davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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. (NC)

I have had my student loans discharged and have been provided with a notification from the Department of Education validating that my student loans have been discharged.

I have been advised by The Department of Education that all three major credit bureaus have been notified of the discharge and that my credit report would be updated showing that the student loan account have been deleted and removed.

I have attempted to have the student loan account removed directly via multiple disputes with the individual credit bureaus, however, the student loans remain listed on my personal credit report which is impacting my overall credit rating.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (GA)

ACIMA erroneously turned over a line of credit debt ( previously paid off ) to a collection agency. The collection agency is now trying to collect a balance that doesnt exist. The loan was paid off on XX/XX/. ACIMA offers 90 days same as cash terms. However, they are not honoring the contract agreement. Theyre guilty of bait and switch.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX XXXX XXXX  stopped an ACH payment for {$6000.00} for fraud alert, did not bother to contact us or let us know in any way. After XXXX weeks passes we find out the money was never received so we call the bank. They are very rude and tell us they will investigate and get it straightened out. Nothing happens so we call again the next week. This time they tell us they are still investigating it. We ask to put a stop on the transaction so we can have the money back. They told us they would do it in a few days and the money would be returned by XXXX. The money is still missing from our account today, XX/XX/XXXX, so we called again. They had no information for us and said they would look into it.
Consumer complaint received 2024-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (CA)

I am submitting this complaint regarding a medical debt reported by USCB America that I believe is beyond the statute of limitations. The debt is listed as delinquent as of XX/XX/XXXX, and under California law, the statute of limitations for collecting medical debt is XXXX years. This means that USCB America can no longer legally pursue this debt after XX/XX/XXXX. I have not received any prior communication regarding this debt, nor have I been served with any legal action. I am concerned that USCB America is attempting to collect on a debt that is no longer enforceable, which I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are protected.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC. (PA)

XX/XX/year> Requested payment deference and was denied XX/XX/year> Requested to be mailed payment options as solicitor kept calling asking for payment, at the same time disabling my ability to make an online payment. 

XX/XX/year> Ally financial gave my personal information to a third party XX/XX/year> Vehicle Repossessed, damaged, personal property stolen valued above {$2000.00}. Decision made internally, no judgement by a court.
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (KY)

Car repo on Sunday XXXX XXXX XXXX XXXX NO NOTICE OF REPO. There is difficulty in obtaining info thru customer svc, I believe both my name and son 's name ( XXXX XXXX is ignored when it shows up on their queque. Wait time, and a call back which happens but no person answers. Son stated it took forever on phone getting info as to how much needed. They would not tell him where car sent, as he had his wallet in car. I called as well, put on call back list as system wait time was XXXX minutes, but waited for XXXX minutes when they did. Told same info. I went and borrowed what they had asked for {$1900.00} and sent by XXXX @ XXXX on XXXX XXXX. This amount included the fees for picking it up XXXX told. XXXX son info to call XXXX. He called XXXX times, put on call backlist just to get ", msg that operator hung up. Gave up for the day. This after almost an hour each time waiting.. Found where car located '' XXXX XXXX XXXX XXXX XXXX XXXX, KY and have to make an " appointment '' online to receive it, once released. Website stated have to make one also to retrieve property, but both Ford and XXXX stated he couldnt get his wallet unless XXXX gets the XXXX form. Appt for today Tuesday at XXXX to pick up at least wallet.. XXXX XXXX called after XXXX stated it was cancelled and awaiting for release from Ford XXXX They called back around XXXX but was told he couldnt pick up car til Thursday at XXXX XXXX XXXX. They are supposedly closed on XXXX. I called Ford at XXXX this morning and was put on hold leaving me the idea that we are flagged in their system.Not rude if they state as reason, as how could we if not able to get thru. Their account site states Temp unavailable when I checked to see if amount was posted. Plus the hassle of EVERY time of creating a new password. XXXX in XXXX day! He is behind ONLY because Social Security took away his checks for XXXX months, or for past months they try and reduce for XXXX reason or another ( KY ) now straightened out to receive next month. WITH the help of the XXXX. He is Iraqi combat vet, I am an XXXX 20 year retiree. I would NEVER buy a Ford product.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc. (VA)

I have recently pulled my credit report and noticed that there is collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together.Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.
Consumer complaint received 2024-09-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

cards were purchased in amount of XXXX XXXX and XXXX to pay stuff online and protect my personal information from being exposed attempted to use at XXXX, XXXX, XXXX, even tried using them at my own location to ensure they work attempted to use at several locations, were declined everywhere, amex wasn't able to solve issue. 
now im stuck with unusable gift cards that no one accepts under deceptive advertising that it is accepted anywhere where amex is accepted
Consumer complaint received 2024-08-01
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. (TX)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2024-08-12
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: M&T BANK CORPORATION (IL)

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 2024-08-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (OH)

My personal information was exposed in the XXXX XXXX hack in XXXX which I became aware of when they sent me a letter informing me. This debt is not mine. In XXXX I received the first of four debt collection attempts referencing a loan in XXXX, there were subsequent attempts in XXXX, XXXX, and now two in XXXX by different debt collection agencies for the same loan. The first three debt collection agencies dropped their claim after I requested a debt validation letter. The fourth collection agency sent me a debt validation letter and have notified the credit reporting agencies which has negatively affecting my credit rating. The debt validation letter shows only my name, my former address and the last four numbers of my social security number. All easily obtained by criminals.The fourth agency has now dropped their claim and has referred the matter back to the loan originator. There is now a fifth collection agency attempting to collect the fraudulent debt. .The transaction with XXXX had been done electronically and the debt collector did not provide any information as to where the money was sent ; no routing number, account number, tracking number, date cashed, bank name, address, etc. I was defrauded like so many others and have been put in the position of proving a negative.
Consumer complaint received 2024-08-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

If a consumer notifies a debt collector in writ ing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the con sumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt col lectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt col lector or creditor may invoke specified rem edies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Consumer complaint received 2024-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NY)

Mortgage was sold to Mr. Cooper several years ago. Payments have always been made on time via automatic payments with no prior issue. Bank account that was registered with autopay was hacked and as a result the XX/XX/XXXX payment was auto-reversed and a {$20.00} XXXX  was charged. Payment was resubmitted successfully and auto-payment information was changed to new bank account number. Requested fee reversal due to circumstances and was told by customer service agent that by policy fees can not be reversed. Requested escalation / callback and was told this was not an option and could not speak to anyone else regarding the issue. Customer is on a limited retirement income but has never been delinquent. No good will or other options - poor customer service and no choice from customer who they deal with given the mortgage was sold was XXXX XXXX  where it was originally opened.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXXXXXX informed me that they had contacted LVNV FUNDING and told them my payments were being paid I thank you for helping me remove the other XXXX, the second one is still being reported as passed due, LVNV told me XXXX XXXX XXXX did not contact them, I have monthly payment to XXXX XXXX and there's a statement on my report stating my payment are being paid but they still have have me in a negative status there's a statement on my report from XXXX telling the bureau to remove me from derogatory status, they didn't do it.
Consumer complaint received 2024-08-10
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: Self Financial Inc. (SC)

I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. 

I want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. 

I kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Essential Lending Inc (TX)

I started receiving emails about loan applications I didn't apply for, most of them didn't go through because I wouldn't follow up but I received an email today from Wise Loan stating that I had a payment due coming up. I contacted the entity and they confirmed there is in fact a loan under my name. They sent me a form to file my complaint but with everything that has happened and knowing how sketchy those companies can be, I don't feel providing information to them such as my social security and all of my personal information. All I have are the emails the loan companies would sent and now I'm afraid I have more loans out there under my name.
Consumer complaint received 2024-08-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MN)

Account opened : XX/XX/24 Balance : {$1200.00} Contacted XXXX immediately upon seeing this on my credit report to report fraud. Contacted Sunrises Credit Services who is collecting for XXXX XXXX to report fraud. They stated they would be mailing a fraud packet to fill out. Also put a fraud alert on my social security number and a freeze. The address Sunrise Credit Services reported to XXXX is not my address, one I have ever been to or stayed at, and I don't know anyone from that address as well.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I noticed on XX/XX/year>, approximately XXXX XXXX Eastern standard time that my Citibank account was not accessible to me via the Citibank app. I called Citibank customer service immediately and after verification was told that my account has been blocked and they wouldnt tell me why and they wouldnt verify any information and they told me that I would have to wait 5 to 7 business days to receive a letter from the bank then I called on XX/XX/year> and asked if I could close my account because I needed to access my funds and they told me no I would have to wait 30 to 60 days for my account to be reviewed For closure. I called again, XX/XX/year> and spoke to the fraud department and was told that my account was definitely going to closed but I had to wait 30 to 60 days for it to be officially closed and I asked if I could go to Citibank branch to access my funds and they told me not necessarily then I asked if the account closure could be expedited and they told me no.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was admitted to XXXXXXXX XXXX in XXXX XXXX CA. While XXXX XXXX XXXX my vehicle was broken into and in the backseat was my purse which contained my wallet which had my bank cards my drivers license my social security card and my cell phone. During the timXXXX XXXX XXXX XXXX XXXX XXXX I was unaware of my vehicle being broken into and my purse stolen which the perpetrator was using my card and phone to make purchases and pull money out etc. I filed a police report and filed disputes with my bank, some were in my favor and some were not and then Wells Fargo close my account. I asked how to appeal the decision and I was told I can not appeal them. I do have my proof of when XXXX XXXX XXXX XXXX XXXX as well as my police report that I filed.along with the claim # ( XXXX ) and the amount ( {$11000.00} )
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Phoenix Financial Services LLC (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Block, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Assistance in Resolving XXXX XXXX  ( Debt Bondage ) Case To Whom this may Concern, I hope this letter finds you well. We are writing to you on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on Trafficking in Persons ( see attached Confirmation of Authorization ), I am writing to inform you that the XXXX XXXX  has verified and determined XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or sex trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX is a dedicated organization committed to advocating for the rights and welfare of individuals who have been affected by human trafficking, debt bondage. We have come across a pressing case that we believe warrants your attention and expertise. 
As part of our mission, we have been working closely with individuals who have faced the harrowing experience of human trafficking of debt bondage, a grave violation of human rights and a form of modern-day slavery. Our goal is to provide support and advocacy for victims, as well as to raise awareness about the issue and collaborate with relevant stakeholders to eradicate this abhorrent practice. 
In the course of our work, we have encountered a situation where an individual 's credit report reflects an outstanding debt that we strongly suspect is connected to a case of debt bondage. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation. We request you to help by blocking and deleting any account that is attached to XXXX XXXX credit profile negatively. 
Thank you for considering our request for assistance. We look forward to the opportunity to work collaboratively on this important issue. Please contact me anytime. 


Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (TX)

I have a XXXX XXXX  bank inquiry thats not mine and a XXXX inquiry from someone that signed into my account and took XXXX POINTS FROM ME, I WILL SHOW YALL ANYTHING YALL NEED BUT I WANT THIS OFF ASAP THIS IS NOT ME. IVE CONTACTED XXXX AND IVE CONTACTED XXXX XXXX AND BOTH APPLICATIONS HAVE BEEN CANCELED now please take this off immediately