davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My Citi Bank account has been locked for the past two months, resulting in a complete loss of access to my funds of XXXX XXXX This situation has caused me substantial financial and personal distress, as I have been unable to manage my regular expenses, pay bills, or access my checking. 


Attempts to Resolve : I have contacted Citi Banks customer service multiple times and visited my local branch, but unfortunately, the issue persists. I have tried my best to follow the instructions of waiting for the re-verification letters. However, this letter is never delivered to my place. They continued saying that this letter was the only way that I could unblock my account. I have requested to resent the letter many times, but I still haven't received this letter for two months. 


Impact : Financial Stress : I have incurred late fees on bills and home loan obligations due to the inability to access my funds. 
Personal Distress : The uncertainty and lack of access to my finances have caused significant stress and inconvenience. 
Lack of Communication : The responses from customer service have been inadequate, and I have not been provided with a clear timeline for resolution.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (CA)

I received a few phone calls from Resurgent Capital today, XX/XX/2024, about a debt collection. I went online to submit a Cease to Desist notice requesting that they not phone me about any debt because this is going to lead to multiple robot calls. I prefer for them not to contact me by phone. Mail at the po box is ok.I had also sent a letter to the original creditors before these accounts were turned over to Resurgent to notify their collection agencies not to phone me but they still called me.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (VA)

An unknown person fraudulently opened a XXXX Cash.App account in my name, and a Cash.App debit card was sent to my correct home address. 

I immediately called the number on the Cash.App website to alert them to the fraud, and to request the card be closed.

First, the Cash.App account service agents hung up on me twice, and then refused to close the account unless we provided additional information which we did not feel comfortable providing to a company that was already proven to allow fraudulent account activity. When I requested to be connected to a supervisor, the agent refused to connect me because " I do not have an account. ''
Consumer complaint received 2024-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There numerous inquiries that I never authorized which is fraudulent! 

XXXX. COAF XXXX 
Date reported XXXX XXXX XXXXCOAF XXXX
Reported XXXX XXXX XXXX  COAF XXXX  Reported XXXX XXXX
4. COAF XXXX  Reported XXXX XXXX XXXX Capital one bank USA na XXXX XXXX  capital one Dr
Reported XXXX XXXX XXXX. Capital One bank
XXXX  XXXX  capital one Dr
Reported XXXX XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Dear Comenity Bank, XXXX XXXX XXXX, and CFPB, I am writing to address a matter concerning an alleged debt of {$530.00}, which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter.

Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt. 
I expect your prompt attention to this matter to prevent further escalation.
Consumer complaint received 2024-07-01
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. (NC)

I am XXXX XXXX, submitting this complaint independently without any third-party involvement. Attached are letters detailing the discrepancies in my credit report. The XXXX bureaus, TransUnion, XXXX, and XXXX, have reported inconsistent and untimely information.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Per CFPB Complaint # XXXX Penfed # XXXX Credit Card XX/XX/year> I never authorize this credit card to be closed at all. I called several times to unlock the card for an authorized charge, and no one could assist with my request. 

Per the Company Response : responded STATUS Company responded on XX/XX/year> RESPONSE TYPE Closed with non-monetary relief Dear XXXX XXXX, This letter is in response to your complaint filed with the Consumer Financial Protection Bureau ( CFPB ). It was forwarded to Pentagon Federal Credit Union ( XXXX ) on XX/XX/year>. We will provide a copy of this response to the CFPB. I appreciate the opportunity to address your concerns regarding your PenFed Power Cash Rewards credit card. On XX/XX/year>, and XX/XX/year>, we mailed you notices letting you know that your account would be closed due to inactivity on XX/XX/year>. Per your request, we reopened your account on XX/XX/year>, and ordered new cards for all cardholders on your account. I hope our actions have resolved your concerns. Thank you for being a valued XXXX member. Sincerely, XXXX XXXX Senior Vice President Payment Product Operations
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

I'm REWRITING to complaint to COMENITYBANK/VSMC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (PA)

I have submitted a claim regarding XXXX account that was opened because Im of ID Theft. I have been met with nothing from American Express explaining the reason for the denial I was told my claim was reopened on XX/XX/XXXX and on XX/XX/XXXX the claim was closed and I was sent a generic letter with no explanation. I didnt not open this account or benefit from this account in any way I have asked for a call back from the back office regarding this matter and havent gotten anything. They leave no notes on the account for from end representatives to see or respond to any request from the front office so I can help move this forward with getting this out of my name. I would like a copy of the application and a detailed explanation on why this account is being rejected.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan-Infiniti LT has been harrassing my credit report by reporting the account is closed for the monthly to intentional decrease my credit score.. This account was a charge off back in XX/XX/XXXX as a charge off. I never received a 1099c from Nissan-Infiniti LT and I never received a bill of sale of the vehicle that was auctioned in XX/XX/XXXX. They have refused to cooperate with me and since XX/XX/XXXX, they have been reporting the account closed monthly. I will provide proof. Under the FCRA as a consumer I have a right to see a bill of sale. Since they can not provide accurate information, and after several attempts to resolve this matter, I am seeking legal action against them. I have tried numerous times to resolve this bill and they refuse to cooperate. 

As a consumer- I have the right to be provided with a statement regarding the sale after your car is sold or auctioned. 

I never received a bill of sale for an auctioned vehicle that was repossessed from me. 

Nissan did not provide the following during the Auction sale of the vehicle. 

1. An explanation of my liability if you owe a deficiency balance after the sale 2. A description of how you can obtain an explanation of how the proceeds of the sale are applied to my debt obligation 3. A description of how you can obtain an explanation of how the lender calculated your debt obligation.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GUARANTEED RATE INC. (FL)

XXXX XXXX XXXX gave us a pre-approval letter with terms we were not able to meet. We tried to do what was possible to come up with the money, however after a couple weeks of trying, we were unable. The lender XXXX XXXX verbally told us we do not meet criteria and do not qualify for a loan. After over a month, we have not received a denial letter. We have received verbal and email confirmation that we do not qualify on XX/XX/XXXX as well as today, XX/XX/XXXX. However today we were told we do not get a denial letter because at the time of our contract we did not indicate that we could not meet criteria. At the time of our contract we did not know what the criteria was. They are fraudulent and misrepresenting their abilities. As per our contract, one way to receive a deposit refund is to receive a mortgage denial. This is why they are withholding it, to steal our money. A complaint is being filed with the Florida Attorney Generals office as well.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, Truist Bank deposited payoff {$88000.00} in my Bank of America XXXX account then on the same day Truist Bank did a reversal. At the same time, it closed my account with Truist Bank. I kept going to Truist web site to attempt to make my XXXX XXXXXXXX XXXX of XXXX I also wrote the XXXX a letter and was not able to access my account to make a payment. When I called Truist Banks customers service, I was told I did not have a account. The entire time with Truist Bank, I have not received a statement for this account. 
XXXX XX/XX/XXXX, I received the first email from Truist Bank and then was able to access my account to make a payment. Once if found the amount I had to pay, {$3800.00}, I paid it immediately. After going months, without any communication from Truist. 
This whole incident was caused by Truist Bank, now this bank has damaged my credit by putting, in a credit report I can not see, that I was 90 days late paying XXXX XXXX XXXX of XXXX. Furthermore, Truist Bank has not put the late notices on any of the three credit bureaus, XXXX, XXXX, and XXXX and I am not able dispute anything. Truist Bank has not the entire time sent me any statements regarding my account. On their website, there are no statements for XXXX XXXX XXXX of XXXX. 
Only XXXX, shows Truist Bank did hard hits to my credit reports without my permission. One hit was in XX/XX/XXXX and one in XX/XX/XXXX. 
What I want to resolve this problem, is Truist Bank fix/remove the 90 days late they put on credit reports that I can not see, and put always paid on time and never late. I also want the hard hits on my Credit reports removed. I really want my credit repaired. 
I am XXXX women, who is a XXXXXXXX XXXX. I was in the XXXX XXXX as XXXX in the XXXX XXXX XXXX. All of this came to light when I applied for a XXXX XXXX to pay off Truist Bank Equity line of credit. I am currently working part time and refinancing would have help XXXX XXXX. 
I am looking forward hearing your reply and hopefully a resolution to this problem. I will continue to seek help next will be the XXXX XXXX XXXX XXXX. 
if any questions, please contact me. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX  reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On XXXX it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my credit report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I provided a police report indicating I was a victim of identity theft and requested to have the accounts removed from my credit reports, I also requested proof of verification that the accounts belong to me. I didn't receive proof of verification nor did the bureaus remove the accounts. These action took place on XX/XX/year> for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

i opened this account with Chime in May and recently I noticed that there was a transfer of money that did not match up with my primary account and chime. so I did a dispute and I was expecting to have a person contact me on this. I even called someone on XXXXI believe on where this was coming from. and so on the XXXX I did file the dispute. Today I went to use my card and it was denied and i looked it was closed because i did not follow the proper deposit rules. and for no reason other than that I was told that I am not able to get my money in the amount on XXXX refunded to me. this is my savings and all the money I have at the moment. I have been saving for a car. I do not see how this is possible that chime can just KEEP my money.they said that i can not verify account ownership
Consumer complaint received 2023-10-27
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I have a borrowers defense case in which the Department of Education deemed my former school to be fraudulent. The Department of Education approved my case for a 100 % refund. My serviced at the time ( Navient ) has told me they wont give me a refund because I paid my loans in full. Whats the difference whether they were paid, not paid, forgiven, etc. I used my sign on bonus from the military to pay off those loans and do the right thing. Fraud is fraud, and I should be paid back in full like the Department of Education recommended.
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (AZ)

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 2024-07-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I was given an American Express Gift Card for {$150.00} from my workplace a few weeks ago. 

Going to XXXX, I tried to make multiple purchases and all but one ( for {$22.00} ) were denied. I then tried loading my XXXX online account with the money in increments of {$9.00}, but after 4 times the card was denied by American Express. 

I called American Express customer service multiple times -- at least 3 or 4 times -- and was told many different things -- that the card didn't work with XXXX, or that I needed to reenter the information of my card into the XXXX account, or that XXXX was denying the use of my card -- and then they recommended that I use the card in person. I told them that it was my money and that I wanted to use it on XXXX, but they kept repeating that they recommended I use it somewhere else.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC. (TN)

sofi is reporting every detail of my checking account to XXXX. and yes i did call them complained about the over drafts they allowed with my past account. i since closed this account on my own accord, due to the overdrafts they allowed to happen ; with little to no funds they contiuned to allowed these transactions to pile up every month.