davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (LA)

Asset Care Collection Agency has accessed your medical information without authorization. 
Debts that are paid or under {$500.00} should have been removed from your credit report as of XX/XX/XXXX. 
You believe your consumer rights are being violated. 
You never received a required five-day letter. 
XX/XX/XXXX Asset Care Collection Agency XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX Dear Asset Care Collection Agency, I am writing to formally dispute the collectio activities regarding my account number [ Asset Care LLC # XXXX, {$270.00} ]. 
I believe that my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and possibly other consumer protection laws have been violated. 
Specifically, I allege the following : Unauthorized Access to Medical Information : I did not authorize the release of my medical information to your agency. This is a clear violation of my privacy rights. 
Incorrect Credit Reporting : Accordin to the Consumer Financial Protection Bureau ( CFPB ), any debt that is paid or under {$500.00} should have been removed from my credit report as of XX/XX/XXXX. The continued reporting of this debt is inaccurate and harmful to my credit score.

Lack of Required Notice : I have not received a five-day validation notice as required by the FDCPA, detailing the amount of the debt, the creditor, and how to dispute it. Im also requesting the purchase agreement between assets care llc and the original creditor. 
I request that you immediately cease all collection activity on this account, investigate my claims, and correct any errors on my credit report. 
I expect a written response to this letter within 30 days. If I do not receive a satisfactory response, I will be forced to take furthe action, including contacting the CFPB and possibly filing a lawsuit And you have 15 days to respond not 30 days or your silence be acquiescence. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I checked my credit report and I noticed there were inquiries listed that I did not recognize. I contacted the companies, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. I must request your help in resolving this matter. In accordance with the Fair Credit. Below are the inquiries in question. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (NY)

Received a debit card in the mail with a welcome letter under an old married name I used before. The letter had instructions on how to activate said card. I did not open this account or had any knowledge of it. I tried contacting the company and they were not helpful at all and ended up ending the call abruptly because I was asking to many questions.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was the victim of a check washing scam. I reported the scam to Bank of America 2 hours after discovering my check had been washed. For over 90 days, they claimed they were conducting an investigation into the check fraud. After 90 days ended, they sent me a letter saying that I would not be compensated for the check was because it was reported after 60 days of it actually occurring. During that 90 day period, multiple people at Bank of America insisted that I would be reimbursed for the washed check. Bank of America Fraud line XXXX from Tennessee admitted that they only completed a slight investigation, Bank of America took no meaningful actions to protect my best interest in this case. Furthermore, Bank of America refused to provide me with any information regarding the fraudulent transaction.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I emailed the CEO of a goodwill adjustment for one late payment in XX/XX/year>. I am deeply saddened I received a call today from a representative that they couldnt honor this in my favor as I have been a loyal customer to them for now 3 years. I hope this letter finds you well. I am writing to discuss my recent credit history with your company, specifically the late payment reported on my account in XX/XX/year>. I take full responsibility for my actions and sincerely apologize for any inconvenience this may have caused. Unfortunately, during this time, I was severely ill and without any source of income. This unforeseen circumstance severely impacted my ability to meet my financial obligations, including my credit card payments. Since recovering, I have made consistent efforts to get back on track and have ensured all subsequent payments are made on time. I am committed to maintaining a positive credit history and have taken significant steps to manage my finances responsibly. This late payment is currently affecting my credit score and hindering my ability to secure a mortgage loan to purchase a house for my family. As this home is crucial for our stability and future, I am humbly requesting a goodwill adjustment to remove the late payments from my credit report. I deeply appreciate your understanding and consideration in this matter. Your support in this difficult time would mean a great deal to me and my family. Thank you for your time and assistance.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (LA)

I am an active-duty member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX  XXXX law, interest rates on all obligations incurred before or AFTER entering XXXX XXXX are capped at 6 %. Despite multiple attempts to inform American Express of this law, their representatives have failed to acknowledge it and have refused to cap my interest rate at 6 %. Other creditors have recognized and honored the XXXX XXXXXXXX law.
Consumer complaint received 2024-07-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CT)

Credence Resource Management has contacted me regarding a debt collection. I requested verification of the debt, but after 30 days, I received no response and a return to sender mail ( the mail I sent out for verification ). I subsequently sent another letter informing them that it is against the FDCPA for them to continue collection efforts or report the debt on my credit report without proper verification, to this I received no response. The debt is currently on my credit report with no change. My first mail I sent out on XX/XX/2024 and the second I sent out on XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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. (NY)

Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by EXPERIAN, violating the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information.

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate.

- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted.

Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report.

Request : I request the CFPB to : 1. Investigate this matter and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports.

3. Remove any negative marks associated with the disputed account.

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information.

- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

There appears a collection report on XXXX that is not mine. I have filed a dispute with XXXX, and called the XXXX XXXX to get this removed. The collection agency says it can not remove it without an account number that I must provide them. Since this is not my debt how an I supposed to do that? See Below. My credit rating has been lowered by XXXX points because if this error. 

Date Reported : XX/XX/year> Collection Agency CAINE & WEINER COMPANY INC Original Creditor Name XXXX  Date Assigned XX/XX/year> Original Amount Owed {$85.00} Amount {$85.00} Status Date XX/XX/year> Status UNPAID Balance Date XX/XX/year> Account Designator Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/year> Comments Contact CAINE & WEINER COMPANY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Disputes
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

This company by the name of Spring Oaks Capital  appeared on my XXXX Credit Report approximately around XX/XX/year>. First, I called the company requesting information about the alleged debt. The representative would not provide me with any information ; but wanted me to give personal information. And, stated, if I couldn't provide what was being asked, that I would need to write a letter. Immediately, I sent a certified letter XX/XX/year> ( please see attached copy of certified receipt ) requesting validation of the debt, the original creditor, an account number, and proof that the alleged debt belonged to me, including any signed agreements or contracts. Additionally, I did my due diligence and made sure the address that was listed on my credit report was the exact address to send to the company Spring Oaks Capital , LLC. ( credit report is attached ) To my surprise, the company returned my letter " return to sender no such number unable to forward. '' This indicates that the company does not want to be reached neither validate this alleged debt. Attached to this compliant is a copy of the return letter, a copy of the certified receipt, and a copy of my transunion credit report to show proof the address matches the company 's address on my report.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (WI)

On XXXX XXXX, 2024, I received an email from Goldman Sachs/ Apple Card notifying me that they were committing an Adverse Action upon me by lowering my Credit limit from XXXX $ to XXXX $ in violation of 15 USC 1681 a ( 2 ) k, for no other reason than information they illegally obtained without my written consent from XXXX XXXX who illegally violated 15 USC 1681b ( 2 ) by reporting harmful information upon myself and my person without my written consent and instruction. I called both Apple and XXXX XXXX and got no help.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lentegrity Management, LLC (TX)

I am trying to dispute inaccurate credit reporting for a XXXX XXXX XXXX. From the inception of our loan, we have never missed or had late payment, yet for the last couple of months ( XXXX and XX/XX/XXXX ) a late payment has been reported on our credit account. We had a {$1900.00} balance left on our account when the car was declared totaled after an accident. XXXX subsequently sent Lentegrity a check in the amount of {$1900.00} on XX/XX/XXXX to completely pay off the car. As a matter of fact, we had made our regular payment of {$170.00} on XX/XX/XXXX, yet a late payment was still reported. By that time, the account was completely paid off, yet they reported it as a profit/loss write off which consequently came up as derogatory on our credit report. This incorrect reporting caused a tremendous drop on our credit scores. Both my daughter and I have been calling for the last month and a half to get this issue resolved, but no one is ever available or has bothered to call us back. We have also filed disputes with each credit bureau. One is still pending and 2 came back as no change, which is absolutely false being that we had no late payments, and the insurance completely paid off the car. XXXX and XXXX are reporting write-off or profit loss, and XXXX is reporting that as well as late payments. This is completely false and the company refuses to take my call to revise.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

The co-signer on the account, XXXX had started a fraudulent application and realized it a little late. During the investigation we were told over and over to hold on to the gift cards that he had bought, and that you know everything was was going well. There are even calls he made that the agent said they are used to seeing this type of fraud. We received a letter stating that the fraud department needed additional information. On XX/XX/XXXX, XXXX called to find out exactly what to send. The agent he spoke to said there was nothing that needed to be sent, the temporary credits were now permanent and our case was closed. A few days later we received a letter stating that they had not received the information they asked for and they would be charging back the temporary credits of {$700.00} and {$750.00}. I called constantly to get this resolved. Not only had we not done anything wrong, but we received misinformation on XX/XX/XXXX stating the case was closed in our favor. I called incessantly because I knew my paycheck was going to deposit soon. The last representative of the office of the XXXX said that it was not fraud, but scam. This was the first time we had heard this term in the entire investigation. And the reason for the closure per the letter, was that they hadn't received the info they needed. We did call to say we had the information, what to do? Again misinformation was provided and the agent told XXXX to upload it right away and we they'd be able to look at it and see it, and resolve the issue. I am really surprised at the service of USAA. At no time where we give it any indication that we were going to have an issue. We still have {$750.00} worth of gift cards in our possession. The other XXXX was pulled out without authorization. Several issues have been caused because of this. I'm at my wits end. I just got paid, and I can not pay any bills, including my mortgage which I had to create a payment plan for. This issue has caused so much damage all the way around. Please look into this, again we did nothing wrong, but if we had we were given misinformation on XX/XX/XXXX and this issue should be resolved in my favor. This is absolutely ridiculous. I need help.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (SC)

Dear Discover Bank, I have not received a validation response to my request for verification on the debt. A card member agreement is not proof of debt. For account ending in XXXX you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : 1. Name and mailing information of the debt collector ; and 2. Name of the creditor to whom the debt is owed ; and 3. Account number ( if any ) associated with the debt ; and 4. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and 5. The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. Do not report my account as disputed without verification of what I am requesting. 
Thank you for your immediate cooperation.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Upgrade, Inc. (NC)

This is the same situation as XXXX XXXX. 

Upgrade falsely advertised pre-approved for credit card then always denies. This is the third time. 

UpgradeCard.com
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/year> I received an email from PayPal describing a transaction charged to my checking account. I closed this email and accessed my PayPal account directly. I saw on my PayPal account a transaction for {$680.00} which I did not recognize. I then accessed my checking account and saw that the charge for {$680.00} had been posted to my checking account. I opened the transaction in my PayPal Activity tab ; I called the customer support number indicated within the posted transaction on the PayPal web site. This customer support number was a scam. I was told that the transaction had already been completed, and that PayPal would need to transfer money to my checking account. Ultimately I was led through a series of steps which I foolishly followed which ended up in my giving access to my computer and to my checking account to the scammers. I was then told to withdraw {$19000.00} in cash from my bank and deposit it in an ATM, which turned out to be a bitcoin ATM. One {$100.00} bill was not accepted by the ATM, so I was defrauded of {$19000.00}. I was told by the scammers not to access my bank account until banks opened on XX/XX/XXXX, since the PayPal account and my checking account had been linked until banks opened on XXXX. After thinking over night about what happened, I called PayPal customer support the next day. I was told that the number on the transaction on the PayPal web site was a scam ; if I hadn't called PayPal customer service, there was nothing they could do. PayPal did return the original {$680.00} that had been charged to my checking account. I sent individual emails to 4 top PayPal execs on XXXX, I have not received a response. I had a second conversation with PayPal customer support which ended in a shouting match ; I'm not sure who hung up first. I should point out that I was not thinking clearly during this process since I had lost my wife of XXXX years in XXXX, and my XXXX wedding anniversary was the week before this scam happened. Since then I have had to close 2 checking accounts and one credit card at XXXX XXXX. NONE OF THIS WOULD HAVE HAPPENED IF THE SCAM TRANSACTION HAD NOT APPEARED IN MY TRANSACTION LIST ON PAYPAL 'S WEB SITE. WHAT IS WRONG WITH THEIR SECURITY??