davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists XXXX  civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (AL)

I have requested the 1099 OID to validate this debt and have not received it. I told LVNV Funding that I wont pay this until I validate the claims. They still contact me about it violating 15 USC 1692c ( c ) by calling me and reporting this to my credit report whos are both forms of communication.
Consumer complaint received 2018-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (NY)

I made a purchase from Rayomour and Flanigan int he amount of {$10000.00} with {$0.00} interest for 72 month. at the 11 month I started getting interest rate, I called and I was informed that I need to go to the store where I purchased the furniture. I went there and spoke to Manger, which she was very rude and informed me that there is not such a thing of 72 month. Even the advertisement in the tv shows that interest free for 72 month.

I called the sales rep that I bought the furniture and she doe not work with the company any longer. ( wonde why ) she even told me that the contract was for 72 month. When I told the manager that, well she does not work here anymore.

She did not try to assist in any way, all she said is that I need to paid.

I really felt that customer services is very poor, and the people who work there really do not care about the customers.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I initiated a wire transfer of {$100000.00} from my savings account at XXXX XXXX XXXXXXXX to my savings account at JP Morgan Chase. On XX/XX/year>, I received notification from XXXX marking the transfer as completed. They have deducted the money from my account and said that the money has been sent to the recipient bank. 

On XX/XX/year>, I double checked and found that my savings account at Chase did not receive the money. 

I then called Chase customer service. The agent who answered my call insisted that no such transaction was made and that Chase does not have my money. They asked me to contact XXXX  for more information or to open a claim. 

I contacted XXXX as advised, but their customer service agent insisted that the bank has sent the money to Chase, and Chase has flagged this transaction as possible fraud activity despite the fact that I was sending money to myself. So they told me to get the transferred amount, I must contact Chase and ask them to release the money to my account. 

I contacted Chase again. The agent denied they have any such ability to release any fund to my account, again claiming that they do not see the transaction. Then they transferred me to another department, who proceeded to verify my identity, but told me they could not complete the required verification and I must seek help elsewhere.
Consumer complaint received 2024-10-16
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: CITIBANK, N.A. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

I do not have a contract with LVNV Funding LLC and do not owe the alleged {$760.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am not participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BMO Bank, N.A. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have put in bold the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs USA intentionally blocks access to the GM Rewards Card payment and website from outside the US ( see attached screenshot ). They do this despite offering a XXXX percent foreign transaction fee which otherwise induces foreign travelers to use their card. It's not good to then block their ability to pay and access the account from foreign countries. I called the Resolution center today and logged the complaint. The agent gave a series of steps which are not useful to resolving the matter ( switch VPN, clear caches, don't use app ). The site is blocked by Goldman for IP addresses outside the US and these steps do not mitigate this.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 In Re of Truist Bank Account # XXXX Amount Taken XXXX Dear Sir/Madam, I am writing this letter to report a serious concern related to an unauthorized garnishment of my bank account by Truist Bank on behalf of XXXX XXXX XXXX 

The garnishment was carried out based on an out-of-state judgement. However, I was never served with this judgement, nor was it domesticated in my home state as required by law. I am unaware of the details of this case or why my account has been targeted for garnishment. The sudden and unauthorized deduction has caused significant financial hardship and distress. 



This action by Truist Bank has not only financially impaired me but has also left me unable to mount a legal defense due to lack of funds. This has effectively left me vulnerable to a judgement that I have not been properly made aware of or had the opportunity to contest. 

Based on some information that trust provided it appeared to be a Texas Debt Collection Agency representing XXXX XXXX XXXX  who is not licensed to transact in the state of Florida and furthermore XXXX XXXXXXXX has never done business in the state of Texas. Hence the requirement of domestication must be met but has not. 

Furthermore, despite numerous attempts to communicate with the bank, they have refused access to the garnished funds without providing a valid court order. I find this situation deeply troubling as it has created an imbalance of power and has denied me due process. 

I am therefore requesting your urgent intervention to investigate this matter and to provide guidance on the necessary steps that need to be taken to rectify this situation. I trust that the Consumer Financial Protection Bureau will consider this matter with the gravity it deserves and help ensure that my rights as a consumer are protected. 

Thank you in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (NV)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THESE ARE NOT MINEThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 2022-05-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

ABOUT 2IN AND HALVES YEARS I HAVE BEEN GOING THRU IDENITY THIEF, I HAVE TAKEN THE PROPER STEPS TO SUBMIT THIS CLAIM, I AM CLAIMING MY FRAUD INSURANCE AND MY LOST WALLET PREVENTION, IN XXXX I DEPOSITED MY BUT I'M DEPOSIT TO CASH APP, THEN DEACTIVATED THE ACCOUNT, UNKNOWEST TO ME I FORGOT TO LOCK MY ACCOUNT, AND CASHAPP XXXX, CASHAPP XXXX AND CASHAPP HAS LET ALL THESE UNAUTHORIZED PEOPLE TAKE MONEY FROM MY ACCOUNT ALL THIS IS IN MY MESSAGES IN CASHAPP , WHEN I FIGURED OUT WHAT WAS GOING ON I ACTIVATEDY ACCOUNT IN XXXX THIS YEAR THEN I REQUESTED MONEY FROM MY XXXX ACCOUNT WERE SOMEBODY IN THE CASHAPP DEPARTMENT KEEPED EXPKRING MY MONEY, SO I COULDNT GET IT OF MY CASHAPP, WHEN XXXX  FOLLOW THE MONEY I WILL FIND WHO IN CASHAPP WAS COMMITING FRAUD, AND IDENITY THIEF, I HAVE RECENTLY LOCKEDY CASHAPP ACCOUNT SO NOBODY ELSE CAN TAKEONEY FFOM MY XXXX  ACCOUNT, XXXX ACCOUNT, I HAVE SPOKEN AND VIRTUAL CHARED WITH INDIVIDUALS WHO GUAREENTED THEY WOULD FIX THE PROBLEM SO I CAN GET MY MONEY FROM CASHAPP ALL OF XXXX FOR I HAVE NOT EVEN GOUCHED XXXX XXXX FROM MY XXXX  ACCOUNT, I WOULD LIKE ALL MY MONEY BACK PAID IN FULL FROM CASHAPP, COULD U SEND XXXX IN MAIL XXXX  BRING IT IN PERSON TILL MY IDENITY THIEF AND FRAUD CASES ARE COMPLETED THANK YOU XXXX XXXX MY NAME IS SPELLED TWO WAYS XXXX XXXX DATED : XX/XX/XXXX TIME : XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

Atlantic Bay My loan care refuses to ever tell me the status of my Hurricane XXXX forbearance. We can not go into the XXXX due date with Atlantic Bay dragging their feet in doing the paperwork they are required to do by law. What is the status of the forbearance?
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (AL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Creditor Name ( World Finance Corparation ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MI)

On XX/XX/year> I filed a complaint with the CFPB against XXXX, XXXX and XXXX, due to fraudulent accounts listed on my consumer report. I was notified that the accounts in question were verified as accurate by the alleged creditor, however nothing I requested disputing these alleged accounts was returned to me. I requested that validation and proof of claim of the disputed debt was requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I specifically stated that this is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I have yet to receive such request and the information has not been blocked from my report and is still fraudulently reporting, damaging my reputation greatly. Amid submitting this complaint, I also submitted a copy of my FTC report as well. Delete these fraudulent accounts.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Dear Consumer Financial Protection Bureau, I am writing to formally submit a report regarding a debt that has been negatively impacting my credit report. The account in question is from Fair Collections & Outsourcing and was opened on XX/XX/XXXX, with an amount of {$3800.00}. I have serious concerns about this debt and its validity, as I believe it does not belong to me. 

I have made multiple attempts to dispute this debt directly with Fair Collections & Outsourcing and have requested further details regarding its origin and nature, but I have not received satisfactory responses. The account indicates that the responsibility is joint, which is perplexing, as I have no knowledge of any joint obligation related to this debt. 

Additionally, I have been a resident of Maryland since XX/XX/XXXX, and I believe this debt may not be applicable to my circumstances. The latest report I received was dated XX/XX/XXXX, and it continues to show that I dispute this information, which has significantly harmed my credit standing. 

Given these issues, I am requesting your assistance in investigating this matter. I believe this debt should not be on my credit report, and I would appreciate any guidance or action you can take to help resolve this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (IL)

I have been approved for borrowers defense to repayment. Per the XXXX  vs XXXX settlement ALL trade lines were to be removed as though they did not exist with a refund, refund also due with the missed deadline as well Servicer has failed to remove tradeline by XX/XX/year>
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P. (PA)

I cancelled my service with XXXX. I had a balance so I talked them to say that I had to make payment arrangements. I made two payments for two months but they started harassing me with phone calls daily. I didn't understand why because I was make some type of payments. Before I can pay the last of my debt, XXXX sent my debt to a debt collector agency who made a report to the credit bureau. So now my credit score dropped significantly over {$65.00}. The debt collection agency never sent me a letter to notify me about anything.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, my name is XXXX XXXX and on this date XXXXXXXX I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank you.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

There's an issue with my credit file. I've found a collection entry from your agency that I wasn't told about before. I seriously doubt this debt claim is accurate. The Fair Debt Collection Practices Act gives me the right to ask for debt validation. Please provide this validation and fix this problem.