davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for BULL CITY FINANCIAL SOLU. 
Fair Debt Collection Practices Act ( FDCPA ) Violation The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from attempting to collect debts if they are not properly licensed in the state. By attempting to collect on this debt without a valid North Carolina license, BULL CITY FINANCIAL SOLU is in violation of the FDCPA.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Climb Credit Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I was scammed by a romance scammer and I deposited into my account a check that I believed was good and it turned out it wasn't.. I didn't ask for them to front me part of the cash from the check and they told me they were closing my account because the check turned out to be bad. After they closed the account I changed my benefits check deposit from them to a different bank and I didn't do it in time and the bank kept my benefits check from SSI. So basically they stole my benefits check from me.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FCRA 605B, I think, necessitates the elimination of any inaccurate accounts from my credit report. Can you please review the documents? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates.
Consumer complaint received 2024-07-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MS)

I received an American Express online gift card on XX/XX/XXXX in the amount of {$500.00}. I have tried to use it in store, online, and at a gas pump, all with no success. When I log in to view the card, it says each transaction was declined because it was missing a security code, but I entered the security code each time, so this does not make sense. When I called today, on Tuesday, XX/XX/XXXX, the automated system said that the retailer didn't require a security code, and I would have to choose somewhere else that required a security code in order to make a purchase, but this is not true. They have all required security codes, and I have entered the security code that was on the front of the card. 

Here are the failed transactions listed below : XX/XX/XXXX - I tried to add it to my XXXX account, but it would not work as a payment source. I removed it, but it kept XXXX cents. 
XX/XX/XXXX - I added the card to my XXXX and XXXX pay apps, since I read that was the only way I could use them. 
XX/XX/XXXX - I tried to use the card on my XXXX XXXX app to purchase fuel at the XXXX gas pump XXXX separate times, but it was declined each time saying " missing security code '', but I entered the security code in the app when loading the card as a payment source. 
XX/XX/XXXX - I went into the XXXX grocery store to see if I could make an in-store purchase, but the card was again declined. The American Express site continues to say " missing security code ''. 
XX/XX/XXXX - I tried to make an online purchase at XXXX through the pick-up system, since this would allow me to use the card online, but it was also declined, saying " '' missing security code '' again, but I entered all the card information when I loaded the card as a payment source, which included the security code. The system took XXXX cents. 
XX/XX/XXXX - I tried to complete an online XXXX order, but again the transaction was declined, saying " missing security code ''. When I entered the card information as a payment source, I also entered the security code. 
XX/XX/XXXX - I tried to complete a purchase with online retailer XXXX XXXX, but the transaction was declined with no reason provided. 

The card site says I must shop somewhere that required all the card information including security code, but I have entered the security code each time because each retailed has required it, and the card is declined saying it is missing, and the automated phone system told me the retailer didn't require it, which is not true. 

So, basically, I have a {$500.00} card that is not useable anywhere. XXXX cents has been taken on these attempted transactions, and I have not been able to get anything from it. Can you help?
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Nelnet, Inc. (CA)

STOP XXXX CONTACTING ME XXXX XXXX IN DAMAGES FOR THE EMAIL ON XXXX OF XXXX. 

NELNET, STOP COMMITING FRAUD AND LABELING THESE COMPLAINTS AS DUPLICATES. THEY ARE ABOUT SEPARATE COMMUNICATIONS AND ARE NOT DUPLICATES OF EACH OTHER. THEY RESULT IN SEPARATE AND ADDITIONAL DAMAGES.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new letter that I was the victim of fraudulent activity. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : Experian XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX AUTO Date Opened : XX/XX/XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX XXXX Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX ) XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against NetCredit To Whom It May Concern : I am writing to file a formal complaint against NetCredit regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy.

Despite my previous attempts to resolve this issue directly with NetCredit, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. NetCredit must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XXXX Last XXXX of social : XXXX
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I just paid off a high interest loan from credit acceptance for a XXXX  XXXX XXXX for about XXXX i got into a accident back in XXXX and lost the car but still paid it and was able to get them to close the account, now I need a new car and they are asking for a down payment for a XXXX XXXX XXXX car when I was already pre approved, I went to XXXX XXXX XXXX off XXXX XXXX on XX/XX/XXXX and they ran my credit but demanded a down payment. i believe my rights as a American citizen are being denied by both credit acceptance and the dealership by the request for a Down payment and they're refusal to abide by the consumer law codes 1611 ucc and 1605
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX  XXXX Balance Owed : {$7000.00} -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$3700.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XX/XX/2023 -- -- -- -- XXXX : XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$3700.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$7000.00} XXXXXXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/2023
Consumer complaint received 2024-07-16
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

There is an inaccurate account reporting on to my consumer report. The account number is incorrect and incomplete. The balance on this account is higher than the actually alleged debt ( proof provided ) this collection account is reporting as open in which this is a closed collection account. This account is reporting {$430.00} past due as of XXXX XXXX which is inaccurate because this is a collection account no payments were ever late. So I can not legally reflect XXXX past due. This account has a 1 month term category on this account but this is not a term loan account. 
This account reflects to be updated XX/XX/XXXX. It is XXXX this account has several inaccuracies and per title 15 and the FCRA this inaccurate account must be removed for violating the fair debt collection and reporting act
Consumer complaint received 2024-05-22
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I had XXXX originated ACH debits for different payments that I authorized to debit my USAA checking account. XXXX from different XXXX accounts- XXXX for {$3000.00}, XXXX for {$1900.00} and one from XXXX XXXX XXXX for {$91.00}. These were originated from both XXXX and XXXX websites, not from USAA. And I had already had my checking account at USAA well established as a debit account for paying these credit cards long ago on their sites. On XXXX I received XXXX different emails from my other banks - XXXX from XXXX in the morning and later in the day XXXX- indicating that the payments had been returned, but they did not indicate why. Simply that I need to talk to my financial institution, which is USAA. And that they were reversing credit for my credit card payments. I called USAA in the XXXX  on XXXX to find out why they had rejected after I had received the emails from XXXX. USAA had no record of the rejections nor did they have any transaction records or even any proof that they rejected the payments. Nor was there any detail of this on my online transaction history. Basically the XXXX at USAA was unable to help me at all. After I received the email from XXXX  XXXX in the early afternoon of XXXX, I called USAA again to find out what happened because now it had happened a third time and was not a fluke. The XXXX  tried to help but still wasnt able to find any transaction history indicating that USAA had rejected the ACH debits to my checking account or what possibly couldve happened. I had more than a sufficient available balance in my account and I have overdraft protection against my credit card that has a XXXX dollar balance so there should be no issue with any payments or availability to pay. The second XXXX even tried to contact someone in the back office and attempted to find out what happened but could not find any transaction history or even evidence that they had rejected the payment, which is completely untrue of course. My payment accounts at both XXXX and XXXX XXXX have been well established for years and have had originated XXXX debits paying these accounts for years without an issue. Most disturbing is that USAA was unable to provide any history or explanation why they rejected XXXX different ACH payments from XXXX different accounts when I had more than enough available balance and there was no fraud hold or other issue preventing debits to my account which the XXXX  validated. This is frustrating because now both XXXX and XXXX XXXX think that I am a bad customer because I had a returned payment to them purely because of XXXX incompetence. And that will look poorly on me as a customer of these other banks. Which is the last thing I need. Needless to say, I will use another bank who can accurately make my payments without rejecting them, but this sort of basic transaction processing in the inability of USAA to do this is incredibly frustrating and also reflects on my credit worthiness.