davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DE)

I contacted Macys customer service in the middle of XXXX when I realized I had made an error and accidentally paid the bill XXXX times. I requested a refund of the second payment for {$400.00}. I was advised that they would need to research my inquiry and confirm before they would be able to issue the refund. 

I received a form letter dated XX/XX/year>, confirming the investigation that is being completed to confirm my request. 

I received a second form letter dated XX/XX/year>, indicating that A refund of {$400.00} has been sent directly to my bank account and that I can expect to see that refund show up within XXXX to XXXX business days. 

On XX/XX/year>, I contacted Macys and was informed that a check had been sent to me on XX/XX/year>, which conflicts with the form letter stating that the refund would be deposited into my checking account. I explained that I had not received this paper check and was told to give it additional time to show up. 

On XX/XX/year>, I contacted Macys customer service again, and once again explained that I had not received the refund check in the mail nor into my bank account as a direct deposit. The associate confirmed my address and Advised me that the check would be re-issued and mailed in a plain white envelope. 

On XX/XX/XXXX, I contacted Macys customer service again and was told that the check had not yet been sent but now that I had confirmed my home address it would be sent out. My home address has not changed in over 10 years. Macys has my correct address and I have received my billing statements and the XXXX form letters pertaining to this matter. 

Today is XX/XX/year>, and I have still not received any check or direct deposit for the amount of {$400.00} that was requested in XXXX. I am completely frustrated with the lack of follow through and the sheer incompetence and inability to receive the {$400.00} refund that I requested in XXXX. 

Please assist with helping me resolve this matter.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (FL)

I applied for XXXX ( XXXX XXXX XXXX ) XX/XX/2023 because my XXXX sent me an outlandish bill of $ XXXX that was due even though I have been on XXXX XXXX XXXX decades and never said I wanted to leave the program. I received XXXX emails all summer saying my account was being XXXX and that I would receive an email once the transfer was completed. I never received the email but yet I was billed for over $ XXXX even though my payments have always been XXXX on XXXX XXXX I tried to log into my account at Edfinancial and still could not. I then went to XXXX and applied for XXXX and according to their records my XXXX received my XXXX XXXX  ago. I emailed my XXXX a XXXX XXXX ago and never received a response. I sent another email XXXX and probably wont get help with that either. I can't pay XXXX in XXXX and don't know why I am being billed for such an outlandish amount and they will not respond or XXXX my account. This XXXX payment is causing XXXX XXXX XXXX and they're not XXXX my account, processing my application for XXXX, nor emailing me and telling me what's going on. Please help me. I qualify for XXXX ( XXXX XXXX XXXX  ), have always qualified for XXXX, and sending me a bill for $ XXXX is almost intentionally meant to cause XXXX XXXX yet I can't get any help.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I am writing to express my dissatisfaction NATIONAL CREDIT SYSTEMS with your recent attempt to collect a debt from me regarding my purported overdue balance of {$15000.00}, allegedly owed to XXXX XXXXXXXX XXXX XXXXXXXX XXXX, overdue balance of {$8700.00}, allegedly owed to XXXX XXXX XXXX XXXX, overdue balance of {$5400.00}, allegedly owed to XXXX XXXX XXXX XXXX, with a total balance of {$29000.00} between 3 different separate accounts from 3 different companies being reported by NATIONAL CREDIT SYSTEMS. You are also in violation of 15 U.S. Code 1692e ( 10 ) False or Misleading Representations. Cease the reporting of the fraudulent items being reported immediately. I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have any contract with NATIONAL CREDIT SYSTEMS. These accounts are fraudulent and does not belong to me, I have attached a FTC report along with this document. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. The following account NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ), NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXXXXXX XXXX XXXXE XXXX  ), NATIONAL CREDIT SYSTEMS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ). I have never had an account with none of those companies. Cease the reportingof the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and I do not have any contract with NATIONAL CREDIT SYSTEMS.I am requesting the following XXXX.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency XXXXA formal apology from NATIONAL CREDIT SYSTEMS for the violation of my rights under the FDCPA. XXXXCompensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXXReimbursement of any legal fees incurred in addressing this matter. If these demands are not met within upon of receiving this letter or 30 days of the XX/XX/year> of this notice, I will be led with no choice but to pursue legal action against NATIONAL CREDIT SYSTEMS in small claims court to seek the afore mentioned remedies and compensation for the violations of my rights as a consumer under the FDCPA. I have attached a copy of my ID, FTC report, and notice letter sent to NATIONAL CREDIT SYSTEMS. ( Please see attachments )
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates , LLC is well known for repeatedly violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). They have amassed over XXXX complaints with the Consumer Financial Protection Bureau ( CFPB ) in the last XXXX years and more than XXXX complaints reported in the last 12 months. 


Despite my request for validation pursuant to the FCRA, Portfolio Recovery Associates , LLC has failed to provide any response. Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, Portfolio Recovery Associates , LLC is prohibited from reporting on my credit profile while the account is in dispute without including a notice of the dispute. Nevertheless, Portfolio Recovery Associates , LLC continues to report inaccurately, which is severely impacting my credit rating.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

On XXXX XXXX my wife received a call from a Chase Private client rep asking if she made a {$94.00} purchase on her debit card out ot town. She told them no and the rep stated he needed to deactivate her card and a fraud specialist will be contacting her to resolve .When the specialist contacted her and identified himself as a Chase rep we proceeded to resolve the issue. I then got involved. After much time and them locking me out of my online account it turned out that the Chase rep was a fraudulent individual. They had moved my HELOC ( for which was there for 9 years and never touched ) into my checking account along with some money out of my savings without me knowing. They then did 4 different wire transfers to 4 different individuals within the XXXX. I had never executed a wire transfer in my 20+ years banking with Chase. Chase is not taking any responsibility for any of this, stating that they sent the authorization codes to my phone, for which i never did receive and would have never approved. This is to the tune of {$150000.00}. After multiple attempts with the local and then executive office of chase I am still fighting for them to step up and take responsibility. I have now had to hire an attorney to pursue this matter. ridiculous how these big companies can take advantage of small clients like this. i am now having to pay back on a monthly basis on a loan i never received.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I told portfolio recovery associates that an account for XXXX $ from XXXX XXXXXXXX was the result of identity theft. I tried multiple times to dispute the information on my credit report. They sued my in court for this account. Improperly notified me of the case And are wanting garnishments.
Consumer complaint received 2024-07-01
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. (ND)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (IL)

I applied for a personal loan with Upstart as recommended on XXXX XXXX as having outstanding odds of approval. 

I already have an existing loan with Upstart for at least 1 year. I paid off a loan over 5 years ago with same company. 

Upstart sent my loan request to a 3rd party called XXXX which declined my application due to not being able to verify my ID. 

I'm the victim of Real ID theft and have a 7 yr extended fraud alert and request to contact me at my phone number prior to approving any credit requests. 

They failed to verify my ID by contacting me. This was their sole reason for declining my application. 

I provided them with all necessary information to process the loan. Furthermore, I already have an existing loan with Upstart. Upstart verified my ID for that loan and a prior loan by calling me per the instructions on my credit report. 

This company they sent my application to failed to do their job. Now my credit score is dinged and I got declined.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX, I arranged a career services agreement with XXXX XXXXXXXX. To pay for it, they use Affirm, a 3rd-party lending service. At first, things seemed fine, but my first meeting quickly told me that this was a scam company. XXXX  XXXX has had numerous FTC complaints ( including one I filed ), has been published in several articles about predatory and dishonest tactics, and more. After having my first meeting with them, I chose not to engage with them again until I had a method to secure my refund, their services are horrible - no new knowledge was gained, and my meetings times to changed around aggressively, as if to make me miss these meetings on purpose. I went to 2 meetings total and I knew this was a fake scam for sure. XXXXXXXX XXXX  defense for not refunding me was " you signed a contract '', which yes, but the contract also assumes the services provided are appropriate for the money paid, which they are not. Affirm then went on record yesterday, XX/XX/XXXX, saying they are refunding all customers who have opened up a dispute. I then called Affirm, ready to finally get a refund after fighting with XXXX for nearly a year, and they told me that because 60 days had passed, they weren't able to issue a refund. My issue here is three-fold : ( XXXX ) they published saying they were refunding all cases, no exceptions, with XXXX. ; ( XXXX ) I never filed an initial dispute with Affirm because I didn't know my powers and options once I was locked it, otherwise I would have immediately ( although others who opened complaints within 3 days still were told no refunds by Affirm! ) ; ( XXXX ) XXXX  is a scam company, and I'm seeking to finally get my money back from Affirm and end this nightmare. 

I submitted this complaint previously- but I didn't provide the correct documentation. Please see the attached files which show : a class-action lawsuit against XXXX  XXXX that won a huge settlement this year, consumer reviews of XXXX, business reviews of XXXXXXXX XXXX XXXX, my initial contract, my attempts at refunds with XXXX, and a similar case to mine where Affirm indeed awarded a refund to the person earlier today.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

Subject : Debt Validation Attn : Spring Oaks Capital LLC As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please provide your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please provide your authorization to do business in my state ( GA ).

5 ) Please provide evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Provide documentation showing the complete chain of ownership of the debt.

7 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand email. Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond or you will be reported to the CFPB and XXXX. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, results as a waiver to any/all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.. I further insist that if you have reported me to a Credit Reporting Company, you inform them to delete alleged collection.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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. (TX)

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$9500.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
These accounts are incorrectly being reported as charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

My account is being reported 60 days late for the month of XXXX and XX/XX/2024. That information is incorrect because payments were made on XX/XX/2024 and XXXX XXXX via autopay. The account was paid on the due date automatically. They continued to report it 60 days late despite payment. They are reporting false information. Supervisor I spoke to said the system automatically reports but they would have change status. Then she reversed the late fees because payment was not late. Attached you will see what she said accurately being presented.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-14
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Received pre approved credit card application for Venture card from Capitol One. Cancelled application with Capital One. Should have had a Soft inquiry, however XXXX showed a Hard Request at XXXX. I want the Hard Inquiry removed. Capital One was unwilling to initiate the request to remove the Hard Inquiry. I have a freeze on my credit. Capitol One was very hard to work with. It took 4 phone calls to cancel application.