davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (GA)

I have made multiple efforts to request validation documentation regarding a debt listed on my credit report. I have requested the name and address of the original creditor ; the amount of the alleged debt, an itemized list of charges that resulted in the alleged balance ; the last billing statement from the original creditor ; the purchase agreement associated with the alleged debt ; validation of the statute of limitations ; and authorization to collect the debt. I have received none of the requested information to date.
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: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

Allegedly, according to Spring Oaks Capital LLC on XX/XX/year>, I opened an account with Spring Oaks Capital LLC ( Original Creditor ). I have never done a loan or any other type of business with this company. I have disputed this with them and with the credit bureaus to no avail. The bureaus have not removed the bogus information. You can not owe money to a company you have never done business with or agreed to a loan. This is fraud. They can not prove I ever signed for, received, or used this money because I never did sign a loan, receive money or use money they never gave me.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. They also didnt follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I am specifically concerned about the following actions taken by XXXX XXXX : Failure to Provide Validation : XXXX XXXX has placed a collection on my consumer report without providing the required validation information as outlined in XXXX2 CFR 1006.34 ( b ) ( 5 ). This information is essential for me to verify the accuracy of the debt.

Denial of Dispute Opportunity : I have not been given the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of my right to dispute the debt is a clear violation of the FDCPA. 

XXXX and XXXX Practices : XXXX XXXX has engaged in false, misleading, and deceptive practices. They have no authority to furnish any account to a consumer reporting agency without providing the necessary disclosures, as outlined in 12 CFR 1006.344 ( d ) and 15 U.S.C. 1681-s 2 ( 7 ) ( A ). 

Unauthorized Communication : I am disputing the debt and revoking all rights of XXXX XXXX to communicate with me through email, text, or calls. 

I am requesting the following : Debt Validation and Verification : I request that XXXX XXXX provide me with complete validation and verification of the debt, including the purchase agreement between them and the original creditor. 
Licensing and Bonding Information : I request that XXXX XXXX furnish proof that they are licensed and bonded to operate as a debt collection agency. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX Magnolia Trl, XXXX, TX XXXX Phone Number : XXXX Account Number : XXXX I believe that XXXX XXXX 's actions are in direct violation of the FDCPA and I am seeking relief from these violations. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (HI)

a large amount of charges were made on a card that I was not in possession of. There were no outreaches to me at any point to maybe confirm if the charges were legitamate they just allowed the charges to pileup till the card was maxed out and I had no k

nowledge of payments so my credit report was getting hit with delinquent notices which negatively impacted my credit score. Also, the gentleman who I first spoke to on the phone was rude and was suggesting that I was dodging payment and it took entirely too long to just be transferred to the fraud d
epartment to start my claims because the initial rep was I think determined to get a payment of some sort I dont know but if I call in saying I need to speak with the fraud department the last thing I need is someone on the other end suggesting that had I just made my payments this could have all been avoided.

If the card had been cut off when suspicious charges first started I could have avoided this whole mess of filing fraud claims and having to dispute things across multiple entities in an attempt to get my credit report fixed as prior to this credit card situation my credit had been stellar.
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 XXXX, 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: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (WA)

I have been trying ( unsuccessfully ) for over 2 months to withdraw funds from my savings and CD accounts with Marcus by Goldman Sachs. I have around {$100000.00} of deposits with them in total. They will not allow me to gain access to my funds due to their in-house verification processes. They are not able to identify me with my phone number, driver 's license, passport, or any other form of identification. I have been told repeatedly that they can not verify my identity.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

Hello on XX/XX/24 I sold my XXXX XXXX for {$9500.00} private. I went to go deposit the cash into the ATM, when I deposited the funds into the ATM it only credited my account {$8500.00}, which was short {$1000.00}, I immediately called Chase Bank and advised on the short deposit. They credited me the {$1000.00}, but after the claim was processed the reversed the credit, and now I am at loss of {$1000.00}. They asked me to provide documentation for proof of the funds but I only received cash, and only have a bill of sale I can provide for proof of the sale/ transaction. this is creating a financial hardship as I need to replace my air conditioner, and I called the bank right after this mistake with the ATM occurred.to resolve my complaint I would like to be credited {$1000.00} due to the error of the ATM not crediting me the full {$9500.00}. Claim # - XXXX XXXX XXXX XXXX account- Chase Bank XXXX XXXX ( XXXX )
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Winklevoss Exchange LLC (NY)

I am submitting this complaint due to an incorrect late payment entry on my credit file. I have previously communicated about this issue in writing, but the error remains unresolved. The entry incorrectly lists a payment as late, despite evidence showing otherwise. I am attaching images that verify the payment was made on time and highlight the erroneous late payment reported to the credit bureau. I request an immediate investigation into this matter and the removal of this inaccurate information from my credit report. Thank you for addressing this promptly.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Submitted Wells Fargo mediation request form on XX/XX/year> and received letter mid XX/XX/year> that request was received and 30-60 days for mediation. 

Received email on XX/XX/year> that mediation request received and another 30-60 days to mediate.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

someone has been using my personal information to obtain a car loan in my name without me having any knowlege, i have contacted the credit reporting agencies to notify them that they are reporting a fraudulent account on my personal credit report, i have also notified jpmcb auto multiple times in regards o this matter and they refused to help me in this matter it seems like i keep receiving generic letters that seems its an XXXX XXXX ' letter with the same information over n over, that being said i would like a real person to investage this matter and have it resolved in my behalf.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Complete Credit Solutions, Inc. (OH)

XXXX i signed up with XXXX alarm XXXX company indoor camera XXXX outdoor camera system unfortunately someone broke into my home shortly after I purchased alarm system from XXXX, was able to see XXXX inside my home with indoor cameras provided by XXXX. My cell phone allowed me to see XXXX  inside my home I watched the XXXX  deactivate the alarm on the keypad. XXXX called XXXX employe at XXXX gave the XXXX the code to deactivate alarm, yes XXXX verified that my alarm code was given to the XXXX, however my second complaint with XXXX was alarm tech didnt install properly I was able to view and monitor my property on my cell phone unfortunately I was unable to record anything I viewed on my property XXXX agreed to terminate my contract with XXXX with XXXX balance Several months later complete credit Collections company is trying to collect a debt of {$1400.00} for XXXX again due to faulty alarm system installation and employee error giving burglar my alarm system code plus property damage items stolen by XXXX  ect XXXX terminated Contract with a XXXX balance. Defenders are threatening to report this violation of a debt I dont own to XXXX XXXX I spoke with the manager of complete credit she asked me to get a receipt from XXXX showing I dont own XXXX anything for the contract opened XX/XX/XXXX complete credit would drop the claim against me and remove claim on my credit report unfortunately I spoke with a gentleman at complete credit on XX/XX/XXXX Regarding my claim and Proof of receipt requested By manger at complete credit, this gentleman Was very rude and short coming this gentleman accused me of having several accounts with XXXX this gentleman accused me of having a fake receipt from XXXX ect I asked this gentleman to call XXXX and verify the receipt for himself with the account number on the receipt, showing that the receipt isnt fake unfortunately the gentleman became very upset and more rude and hung up the phone
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

The date of XX/XX/year> I received a text stating that they have detected suspicious activity on account and that restrictions and protections were placed from M & T bank I spoke to multiple sales reps and a supervisor plus fraud protection and they stated that my card was closed and they put a hold on my account. I explained to them that this account is my way of paying my bills and if Im not able to do that its a big issue. I have bills to pay and I need access to my account. I pay my car payment and insurance through account and I need to be able to pay bills. This is not fair.
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: Early Warning Services, LLC (FL)

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX Bank is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

My identity was stole in XXXX of 2021. Since then debit has been created in my name. I never lived at XXXX XXXX XXXX XXXX and would like a debit validation letter with the original contract between XXXX XXXX and Transworld Systems as in accordance to the Fair Debt Collection Practices Act. This is fraud.
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (FL)

Hello, My name is XXXX XXXX XXXXXXXX Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting a copy of the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX XXXXXXXX XXXX XXXXXXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. 

Furthermore, XXXX XXXX XXXX XXXX. has taken over ( XXXX ) days allowed to conduct a reasonable reinvestigation as to whether the information is accurate and correct. CFPB complaints were submitted to XXXX XXXX XXXX and XXXX XXXX regarding this matter, CFPB case numbers : XXXX XXXX As of XXXXXX/XX/XXXX, the time to conduct a reasonable investigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of Early Warning Services and XXXX XXXX XXXX XXXX XXXX Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (FL)

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX . I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the 1099-C form. XXXX XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX has been in response to this complaint as of XX/XX/XXXX. The time to conduct a reasonable reinvestigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of Early Warning Services and XXXX XXXX XXXX XXXX. Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

XXXX XXXX ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2024 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

I was not properly notified of an alleged debt by Transworld Systems Inc. ( " TSI '' ), which sent purported collection notices to an outdated address despite my updated address being available. TSI continued collection activities without verifying the debt, violating the FDCPA and FCRA. Additionally, the amount alleged by TSI differs from the final bill of the purported original creditor and ignores an unprocessed energy draft. The credit reporting agencies ( XXXX, XXXX, XXXX ) are reporting conflicting Dates of First Delinquency and amounts owed. I demand the immediate removal of this inaccurate tradeline. The full demand and documentation is attached.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I paid my vehicle off a year ago and never received the title. I tried to request a lost title from the dmv and learned that there was a lien on my car. I called credit acceptance and received a release of lien letter, I updated my address at that time. I tried again at the dmv to get my title but could not because credit acceptance was still holding my title electronically. I called credit acceptance and they released my title, after holding it for a year longer than they should have, and I confirmed my address a second time. I called the dmv to inquire about my title and learned that it is being sent to the wrong address. I paid the loan off on XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NJ)

I used XXXX to dispute a new credit card opened with Best Buy/CBNA. I called Best Buy to close the fraudulent account with XXXX and to get the due amount XXXX They then closed the account. The initial alert was from XX/XX/year> and we called Best Buy on XX/XX/year>. On XX/XX/year>, I found my credit report having a past due balance by more than 30 days of {$2500.00}. The account still says that it is closed on my credit report but it has a balance that should not belong to me. Since, I have frozen my credit reports on XXXX, XXXX, and XXXX to make sure this doesnt happen again.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid 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. (TX)

I have contacted CitiBank numerous times by phone calls, letters, emails and portal secure messages regarding a disputed charge. 
Despite repeated responses of [ Well get back to you soon ], they have never responded which I suspect is in violation of regulations. 
I called Citibank on XX/XX/2018 since they had again apparently ignored my letter including options I offered them e.g. cancelling my account & refunding annual fee ). My phone notes : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2018 XXXX XXXX : XXXX? 
CitiBank - Partition Magic chargeback error Can't waive annual fee : I'll get a {$99.00} statement credit if I spend {$99.00} in first month. Dispute resolution team said they didn't get letter until XX/XX/18 and want 7-10 business days to either call me or send me a letter regarding the resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Even though the agent, while I was on the phone, dialoged with the Dispute Resolution Team and confirmed they received the letter on XX/XX/2018, they still never responded as they ( again ) said they would. 
Since they refused to refund the annual fee, we started using the card again after 2 months to take advantage of benefits we had now paid for. 

I thought I would again attempt to resolve this matter with the help of the Consumer Financial Protection Bureau. 

Note : I originally attempted to file this complaint on consumerfinance.gov last year after I had prepared my latest letter to Citibank, but ran into obstacles on the website ( you'll note such references in the letter ). After many hours of putting that letter together, I just didn't have in in me to spend yet more time trying to overcome the technical obstacles of filing the complaint on consumerfinance.gov. I suspect it was the 10MB file size limit and the original pdf is almost 15MB. I have since purchased software that allowed me to shrink the original pdf and attach it to this complaint.