davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

Subject : Ongoing Credit Reporting Issue - Fraudulent Transaction Not Resolved Dear Consumer Financial Protection Bureau I am writing to formally complain about a persistent issue that has severely affected my credit score and financial standing. Despite my previous complaint, which was resolved in my favor, the issue remains unresolved. 

Details : Account in Question : Credit card Home Depot Involved Parties : Home Depot and CitiBank Nature of the Issue : Fraudulent transaction In XX/XX/XXXX, I reported a fraudulent transaction linked to my Home Depot credit card issued by CitiBank. Following my complaint, Home Depot agreed to erase the fraudulent transaction from my account and assured me that my XXXX score would be corrected accordingly. 

However, it has now been two months since that resolution, and I continue to receive bills from Home Depot for the fraudulent transaction, which now includes interest charges. This ongoing issue is negatively impacting my XXXX score, preventing me from securing a mortgage. 

Attached Documentation : Copies of Home Depot and CitiBanks decision to erase the transaction. 
Copies of the new bills I received in XX/XX/XXXXXXXX 
I respectfully request that you investigate this matter promptly and take the necessary steps to correct my credit report. If this issue persists, I will have no choice but to pursue legal action against both Home Depot and CitiBank for the damages caused by their failure to resolve this fraudulent transaction. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX west XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lien Enforcement Inc (CA)

I have been getting phone calls from Lien Enforcement ( tha 's the name in the coller ID in my cell ) ( XXXX ) XXXX. They are looking for a person that is not related to me and is definately not found in my house or at my XXXX. I have asked them many times to remove my number but they hang up on me and continue to call. 

I advised them that I would be filing a complaint and their reply was to hang up on me. 

They have called me about 5 times in the past two weeks. 


Please help
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied for a Hilton honors credit card  thru XXXX so that if I got rejected it would not show. I had canaled my XXXX XXXX XXXX American express card XXXX months ago after XXXX  years never missing payment because when XXXX took XXXX XXXX over they ruined the rewards program so that it was nearly impossible to get a free room. I was accepted for the card but was told that they would not offer me the promotional benefits to me. They did not disclose that the promotional offer was contingent i don't have a hotel card and it seems that i have been XXXX XXXX  as every time for the past XXXX years I am denied the promotional offers. In 2022, XXXX took my XXXX XXXX miles card and upgraded it to a XXXX XXXX point card which i did not like so i canceled the XXXX XXXX card and applied for the regular XXXX XXXX card which i had pre piously enjoyed and was denied the promotional offer even thought they took the miles card away from me, I did not close that account.. eventually giving me a greatly reduced promotion even after many hours on the phone arguing with them and reminding them that though it has been my main bank for XXXX  years. I can not remember all the cards that i have applied for but they all rescind the promotional offer when they accept me. How is this legal. XXXX turned me down for the miles card at least XXXX times last year even thought they invited me to apply and i have XXXX credit rating and XXXX XXXX in their. its the same with all the card companies except XXXX last year kept their word and I use their XXXX  travel card bank. The last time i applied for an Amex was the XXXX XXXX in XXXX as an alternative to the XXXX  card. I want to get a Hilton card because i do not have a hotel card and the XXXX card has a worthless rewards program so i quit wasting the yearly fee on it. I have not applied to American express for XXXX  years and have not had a promotional offer from them since then. They can not accuse me of churning .So they approve me for the Hilton card but with hold hold the promotion. Why? Am I not allowed to cancel the XXXX Card when they total destroyed the rewards program- I was a member since XXXX and XXXX XXXX was my only Am EX card for XXXX XXXX years? So how come Am EX is allowed to discriminate against me of All the card companies, I haven't had a promotional offer from them since XXXX
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

On XXXX XXXX, XXXX the wire the international wire transfer was initiated from XXXX to Chase bank to XXXX XXXX for the amount of XXXX XXXX. XXXX digit of the Receivers account at chase was omitted. 
Multiple times in XXXX and XXXX the XXXX requested either a recall or correction of the account that were ignored by Chase. Since XXXX, I, the Receiver, requested a correction or recall to be executed, have provided all the supporting document. Chase is aware that the wire transfer is incorrect. Has reserved the amount on the wrong account so it can't be used but has not credited the correct account for more that XXXX  years. 
Stoped either reaching out to the 'wrong account ' owner or respond to me. 
Chase knows that I'm the write full owner of the int. wire transfer but refuses to credit me the money and has been depriving me of my funds. This is unethical, unfair and illegal practice by Chase. 

I have been reaching out to the Office of the Controller of the Currency ( case XXXX ), Chase replied to the complain with wrong fact that there was no recall requested, even when they have all the proves from the first year of the dispute. I was advised not to appeal to OCC but file a new complain with Consumer Finance.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank is a nightmare to deal with and has caused me unwanted XXXX XXXX XXXX They also charged a {$30.00} late fee and I dont know why. 

I do not want any communication from them except in writing only. Therefore please cease and desist ALL calls, texts and/or emails effective immediately. Only communication will be in writing only
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-07-19
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

Dear Sir/Madam at LVNV Funding LLC , I am writing to formally dispute and request the removal of an alleged debt of {$1200.00} from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual relationship with your company or the original creditor. 
The inaccuracies regarding this account are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To address this issue, I require the following documentation : Evidence of your authorization to collect debts under 15 U.S.C. 1692 ( e ) and 1692 ( f ).

The legal basis for collecting this alleged debt.

Proof of your authorization to operate in my state.

Documentation of the alleged debt, including any contracts or agreements with my signature.

A complete account history, including all collection-related charges.

I am filing a formal complaint for violations of my rights under the FCRA and FDCPA. Specifically : 15 U.S.C. 1692d : Prohibits harassment or abuse in debt collection.

15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations.

15 U.S.C. 1692g ( b ) : Requires proper disclosure of my rights.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt.

Pursuant to 15 U.S.C. 1692g ( b ), I demand an immediate halt to all communication and collection activities related to this account. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), no account should be furnished without my written instructions.

Given the fraudulent nature of this account and the lack of contractual obligation on my part, I request the immediate removal of this disputed account from all credit reporting agencies. Please provide the requested proof of debt and your authority. If you can not provide such proof, I insist that you delete any erroneous reports of this alleged debt from my credit files.

Your prompt attention to this matter is crucial. Failure to comply may result in further legal action to protect my rights.
Consumer complaint received 2024-08-19
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: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX, I received a response from Resurgent Capital Services L.P. regarding an account purportedly owned by LVNV Funding LLC. The account number is XXXX, originally opened witXXXX WebBank and XXXX on XX/XX/XXXX. The account was charged off on XX/XX/XXXX, with a balance of {$820.00}. 

I have repeatedly requested that LVNV Funding LLC provide proof of their legal authority to collect this debt in my state, as well as valid documentation proving the debt is mine. To date, they have not provided any such proof, and I have strong reason to believe that LVNV Funding LLC is not authorized to collect debts in my state. 

Despite the lack of proper documentation and authorization, LVNV Funding LLC continues to report this account to the credit reporting agencies, which has negatively impacted my credit score and financial standing. Their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ( g ) ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. 

I have disputed this account multiple times through the credit bureaus, and each time, Resurgent Capital Services L.P. has responded with insufficient verification, failing to provide any substantive proof that this debt is valid or that LVNV Funding LLC has the legal right to collect in my state. 

This situation has caused significant distress and has harmed my credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate LVNV Funding LLC and Resurgent Capital Services L.P. for their unlawful and unauthorized collection activities, and to ensure that this account is removed from my credit report immediately. 

Dates Involved : XX/XX/XXXX : Account opened with WebBank and XXXX. 
XX/XX/XXXX : Account charged off. 
XX/XX/XXXX : LVNV Funding LLC acquired the account. 
XX/XX/XXXX : Received a response from Resurgent Capital Services L.P. that failed to provide adequate proof of debt or authorization to collect. 

Amount Involved : {$820.00} ( Balance reported by LVNV Funding LLC ). 

Actions Taken by Me : Disputed the account with the credit reporting agencies. 
Requested proof of the debt and authorization from LVNV Funding LLC and Resurgent Capital Services L.P . 

Actions Taken by the Company : LVNV Funding LLC reported the debt to credit reporting agencies despite not being authorized to collect in my state.

Resurgent Capital Services L.P. responded with inadequate documentation and failed to provide proof of the debt or authorization.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint against XXXX XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX XXXX XXXX Account XXXX Balance Owed : {$1200.00}
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has repeatedly refused to cash CASHIERS CHECKS that are valid and payable to me IMMEDIATELY. I have to argue with them because cashiers checks are guaranteed funds but Im told by the teller that Wells Fargo has a permanent note in my account ( for no legal reason ) to not cash checks for me and to not give me cash This isnt even legal to do as the bank has never contacted me to tell me there is anything wrong with my account. The embarrassment and emotional distress it has caused is unlawful and unacceptable to be told in front of other patrons that they must put a hold on cashiers check funds? For what lawful reason?

Wells Fargo has been sued in the past for putting illegal holds on patrons funds in order for the bank to benefit financially and This HAS TO STOP.

Wells Fargo repeatedly breaks the law in order for financial gain done globally Im sure Im not the only customer it does this to, RICO charges need to be filed on this bank for Unlawful business practices that benefits the bank while harming its customers
Consumer complaint received 2024-08-19
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: Resurgent Capital Services L.P. (NC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-08-19
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: TRANSWORLD SYSTEMS INC (MS)

XXXX ALLOWED XXXX XXXX XXXX, AND TRANSWORLD SYSTEMS I TO REPORT THIS ITEM ON MY CREDIT WHICH IS NOT IN FACT MY MINE. I NEVER HAD A CAR LOAN WIHT XXXX XXXX XXXX I WOULD ASSUME IT IS IMPOSSIBLE TO HAVE THIS ON MY CREDIT WHEN IT IS NOT MINE. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO AN INESTIGATION. XXXX FAILED TO PERFORM An INVESTIGATION. THOSE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED XXXX THE REPERSENTIVE CONFIRMED THAT THE ADDRESS IT WAS UNDER IS NOT MY ADDRESS SHE STATED THAT IT WILL IN FACT BE UPDATED ITS NOT UPDATED
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (CA)

During the course of about the past three or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Original creditor : Speedy Cash Account name : XXXX XXXX XXXX  Date opened : XX/XX/2023 Amount owed : {$310.00}
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (MD)

A credit inquiry was done fraudulently on XX/XX/XXXX from Barclays and on XX/XX/XXXX from XXXX XXXX, I have been a victim of identity left in the past, I contacted both fraud departments of each company and contacted all three credit bureaus with no help removing these fraudulent inquiries.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC AddressXXXX XXXX XXXX XXXX XXXXXXXXXXXX, SC XXXX Account number : NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX Dear ( LVNV FUNDING LLC ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.