue but rent debt will not update this wait for XXXX XXXX and XXXX XXXX. Below I have attached additional documents and corresponden
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (ID)

On XX/XX/year> I purchased XXXX items from XXXX totaling XXXX using my Bread XXXX visa. Both if these items were returned to XXXX per policy on XX/XX/year>. XXXX item shows as " returned '' on XXXX the other shows as recieved but is " stuck in processing ''. After hours of dealing with the constant XXXX customer service loop where I am told they will process a refund but never do I file a purchase dispute with Bread XXXX. I provided photos of the items, return drop off reciepts, confirmation screen shots from XXXX showing that they have the returns as well as XXXX tracking confirmation that the returns were delivered via XXXX secure message on their app. Initially I am credited XXXX. But then on XX/XX/year> I am charged again for XXXX. So I reach out via secure message explaining that I did not authorize the XXXX charge on XX/XX/year> and the response I get is to call a phone number that no one anwsers. 
Bread XXXX has never once communicated with me about the initial dispute and refuses to address the new charge for XXXX. Bread XXXX is not investigating a dispute in good faith with a mountain of clear cut proof and Bread is not protecting my account or data from unauthorized charges. I believe Bread XXXX has violated my rights XXXX the FCRA.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/1988 Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account from XXXX XXXX XXXX XXXX with a balance of {$21000.00}, a credit card account from XXXX XXXX  XXXX XXXX XXXX XXXX a balance of {$1100.00}, a XXXX  account with a balance of {$26000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

My information was exposed in a data breach. 

I am writing to formally request the blocking and deletion of certain accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605C, and the guidance provided by the Consumer Financial Protection Bureau ( CFPB ) This request is being made due to my status as a victim of XXXX  XXXX, specifically debt bondage, which is recognized under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I have a letter from an advocacy group assisting me, affirming my status as a victim of XXXX XXXX. 
These documents should meet the requirements laid out by the CFPB for the blocking of this information.