davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp. (AZ)

Original debt from XXXX XXXX XXXX XXXX  XXXX sold to Absolute Resolutions which then sold to multiple entities XXXX, XXXX, XXXX, etc Both XXXXXXXX XXXX XXXXXXXX reported to credit agencies as collectors of the SAME DEBT as two separate items. I believe this to violate the FCRA???? 
I subsequently reached a settlement agreement for the debt with XXXX and paid them via cashiers check. They then removed the item as agreed, but XXXX refuses to remove after multiple requests and continues to report as the owner of the debt which it has sold. I believe this to be fraudulent. I am attaching notice from my attorney concerning the settlement via email copy.
Consumer complaint received 2024-07-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Total Auto Finance (MD)

I purchased a vehicle during the pandemic. I did get behind on my payments and when I reached out to pay the balance or make a payment they refused to accept the payment as I still had the vehicle in my possession. I tried several times to make a transaction before repossession but the dealership wasnt interested in a payment they came two months later removed the vehicle. I reached out again to see if I could get the vehicle back and pay the balance and it was no resolution as the company argued. Unfortunately at that point I had no choice but to disregard any act to redeem the vehicle back in my possession. I notice once looked at my credit it was paid off and charge off at a totally different amount then previously financed initially. I have tried reaching out havent had much success. Hopefully you can help me reslove this matter. Thank you
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today, I deposited a postal money order of {$1000.00} into my personal account ( XXXX ) at Bank of America because my local post office didn't have enough funds to cash it. The branch teller informed me that the funds would be available by XXXX, XX/XX/XXXX. However, later in the day, I received an email stating that the funds would be held until XX/XX/XXXX for verification. In a panic, I called Bank of America and spoke to a supervisor, who confirmed the extended hold. I requested the return of my check, explaining that I needed the funds to pay my rent, but they said they couldn't do anything. I need to file a complaint about the misinformation I received. Had I known about the hold, I would not have deposited the money order.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies Equifax XXXX  and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. 

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus Equifax, XXXX and XXXX and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. Addresses : The following are, Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize them. The inquiries Are also listed below XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be noted
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

I've been trying to purchase a subscription through Google pay using a couple different perfectly good credit cards. 
However Google pay has put a hold on my use of their monopolized online payment service, pending my submission of personal and financial information that doesn't concern them.

I don't have a Google bank account or credit card, and have canceled and deleted any games Google pay services.

Google does NOT NEED my information, yet they are holding my abilty to use their monopolzed online pay services hostage, in an attempt to extort my personal information from me. 

I see this as illegal " Pretexting '' under federal and state laws. 

The Gramm-Leach-Bliley Act ( GLB ) of 1999 requires financial institutions to protect consumer financial privacy, including information like names, addresses, and income.

State laws California 's Financial Information Privacy Act ( FIPA ) gives consumers the right to limit how financial services companies share their personal information. FIPA applies to banks, credit unions, insurance companies, and other financial services companies. 

Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information, and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. '' And I demand that something is done, and I am compensated for my losses of time, abilty to make online purchases, and loss of profitable financial opportunities, due to Google pays illegal policies, causing mental aggrivation and loss of potential profits.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently filed a complaint about portfolio recovery attempting to collect a debt without properly giving me notification for the following account XXXX. I requested that they provide me with evidence that they gave me proper notice allowing me to dispute the debt before it reached my consumer report however they did not provide that document. I also requested the purchase agreement since they claimed that they purchased the debt but they also failed to provide that ( complaint # XXXX ). Now I am certain that they are attempting to collect a debt that is not owed and are falsely reporting an account on my consumer report without having any proper verification. Pursuant to 15 U.S. Code 1692g ( c ) Failure to dispute the validity of a debt can not be construed as admission ( I never received proper notification nor have they provided proof I received notification ). This is a huge violation of the consumer protection act and this is going to be their last chance to rectify this situation by deleting this account from my consumer reports before I seek further action. If Portfolio recovery believes otherwise, then I demand that they provide the certified green return card bearing my signature at least 30 days prior to reporting this information AND the purchase agreement.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

On XXXX XXXX I received an email from XXXX yet the body of the email states its actually a company called resurgent capital services LP trying to collect a debt I allegedly owe to XXXX XXXX On XXXX XXXX I received a second email so I called and spoke to XXXX XXXX and requested additional info on this debt, I was told LVNV Funding LLC purchased this debt on XX/XX/XXXX and that resurgent capital services LP was their third party. I stated I never received written information along with dispute details and questioned why I would receive email notifications first and asked how my email address was acquired, XXXX XXXX said a skip trace was done to get my information, again I demanded written notification be sent to me with dispute details which I have not received yet I keep getting emails for payment. I find it alarming this debt was purchased XXXX day before last weeks XXXX XXXX, last week I received a second email from XXXX XXXX XXXX  since XXXX regarding a breach from XXXX of XXXX exposing call/data logs, Ive had my email XXXX hacked twice XX/XX/XXXX and XX/XX/XXXX, Ive had my medical records breached in the XXXX XXXX breach last year, Ive had accounts created for renters insurance by my previous landlord who would never give me policy number/details when requested it for XXXX XXXX XXXX XXXX XXXX  yet they were obtained in my name, Ive XXXX checking accounts compromised and XXXX debit/credit cards closed due to unauthorized activity, Ive received calls/texts wanting to buy homes I dont own all in the last XXXX years. I feel Ive been XXXX stalked and or my identity has been stolen/compromised, please advise on how to make a police report at your earliest convenience. The more I tell companies not to share/sell my personal information it seems the more vulnerable it becomes. The XXXX XXXX in the logo of resurgent capital services LP and LVNV Funding LLC look striking similar to the signature green of the corporate landlord Ive been battling with for XXXX yrs and happens to have the same agent for service XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TX)

I disputed these accounts and requested proof from the original creditors that this debt collector owns these debts and has the legal authority to collect them or delete these accounts immediately. All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update anything. 

RASH CURTIS & ASSOCIATES with account # XXXX RASH CURTIS & ASSOCIATES with account # XXXX
Consumer complaint received 2024-07-27
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: CITIBANK, N.A. (NJ)

Charge : {$280.00} on XXXX, and according to Citibank transaction record, XXXX XXXX XXXX '' at merchant, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

A second charge was also attempted that day on my Citibank card which was declined due to fraud suspicion ( which I confirmed as such ). The first charge was deemed my responsibility since a card was supposedly presented. 

However, even though the cards were in my possession that same day as the fraud activity took place, my phone geolocation data has me and my wife ( other authorized user ) over 30 miles away from that merchant ( we have also never done business with that merchant before nor have I been in/near that town for at least a decade, likely at least a couple decades- only reason I can't claim longer is I moved away from that area XXXX yrs ago ). 

If a card with XXXX was presented, as claimed by Citibank, there are now people cloning cards or faking cards with such technology ( I see some XXXX articles about such ). The quick closure by a financial institution despite trying to assert I was nowhere in the vicinity and placing the payment responsibility on me is inappropriate. 

Please let me know my options to resolve.
Consumer complaint received 2024-07-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NV)

I bought a prepaid vanilla gift card for {$220.00} at a XXXX. I came home and the package had been tampered with and when I went to activate it, they told me the verification was no good and there was a problem. They told me to email a copy of the receipt and a picture of the front and the back of the card to them so I did this on XX/XX/XXXX. Its XX/XX/XXXX and I have heard nothing from them. Ive called at least six times I get the runaround every time. They keep telling me every day I need to wait 48 hours to hear from them. I cant understand what theyre saying. I am a XXXX  mom with XXXX kids. I need that money desperately.
Consumer complaint received 2024-07-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (NC)

I am only XXXX XXXX XXXX ; and somewhat naive to the process. When I borrowed the {$750.00} in Loan Number XXXX. The company failed to disclose that the annual interest rate was 703.2 % and that they expected XXXX installment payments of {$100.00}. I borrowed {$750.00} and they want me to pay them {$4000.00}. This is a ridiculous and exorbitant amount of interest and they should not be allowed to get away with these unethical business practices. The business name is AFS CS d.b.a Three Sticks Lending ; XXXX XXXX XXXX ; XXXX XXXX  XXXX phone number ( XXXX ) XXXX
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FB FINANCIAL CORPORATION (TX)

First Bank XXXX transfered the loan to First Bank, Serviced by XXXX. I received a letter dated XX/XX/year> stating the change and that nothing would change on my side. 
I had made my XX/XX/XXXX payment like I always do thru my bank portal, which sends and electronic payment to the servicer. The electronic payment went out XX/XX/year> and was debited on my account XX/XX/year>. I received a letter stating they hadn't received my payment and I didn't see it until XX/XX/year> as I travel alot. I called XXXX on XX/XX/year> and sent proof of payment, which I had to contact my bank, they sent me a picture ( jpg. file ) of electronic transfer and showed all the information. On XX/XX/year>, I called XXXX and asked him about an update as my next payment was due that day and I didn't want to do it via my bank portal as they would probably lose it again. He told me no update as they were still researching. I made XXXX 's payment to him over the phone via phone payment. I gave it a few days and called back XX/XX/year> to XXXX XXXX, still same thing, no word on the research. Later that day, I received notice from XXXX XXXX that my credit score had dropped. To my AMAZEMENT, IT DROPPED OVER XXXX POINTS DUE TO THIS SCREWUP. THIS IS NOW AFFECTING ME FINANCIALLY. I called back and told them this was affecting me and he stated after the research, it would be 30 days or XXXX when they could upload new credit information. I told them this was unacceptable!! My credit score went from XXXX to XXXX just like that. I can't sleep at night knowing this is so low. I called XXXX today, XX/XX/year> and she's now asking for a bank statement showiing proof. I emailed it today. I will call them back Tuesday again on XX/XX/year>. This is slander to my financial well being.
Consumer complaint received 2024-07-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

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 Subject : Notice of Dispute and Cease and Desist Dear AmSher Collection Services, I am writing to formally dispute the debt referenced in your collection notice dated XXXX, associated with XXXX. I do not recognize this debt and request verification of its validity under the Fair Debt Collection Practices Act ( FDCPA ). 
Additionally, I hereby demand that you cease and desist all communication with me regarding this matter, except to provide written verification of the debt or to inform me that collection efforts are being terminated. 
If you fail to remove this collection from my credit reports, I intend to hold you liable under the dispute resolution clause in the original agreement with XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank has closed all my credit cards with them which includes my two Home Depot credit cards, Macys amex card, and Citi world elite master card. Citi banks explanation for closing my accounts was " shows you have too many open revolving credit accounts '' This is a false cause because I have not had any new accounts for over 3 years and I don't have that many accounts. My credit has been exactly the same for the past 4 years and I have been with citi since 2017 and have never missed a payment nor any delinquencies. My credit is over an XXXX score and I don't have any lates or discrepancies. Citi has been recently fined by the cfpb for closing bank accounts for XXXX  people with last name ending in XXXX or XXXX. I am a victim of this XXXX. I will move forward with a lawyer if citi does not re open my accounts because this is XXXX  and discrimination just because I am an XXXX. I have had credit for over 20 years and never had a bank close my accounts ever. I have wonderful credit which I have proof of. Citi bank must reopen all my account I have had years of wonderful credit history with them and never gave a reason for an account closure. The only explanation as my lawyer said was me being XXXX. Please help me.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MN)

On XXXX a charge was placed on my account XXXX. The charge is disputed. Discover required payment for this charge. I made payment via ACH payment on XX/XX/year> in the amount of XXXX. For an unknown reason the payment did not go through. Discover then placed a fee on my account XXXX and XXXX XXXX. Total due {$30.00}. 

I called Discover on XX/XX/year>. They told me that my bank charged them a fee of {$14.00} so they are passing the fee on to me. This is an outright lie. See chat transcript from my bank from today. My bank states there was never an attempted ACH charge to my account during the entire month of XXXX, XXXX. The bank further states they know of no fee charged to my credit card and they also there is not a fee that would have been charged for any failed ACH. 

Discover is defrauding me of XXXX as Discover was never charged a fee. Discover is trying to collect on a charge that I have disputed. 

I asked Discover on the phone to provide proof that they were charged this fee. They refused to provide any proof.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK (AZ)

I transferred XXXX dollars to cover my account per my email confirmation from XXXX XXXX the funds were transferred at XXXXXXXX XXXX on XX/XX/XXXX it took first bank until XXXX XXXX which is after there cut off time to post the funds so they charged me XXXX XXXX dollars fees I have had several conversations with reps and they immediately make you feel like its your fault
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to seek your assistance regarding a denied claim for unauthorized transactions on my checking account with Chase Bank. Despite my numerous attempts to explain the situation, Chase has repeatedly denied my claim, and I am now turning to your office for help.

Here is a summary of the situation : 1. Activation and Loss of Card : I activated my new Chase debit card shortly after receiving it. Unfortunately, my wallet was lost soon after, and while I managed to cancel all my other cards, I forgot to cancel the Chase card as it was very new and I did not recall placing it in my wallet. This account was intended for savings and bill payments only, and I did not use the card for personal purchases. 
XXXX. Unauthorized Transactions : For an entire month, the card was used without my knowledge in various locations, including cities I have not visited, such as XXXX ( I live in XXXX ). I became aware of the unauthorized use only when Chase sent me a notification about a {$500.00} gift card purchase. I immediately called Chase the next day to report the fraudulent transactions and explained my situation to a representative. 
XXXX. Claim Submission and Denial : Despite my prompt report and detailed explanation, the claim was denied. I have written numerous letters to Chase pleading my case, but the denials persist. Chase provided two main reasons for the denial : They claimed I should have been aware of the transactions due to multiple notifications. However, I do not have notifications set up and did not receive any emails regarding the transactions, except for the fraud text about the gift card.

They argued that the card was activated and used immediately. While I did activate the card right away, it was lost soon after, and the unauthorized use began thereafter, which does not justify their denial.

I am extremely frustrated and distressed by this situation, as the unauthorized transactions have significantly impacted my finances. I believe Chase has not fully understood or appropriately addressed my case, and I am in urgent need of your assistance to resolve this matter fairly.

Thank you for your time and attention. I look forward to your prompt response and assistance in this matter.
Consumer complaint received 2024-07-26
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. (WA)

I have disputed some items with Experian and filed a compliant due to them not taking action. I have mailed them my proper identification and they emailed me today with my dispute results. However, none if the items were investigated, address and names were not removed, and I have no knowledge of their what their dispute results are. This has also taken much longer than 30 days.