davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my FLAGSHIP CREDIT ACCEPT XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Consumer complaint received 2024-08-28
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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/scrub> 2024, I disputed a charge for {$86.00} to my Goldman Sachs credit card account regarding a transaction with XXXX XXXX. This dispute was related to fraudulent and deceptive practices by XXXX. 

When I contacted XXXX directly to request a refund in XX/XX/scrub> 2024, their representative informed me that they " do not have any possible ways to initiate a refund on deleted account as the account is no longer registered in XXXX. '' The representative explicitly advised me that " the best will be to dispute the charges with the credit card company. '' Not only did XXXX engage in fraudulent business practices, but they lacked the necessary technological or operational capacity to redress the matter. 

On XX/XX/XXXX, Goldman Sachs denied my chargeback request, stating that " the transaction was not canceled in accordance with the merchant 's terms and conditions. '' This assessment is neither correct nor germane to the dispute. I did not violate any terms or conditions established by XXXX, whether in establishing, maintaining, or ending my business relationship with them. The charge in question relates to my cancellation and is, in fact, fraudulent. My compliance with terms set forth by XXXX was not questioned when I contacted XXXX for redress. 

I contacted Goldman Sachs again on XX/XX/XXXX to reopen the dispute case. Goldman Sachs agreed to do so, but, as of yet, they did not resolve the issue. 

Goldman Sachs ' handling of this dispute appears to violate their legal obligation to handle disputes fairly. Their decision ignores the context of XXXX 's alleged deceptive practices and disregards the merchant 's own advice to dispute the charge. Their reason for denying the dispute is irrelevant to my complaint and is not grounded in fact. I believe their poor handling of this dispute case is part of a pattern of mishandling customer refunds and billing disputes.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

On XX/XX/XXXX I was just notified by my credit reporting company that a debt associated with TrueAccorrd a collection agency hired by XXXX was added to my credit profile with no prior notice. I then contacted both XXXX and TrueAccord and TrueAccord informed me that the debt was from XXXX. TrueAccord said I should contact XXXX which I did but XXXX is unable to confirm the debt. I am in the process of closing on a loan and this is currently affecting me.
Consumer complaint received 2024-11-01
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. (TX)

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( XXXX ) which goes against the 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
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TX)

We requested that they remove the late fees because I paid in full when I was living in CA, before moving to XXXX However, a few months later, they placed me with a collection agency for less than {$0.00}. Since then, I have been trying to have the late payments removed. 

I paid the {$0.00} and closed my account with them due to the trouble they caused. Despite my efforts to resolve the issue and pay the amount in question, they are still refusing to remove the late payments from my credit report.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercury Financial Intermediate LLC (FL)

DEBT VALIDATION FINAL NOTICE, NOTICE OF INTENT TO SUE XX/XX/2024 Mercury Financial LLC Dear Mercury Financial LLC CFO and employees, This letter is being sent to you in response to : Correspondence ( Exhibit A ) received by XXXX XXXX XXXX  on XX/XX/2024, regarding Account Number at Mercury Financial LLC XXXX I DO NOT understand YOUR intent, nor do I stand under your intent. 

On XX/XX/2024 your received my request for DEBT VALIDATION. 
On XX/XX/2024 you responded via CFPB to me correspondence Attached is the verification requested. 

XXXX. I did not request verification, nor did I ask for your opinion- I requested DEBT VALIDATION with point by point validation requested pursuant Fair Debt Collection Practices Act, 15 USC 1692g. 

This was NOT a request for verification or proof of my mailing address, but a request for DEBT VALIDATION made pursuant to the above-named Title and Section. 

XXXX. Since you were not able or willing to VALIDATE this debt, and provide requested information point by point : Signed in wet ink contract Debtor XXXX XXXX has made with Debt Collector Mercury Financial LLC, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Contract with your client that grants Mercury Financial LLC the authority to collect this alleged debt. 

Any agreement/contract that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 



There is no VALID DEBT to be repaid to Mercury Financial LLC. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
Since your office failed to respond point by point to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, my debit card ending in XXXX was charged {$470.00} by XXXX XXXX XXXX in XXXX XXXX, XXXX. Since my account was closed due to other unauthorized charges, I checked my email for a booking confirmation but did not receive one. I then contacted the hotel via the email provided on their website at https XXXX XXXX XXXXo dispute the charge, explaining that I had not authorized the payment and had not stayed at their hotel. 

XXXX XXXX, the Front Office Manager, responded, stating that the charge was a no-show fee and that he could not issue a refund. I have included attachments showing the breakdown of these charges and confirming that I did not sign any agreement accepting liability for this fee. The lack of a confirmation email prevented me from being aware of and managing this booking. 

I filed a dispute with my bank, Wells Fargo, on XX/XX/XXXX, under Claim # XXXX, providing all relevant communication and details about the unauthorized charge and my attempts to resolve the issue with the merchant. 

When I contacted the Wells Fargo Claims department on XX/XX/XXXX, I was informed that the claim was still in progress and received a provisional credit of {$470.00}. However, on the same day, this provisional credit was reversed. I called Wells Fargo again on XX/XX/XXXX, between XXXX and XXXX am, and was informed that the claim would soon be denied. I am unsure why the claim would be denied, given that this was an unauthorized charge, no services or goods were rendered, and I made efforts to resolve the issue with the merchant. 

Additionally, on XX/XX/XXXX, I noticed an unauthorized recurring payment of {$280.00} to FuboTV on my account. I filed a claim with Wells Fargo on XX/XX/XXXX, and this claim has since been opened and reopened multiple times. The merchant confirmed that the subscription was unauthorized and was signed up using an email address that did not belong to me or one that I authorized. Attached are communications with the merchant regarding these unauthorized charges. 

Furthermore, there were unauthorized charges for XXXX app subscriptions on my old account. I filed a claim for these charges under Claim # XXXX. I contacted both XXXX XXXX and XXXX XXXX, who stated that due to the XXXX resolution period having passed, I should resolve the matter with my bank. Despite this, Wells Fargo is attempting to hold me liable for these charges. This is contrary to Wells Fargo 's own statements on their website, which indicate that customers should not be held liable for unauthorized charges. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-28
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: DISCOVER BANK (FL)

Regarding Discover credit card. I had wallet stolen in XX/XX/year>. I asked Disciver to send new card to my nyc address. They changed my statement address as well, which I did not ask.. I wanted my statements going to same address at Florida address where my bills are paid. I did not pay a statement because I didnt get new statement at my nyc address. Discover then reported to XXXX I was late oayment and it dinged my credit score from XXXX to XXXX. It really hurt my score. I called and disputed this with Discover but they said I asked for statements to be sent to my XXXX address and this is NOT true. Discover did this without my authorization. I want the recording and proof from Discover that they said I asked for statement address change. 
They have refused to correct this report of XXXX late payment ( due to statement changed they did ) and hurt my credit score terribly!!!! I want this corrected and that is why Im reporting them because they are not cooperating.
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (TX)

Received a call on my work phone ( government employee with a private number ) at XXXX AM CT, XX/XX/XXXX. I notified them that this was a government line and that it was inappropriate to contact me at this number. The man said I needed to confirm my date of birth, address, or social security number. I declined to do so and asked for his supervisor. When I was transferred to the " supervisor '' I was again asked to confirm my date of birth, address, or social security number. I told him I would not be confirming any personal data via my work phone, again reiterating that it was highly inappropriate for them to be contacting me on a government line. He said he could not move forward with anything until I confirmed my personal information. I stated that this was harassment and that receiving debt collection calls at my workplace disrupts my professional environment and interferes with my ability to perform my job duties. Discussing personal financial matters, including debt, in a workplace setting can compromise my privacy and lead to potential embarrassment or professional repercussions. This is particularly concerning in a government setting, where maintaining a professional reputation is crucial. Repeated calls from this collector could potentially jeopardize my job security, especially if such calls are perceived as a misuse of government resources or if they interfere with my work performance. 

They have repeatedly called my mobile ( personal ) phone, texted, and emailed ( XXXX emails ) me as well, during work hours, and a few times late at night, close to XXXX PM while I am putting my young children to bed. Excessive and intrusive communication methods, such as contacting me through multiple channels late at night, is unfair and abusive. Constant communication at inappropriate times is causing emotional distress and affects my overall well-being. I feel that they are conducting their business in a manner that unduly distresses and intimidates me. 

They called me 3 times XX/XX/XXXX, and again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and so on. This is beyond harassment. Each time leaving a voicemail. 

The company is XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX- both calling regarding the same medical debt from my infant 's emergency hospitalization at XXXX weeks old.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (SC)

There are inquires on my credit reports that i did not authorize : XXXX XXXX XXXX Webbank/Avant 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 2019-12-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

Hello my name is XXXX XXXX I went to the university XXXX XXXX back in XXXX exact date XX/XX/XXXX I only stayed at this school until XX/XX/XXXX according to the university XXXX XXXX they were dispersed XXXX dollars from Sallie Mae 's now navient. They refunded navient back on XX/XX/XXXX in the amount of XXXX navient is stating that they have no record of that while I emailed the proof the ledger of what was refunded back to them. They are stating that I have to pay navient back over XXXX the total amount dispersed for the two months that I attended that school was in the amount of XXXX. They are trying to make me pay and extra XXXX and some change for something I never used. XXXX XXXX response to the matter was well why are you looking into it now 11 years later. While I was in school and still in school I thought my loans was deferred but according to them which I did not know at the time that a private loan you have to pay back while still in school and they are trying to make me pay for something that I never used as well as not will to work at a reasonable price for repayment to what I can financially afford. They were rude, nasty and not made statements to me that you should not say to a customer such as " why am I looking into the matter now '' " you should have did this 11 years ago it's to late '' " it's a debt that has to be paid '' I'm willing to pay what i used and that is the XXXX not over XXXX dollars. Inhave documents to prove what was issued to university XXXX XXXX and what was refunded back to navient. THERE IS NO WAY THAT FOR 2 MONTHS OF SCHOOLING THAT IT COST XXXX DOLLARS. They are disguising student and not explaining what a private loan is and when it comes time to pay they are not flexible with the students and what they can afford. I would like to take this higher to a class action lawsuit if possible.
Consumer complaint received 2024-08-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp (DE)

Dear Sir/ Madam, According to the " Fair Debt Collection Act '' ( 15 USC 1692 et seq ) provide verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with XXXXET-INK SIGNATURE SIGNED under the penalty or provide a copy of a judgement, sworn by the WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar days of the receipt of the notice. 

Zuntafi Corp ( Debt Collector ) did not provide sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under the penalty or provide a copy of a judgement, sworn by the WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant in twenty-one ( 21 ) calendar days of the receipt of the notice.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NY)

I tried to make payments to the original company XXXX and then XXXX was put on the account without any email from XXXX or phone calls about the account being late. Jefferson, never sent me any details on this being owned or sold to them. Now XXXX XXXX is telling me they own the account from Jefferson with not proof or notice that this has happened.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

I booked a flight and hotel on XXXX for the wrong date. I immediately called and canceled and was told my refund was completed in the XXXX of XXXX, 2024. Within XXXX days I received the hotel portion of the refund, which was approximately {$170.00}. I have contacted both XXXX and cash app. XXXX has released the funds, but cash app is claiming they dont see it and it takes at least XXXX business days. It has now been XXXX business days and XXXX  days total. I havent received the refund of {$470.00} yet.