davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (GA)

Jefferson Capital Systems has continued to report an alleged debt on my credit report despite my formal dispute and request for a cease and desist. I have clearly communicated that I dispute the debt and that their continued reporting constitutes a form of communication under the FDCPA. 

In XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ), the United States Supreme Court affirmed that the FDCPA broadly covers all communications related to the collection of a debt. This includes communications made through consumer reporting, as defined by the FDCPA. 

Furthermore, under 12 U.S.C. 5531, the CFPB is empowered to take action against entities engaging in unfair, deceptive, or abusive acts or practices. By continuing to report this disputed debt, Jefferson Capital Systems is engaging in an unfair practice, causing harm to my credit reputation and financial standing.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (DC)

I signed up for BreadCashback American Express ( by Comenity Capital Bank ) on XX/XX/year> and after I fulfilled all the conditions for a reward of XXXX XXXX  - as it was advertised, it was frozen. For more than a XXXX  ( the last transaction happened on XX/XX/year> ), they have not explained to me why ( I don't owe a single cent ), except a letter asking me to call them. Even multiple calls from me to the call center of BreadCashback American Express led to no action, and I can not even close the account. They are only claiming there is a security issue - but not a single transaction is problematic, all were explained and fully recognised by me. Now, I have a virtually dead account that I can't close, which is very bad for my credit score. I can not file a complaint with them- they claim I can't file a complaint against their bank, only by writing a letter to the bank itself. I feel insecure and absolutely taken aback by the incredible lack of communication. This is not a way how to deal with an issue, I want to know for how long this situation can last and what are my options how to close the account when I don't owe anything, it is them who owe me now XXXX on rewards and on current balance XXXX XXXX  ( credit limit is XXXX, XXXX and Available Credit is XXXX, XXXX ). It is XX/XX/year> and the situation started on XX/XX/year>.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (CA)

I bank with U.S. Bank, and my XXXX was closed after I got XXXX. The bank allowed me to open a new account, but ever since, I've had multiple issues logging in. I've called the bank around XXXX times and even visited a branch in person, but the issue remains unresolved. Every time I ask for help, they repeat the same message, claiming they've fixed the problem, but nothing changes. 

I'm about to start XXXX and urgently need access to my XXXX  to purchase XXXX XXXX, but the bank 's lack of support is making this impossible. Even after filing a report, they haven't properly reviewed my XXXX. I'm extremely frustrated with the situation and need this resolved as soon as possible.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc. (CA)

Called CRME Financial on XX/XX/year> to check account balances for myself and children. Spoke to a male identifying himself as XXXX. XXXX was extremely rude stating you just called here, we told you this information already and when asking clarifying questions that made perfect sense was told you need to rephrase your question because you make no sense. I had not called this company prior and confirmed that all calls are recorded and that they could check their records to see I had not called prior. When asked if I was going to settle my debt, i stated I was unsure these were even my debts and I needed some form of verification as I had not received any hard copies of the debts. XXXX then stated so youre refusing to pay your debts very rudely. When I asked to speak to a supervisor, I was refused and told they were busy. I stated I would wait and was told were a debt collector and dont have time for this. Completely unprofessional. I have tried to call several times since with my calls not being answered. Hard to verify a debt when nobody will answer the call.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was scammed through XXXX XXXX. Saw a good deal and wanted to buy it, the description said to contact a number. While communicating, they said they were in a different place and had to ship, the shipping was {$30.00} ( product only {$16.00} ) After communicating in sms message, I sent them {$50.00} through zelle. They sent XXXX XXXX of them going to XXXX and pretending they are paying and going to ship it. They later said the cost for shipping is actually more then {$30.00}, they said I have to pay {$65.00} which I said no to and asked for my {$50.00} back, they refused and claim that they didnt receive the money. They later tried to XXXX XXXX  the item and also sent a XXXX XXXX  from XXXX. 

This started in XX/XX/XXXX XXXX I sent the money through zelle using the XXXX app in XXXX on the same day. 
Called XXXX and Zelle on XX/XX/XXXX, none of them can do anything about it. 

I have full proof of everything including the text and the number and email they send for me to send the money. 

Oh and the number they provide said its not registered with Zelle but the transaction went through and wasnt pending.
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/year> I was speaking with two employees from the company XXXX XXXX XXXXXXXX. ( website : XXXX ) While speaking with these two for hours, with a lot of promise from the company and the money you can make XXXX XXXX while also never disclosing the product they are wanting me to XXXX XXXX XXXX It wasn't until late into the call where I seemed to have gotten the job, they had me share a screen over XXXX, and helped me apply for a {$2000.00} line of credit on a card from Affirm. I did put in my last 4 of my social and sign a document, but was again asked to try XXXX to open up a line of credit as well, as well as one other with them telling me they want me to get to a {$6000.00} line of credit total to access the course and warm leads. 
This made me uneasy and I got off the call believing I have just been scammed into a pay to work scam. They say if you can't make at least XXXX XXXX a month, you will be liable for a {$200.00} payment each month to them for 18 months or until you pay it off. They say things like : " we have folks that work 2 to 3 hours a day and make XXXX XXXX  every couple days to help boost your confidence. This may be true, however these details were not disclosed fully until after you had been approved for a line of credit. 

Being gullible I fell for the scam, and after thinking about it more I realized I was the high ticket sale in that situation.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (OH)

Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I opened the account from XXXX XXXX doing the XXXX XXXX  job in XXXX I was paying ridiculous ATM fees then when I went to cash out my checking and saving account they said my saving account never existed and because I didn't have the receipt I couldn't do nothing it was XXXX $ and wasn't worth the head ache so just closed it out. I tried issuing a complaint was on company time and the wait was to long. This was on the branch on XXXX XXXX near XXXX XXXX I was working at XXXX XXXX depositing my checks.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXXXXXX Balance {$5500.00} XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$120.00} XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXXXXXX XXXX XXXXXXXX Balance {$650.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-13
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: DISCOVER BANK (IL)

contacted the merchant in regards to missing orders a couple of times and then was told I would receive a courtesy refund. didn't receive, disputed with bank and merchant just sent bank shipping and not emails agreeing to courtesy.
Consumer complaint received 2024-08-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Shepherd Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act .Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX ] and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962E ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports Failure to respond within 30 days of receipt of certified letter will result in small legal action your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq 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.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (VA)

{$79.00} should have been subtracted from the {$300.00} XXXX XXXX hold on XX/XX/year> leaving me with {$220.00} back into my account from a pending transaction from XXXX XXXX in XXXX. I have the receipt showing that I am due that amount. I have spoken to Cash App several times via chat and phone channels and each time they have refused to provide the money back to me despite proof and receipts from XXXX being sent to them. I checked out of the hotel on XX/XX/year> and the hotel says they released the hood upon checkout. Cash App is using deceptive practices, avoidance techniques and trick their users into believing that it is the hotels fault and standard practice to make someones pending transaction remain in pending status until more than a month which is when they claim they will then investigate.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FlexShopper, Inc (FL)

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the 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 receiving this complaint. 
The fraudulent, inaccurate, and false information consists of : Flexshopper installment account opened on XX/XX/XXXX with an amount past due of {$1500.00}. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Attached are a list of the fraudulent items and a copy of my credit report showing these items. I also provide a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the 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 receiving this complaint. 
The fraudulent, inaccurate, and false information consists of : A Discover bank credit card reported on XX/XX/XXXX with a credit limit of {$1500.00}. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Attached are a list of the fraudulent items and a copy of my credit report showing these items. I also provide a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud. 
What would be a fair resolution to this issue?
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MI)

I have called the company numerous times requesting a promise for deletion letter again today, XX/XX/XXXX, as has been provided for previous clients upon paying a collection. When I asked, I was told that it would be up to 60 days and at no point was I offered or explained to that I had to email Southwest Credit to request this letter until today when I explained that I was going to be contacting y'all. I do know that they record all phone calls and explained that my mortgage lender has a copy of said letter to a different client from back in XXXX. It is my understanding of fair debt collecting practices that a debt collection company can go from not offering the letters to offering them but can not rescind on that after affording at least one previous client the same service.

Thank you in advance for your time and prompt attention in this matter and I look forward to it being handled at your earliest convenience.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (LA)

I am writing to file a formal complaint concerning violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by Equifax and XXXX Funding. I have identified several inaccuracies and potential fraudulent information in my credit report, which Equifax has failed to address despite multiple disputes submitted. 

Details of the Issue : Inaccurate Reporting of XXXX XXXX XXXX : -The account is reported as " OPEN '' with a {$0.00} balance. 
-The remarks state " Account paid for less full balance XXXX XXXX. '' -If the collection is paid, the account status should not be " OPEN. '' Inaccurate and Fraudulent Reporting of XXXX XXXX XXXX : -There are two collection accounts with open balances being reported. 
The remarks state " reinvestigation in progress. '' XXXX XXXX has failed to provide documentation proving the debt, including the original contract with my wet signature. 

XXXX XXXX is inaccurately listed as the original creditor for a debt XXXX XXXX is a collection agency, not the original creditor which is falsifying information on behalf and inaccurate reporting on my credit file.

Violation of Consumer Rights : These inaccuracies and potential fraudulent information are violations of my rights under the FCRA, specifically : -Section 609 ( e ) : Not providing the necessary documents related to the fraudulent transaction with XXXX XXXX XXXX as the original creditor as listed on credit reporting file. -Section 611 : Failing to prope
rly investigate the disputed information and correct/delete the inaccurate or unverifiable information.

-Section 623 ( a ) : XXXX XXXX failing to correct or update inaccurate information after being notified by me to submit there I have and agreement as the original creditor for funding from XXXX XXXX XXXX XXXX 

Equifax 's Response : Equifax has repeatedly responded to my disputes with automated responses, requesting my ID and Social Security number, which are irrelevant to the nature of the dispute. This indicates a lack of proper investigation into the inaccuracies and potential fraud I reported.