davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

XX/XX/XXXX : XXXX Case Closed. 

Tried to activate a gift card I received from a friend. I proceeded to : www.prepaidgiftbalance.com. Got an error message it can not be processed. Tried to call customer service # XXXX on the back of the gift card. The rep asked which state the card was purchased. I said I do not know since this was a gift card received from a friend who travels. She said she is unable to help me activate the card since I do not know which state the purchaser bought the gift card. I explained that it was a gift received and that I didn't purchase the gift card so I do not have this information. She reiterated that she couldn't help me. I called the number to get another agent who then asked me to go to the website above and fill out some info for users that are unbale to use card because the card was flagged for fraud. I tried to fill out the info with name, address etc but the site was not processing. He kept insisting I need to upload my drivers license or photo id to get a replacement card and the site will not let me upload any documents so he asked me to fax. I just want a new card or for the current card to be activated so I can use in store or online. 

Follow Up : XX/XX/XXXX : Received a letter from US bank. 
responded Status Company responded on XX/XX/XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 

Follow Up : XX/XX/XXXX : Sent an email with Non-Expired government-issued ID with current address to company 's email '' XXXX ''. The company stated in said letter I will hear back within XXXX business days with next steps. Today is XX/XX/XXXX and I am yet to hear back from the company. I just want a replacement card so I can use in store or online.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Due to travel lockdowns during Covid-19 govt-imposed closure of cruise lines, airlines, countries closed, tours cancelled, etc..XXXX XXXX XXXX went for 2.5 years w no income, had to be XXXX XXXX  in XX/XX/2022, turned over and closed 11 credit accounts for collections ( with no way to pay the bills ), the stress was wrecking my health... had used all personal resources to pay bills for biz during pandemic. Had contacted all credit card companies to pro-actively address situation, only XXXX XXXX worked out payment program at zero percent interest for 36 months, which allowed me to pay off {$7000.00}. Have been dealing w each creditor as they serve me w court papers, negotiating repayment terms as I am able. 
Am receiving constant phone calls from " Portfolio Recovery? '' morning and evening... have calls coming in now on my cellfone, which I use for business. They keep asking me my date of birth? I do not give out personal information to unknown persons w accents calling from all different numbers, day and night. I ask them if they are calling to make XXXX XXXX, they say no. I inform them that they are reaching a business and not to call this number. They ignore this request and continue to harrass mr during my business hours. Am currently making payments to two other collection agents for XXXX and XXXX XXXX XXXX Delaware totalling {$320.00} a month. " Portfolio Recovery '' has not had the coutesy of even naming a debtor on whose behalf they are attempting to collect. I can not earn income to pay my debts if facing this kind of daily multi-call harrassment.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have sent several letters to the company requesting validation for the alleged debt. I have received no communication and no debt validation. A debt collector can not report a debt to a credit report without validation. They are claiming I owe one account in the amount of {$7400.00} and one in the amount of {$6000.00}.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I went into Toyota of XXXX located in southern XXXX on Saturday XX/XX/24 seeking a quote for a trade-in + new lease. Toyota came back with a quote and suggested I opened a new line of credit through Toyota XXXX XXXX XXXX. I declined the offer and offered no signature or authorization for them to open said credit line. I left the dealership leaving the offer on the table. The following days, I was receiving congratulatory emails regarding my new open line of credit through toyota XXXX XXXX XXXX. I have phoned toyota financial, who directed me to call the XXXX toyota dealership directly, XXXX Toyota then forwarded my calls to their finance dept 's full voicemail inbox. I emailed Toyota customer relations who advised me to simply call Toyota rewards visa and close the new line of credit. Now I'm left with the very real possibility of my XXXX XXXX XXXX getting dinged for such action.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

I have tried to dispute. Never received debt verification. Do they have the legal right to collect on the debt? Proof of who owns the debt? Documentation and contracts showing debt was sold from whom to whom? Statute of limitations on the debt? Accuracy of the debt?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (AR)

Earlier this year, I put my credit card account with Synchrony Bank on a Debt Management Plan with a Credit Counseling agency here in Arkansas. The plan was accepted in XXXX, and that month was the last time I received communication from Synchrony. Fast forward to today in late XXXX, I called them when I realized I had no statements from them since setting up that plan. When I made it through to a customer rep, I was informed the account had been closed in XXXX, and since it was now in their words " charged off '' I will not be able to get any statements of any kind. My credit counselor advised me to try calling again and advise them of the Truth in Lending Act requiring they provide me these monthly statements, and the moment I did the line went completely silent.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (FL)

On XX/XX/year>, I received a bill in the mail for a debt that is not mine. This bill came from XXXX, po box XXXX, XXXX, PA XXXX. This was on the envelope and is in the upper left corner of the bill. But in the upper right corner of the bill it says that it is from Credit Control LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Yet the bill wants payment sent to Credit Control LLC, XXXX XXXX XXXX, XXXX, MO XXXX. They want {$2300.00} paid for some credit card account with XXXX XXXX XXXX. This it is not my debt.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MI)

This complaint is of a general nature - a suggestion to alter the entire system. I was recently rejected for a Verizon Credit Card XXXX Synchrony Bank ) because my credit record shows no history of revolving credit. There is a student loan and a mortgage on my record ( all current ) but those are not " revolving credit. '' As a financial planner I learned decades ago that revolving credit cards are poison to many people, especially young people. I got in trouble with credit long ago and decided that I would never again have a credit card. I use a debit card exclusively. To many, a credit card is like giving booze to an alcoholic! I see this every day - the credit abuse, not the booze! 

But because I choose NOT to go into debt and stay responsible with my spending, I am penalized on my credit score. To me, this is insane and simply a method for banking and credit companies to profit from those who, once indebted, may well choose to continue to pay usurious monthly interest on these cards. Even those who claim to pay them off monthly will eventually get hit with the 30 % interest because a bill was paid late or other factors. Even worse, I can't get a card because I don't have a card!
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Jefferson is falsely reporting a collection on an account that is on my credit that is opened, and has no negative remarks. I have never been late with this company or had an outstanding balance due EVER with them. I have told them that I got this card in 2021, and I have never had a charge off with this company. This company is XXXX. If I had a charge off with them, how would they have ever given or approved me for a line of credit with their company? How is this possible? This can not be happening it is falsely reporting on my credit and hurting me financially.
Consumer complaint received 2024-08-05
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: JPMORGAN CHASE & CO. (NY)

According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged-off account listed below : JPMCB XXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-C form.
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (RI)

Dear Barclays ( Old Navy Card Services ), I was surprised and concerned to find a late payment reported on my credit report for XX/XX/year>, indicating a 30-day delinquency. 

Given my usual diligence in managing my finances, I am unsure how this could have occurred. I have always made my payments promptly upon receiving my statements. It's possible that there was an issue with the delivery of my monthly statement, or it could be related to the fact that XXXX XXXX XXXX XXXX XXXX XXXXXXXX during that time. 

In light of our longstanding relationship and my commitment to maintaining a positive payment history, I kindly request that this 30-day late payment be removed from my credit report. Additionally, I would appreciate a refund of any late fees that may have been assessed.

Moreover, I believe there may have been an error in billing under the provisions of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666b, 1681i, and 1692g. As these potential inaccuracies have led to incorrect reporting, I respectfully request the immediate deletion of this late payment from my credit report.

I value the relationship I have built with Barclays and would prefer to resolve this matter amicably and efficiently. Your prompt assistance will allow me to continue enjoying the excellent service I have come to expect from your organization. 

Thank you for your attention to this matter. I look forward to your positive response and appreciate your help in resolving this issue. 

Sincerely,
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

I am filing a complaint against PayPal regarding a permanent limitation placed on my account ( XXXX ). After receiving legitimate earnings from XXXX, an affiliate marketing platform, and making sales through my freelance business, I was notified that my PayPal account had been permanently limited. This limitation has left me unable to access my funds or conduct further business, which has caused significant financial hardship. 

I immediately contacted PayPal to resolve this issue, but I was informed that the decision to limit my account was final. Despite my repeated requests for clarification, PayPal has not provided any clear or detailed explanation for their decision. I believe this action was taken in error, as I have always adhered to PayPal 's terms of service and conducted my business legitimately. 

I am seeking the CFPB 's assistance in removing the permanent limitation on my account so that I can access my funds and continue using PayPal for my business. This issue has severely impacted my ability to earn a sustainable income, and I would greatly appreciate your help in resolving this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (TX)

PAID IN FULL FOR DELETION AS WELL AS REQUESTED-Mailed Certified XX/XX/year> Todays date Wednesday, XX/XX/XXXX No response. Please remove. 
The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically.

This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I am transiting my checking bill pay from XXXX XXXX  to CitiBank. I have used XXXX to pay bills for some time and it was by electronic pay within XXXX business days. I set up bill pay to XXXX XXXX XXXX XXXX on CitiBank and expected the electronic payment there too. However when I sent the entire balance due of {$1700.00} on XX/XX/2024 to XXXX XXXX it had not been received by XX/XX/XXXX and so I missed the due date of XX/XX/XXXX. I looked more closely at my CitiBank checking account and the entire {$1700.00} had been withdrawn on XX/XX/XXXX but the payment was by paper check. I really can not understand why they use paper checks in this matter. I have been hit by a late payment fee of {$29.00} and interest at 35 % APR of {$57.00}. In addition my credit score will take a hit too, I was told by XXXX XXXX that paper checks can take up to 14 days to be credited to the account.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Machol & Johannes, LLC (WA)

I received a summons from Machols & Johannsen  collection agency, Plaintiffs : XXXX XXXX XXXX, which I never contacted by the bank nor the Machols & Johannsen, I read FDCPA 8:09 Validation of Debt.. that was never followed by the collection agency, the only time I heard from Machols & Johannsen is when I received the summon, ( which I still have to verify with county Clerk, the Summon / complain does not have Court Stamp nor Clerk Signature.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am writing to formally file a complaint regarding unauthorized disclosures of my credit card transaction history by both Capital One Bank and XXXX XXXX XXXX. These disclosures appear on my credit report, which I believe are in violation of federal laws, including 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) and the Privacy Act of 1974. I did not grant either institution permission to report my transaction history in this manner, and this disclosure has caused significant harm. 
Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) Under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report is defined as a report containing information about a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. My understanding of this statute is that it limits what information can be included in a credit report. The unlawful reporting of my transaction history by Capital One Bank and XXXX XXXX Bank goes beyond the permissible scope of information allowed under this section of the law. 
Violation of the Privacy Act of 1974 Furthermore, these disclosures also contravene the Privacy Act of 1974, which protects personal and financial data from unauthorized sharing without consent. In this case, my transaction history contains sensitive personal information, and I have not authorized Capital One Bank or XXXX XXXX Bank to disclose these details to any third-party, including credit reporting agencies. Therefore, I believe both financial institutions are in violation of the Privacy Act for improperly handling my private financial information. 
To assist in the resolution of this matter, I have attached copies of my recent credit reports showing the improper disclosures by both Capital One Bank and XXXX XXXX Bank. If necessary, I am willing to provide any additional documentation or clarification to aid in the investigation and resolution of this complaint. 
I trust that the CFPB will investigate this matter thoroughly and ensure that Capital One Bank and XXXX XXXX Bank take the necessary corrective actions. Please keep me informed of any updates regarding this complaint and the actions taken by these financial institutions to resolve the issue.