davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to formally lodge a complaint against a collection agency that I believe is in violation of my consumer rights under various federal regulations. 

I discovered that a collection account had been placed on my consumer report by Collection Agency. This agency has failed to provide valid information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, they proceeded to report the collection account, causing significant harm to my credit report. 

Furthermore, I have not been given a fair opportunity to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ). The collection agency 's actions have not only deprived me of my right to dispute the validity of the debt but also demonstrate their use of false, misleading, and deceptive practices in violation of consumer protection laws. 

It is my understanding that the collection agency had no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the collection agency ceases its unlawful practices. Additionally, I seek the removal of the erroneous collection account from my consumer report and any other remedies that may be available under the law. 

Please find enclosed copies of my correspondence with the collection agency and any other relevant documentation supporting my complaint. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

I had satellite tv service through XXXX XXXX XXXX XXXX condo I owned. 

I sold my condo and notified XXXX of the date of my move out. Several weeks later, they sent me a bill claiming that I owed them over {$500.00}. When I contacted them to dispute the amount and remind them of the cancellation of service, they claimed that I never notified them to turn off service after I sold the condo, which was a complete lie. By then, the new owner had been living in the condo for weeks and signed up with XXXX  as they are the only satellite provide for the area. 

I told XXXX that this was their error for not stopping the service when I asked and that they were now trying to improperly force me to pay for the service being used by the new owner. They would not admit fault and we could not reach an agreement. That was last year. I never heard from them again until a collection agency but the debt on my credit report yesterday with no notice. My score dropped over XXXX points because of this erroneous information! This is highly improper and unfair as I told them long ago that they were wrong about this debt. Companies should not be permitted to ruin your credit over a disputed and inaccurate debt with no notice.
Consumer complaint received 2024-08-30
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: JPMORGAN CHASE & CO. (MD)

I made a hotel reservation for XXXX at the XXXX XXXX in XXXX. Due to weather we were delayed getting to XXXX. I called XXXX XXXX and advised them that we are late, and wouldnt be arriving until the next day tie to weather, but we are going to be on standby now for a XXXX departing flight from XXXX XXXX We arrived to the airport at XXXX XXXX  and by XXXX XXXX XXXX an email cancelling our stay due to no show. I tried calling and emailing back to no avail, nobody would respond so we didnt board our flight to XXXX XXXX I contacted Chase about the problem and disputed the charge, because I did not cancel the hotel stay, the hotel cancelled the stay on me and I should not have to pay. I provided Chase with a written statement of the events, copies of emails, and call logs. They sided with the merchant, however when I sign into the Chase app today and it shows the dispute open for 70 days now, they are waiting on the merchant review. I called Chase and they said its closed, and they didnt provide documents for siding with the XXXX XXXX XXXX. I can provide call logs upon request, I also provided proof of the flight cancellation and in the email they said they would refund the amount if I provided proof and they never did.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

This company is harassing saying I owe. This debt which I do not I have not received any proof of debt they are a XXXX XXXX. Debt collector. I've checked my credit and I see no collections owed plus I received no letter or any other form of proof I'm assuming they are frauds
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contact both XXXX and transunion to explain I was going through identity theft and there are hard inquiries that I did not authorize on my account. I explained to them I wanted them removed and what process I had to go through to have them removed. They simply told me I would need the FTC and the cfpb reports before they can move forward with removal of the three heart inquiries. I also stated to them that I had some issues with the IRS due to the identity theft as well to let them know this is not stop just on the credit bureau.
Consumer complaint received 2019-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

I have four private student loans in total that were handled by XXXX and owned by XXXX. Two of the four loans have been given to Navient from XXXX. The XXXX Account Number for my loans is Account # XXXX. The Navient Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that XXXX owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from XXXX so I can have the binding documents that my loan is in fact still intact.
Consumer complaint received 2024-09-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC (OK)

I have been receiving spam calls from different numbers multiple times a week that all have the same name listed on them per my attachment. The only contact that I have with anyone with the name shepherd is with this debt collector shepherd outsourcing. When I answer the phone I am met with silence. When I hang up and try to call them back the line will either just continue ringing for 10 minutes or will hang straight up. Not only was this debt paid by insurance back when I went to the emergency room, but it had already been settled with one of the previous debt collectors and is apparently still being passed around trying to get more money. I am also on the national do not call registry and really do not appreciate getting all of these calls.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or around XX/XX/2023 I contacted Customer Service at Bank of America 's EDD division in regards to unauthorized transactions on my Prepaid EDD Debit Card from the time I was incarcerated. 

I filed disputes on unauthorized transactions totalling over $ XXXX. Transactions were not initiated by me. At the time, Mail theft was prevalent in my hometown area and our mailboxes were constantly being targeted by theives. It is during this time I believe my EDD card may have been stolen and fraudulently used. 

I followed up 3 days later inquiring about the provisional credits and how those work in regards to my claim. I was told that it wasnt going to happen in my case, and if it did it wouldnt happen for at least 45 or 90 days. I was under the impression they had to issue this provisional credit 10 days after filing the dispute, but may have been misinformed.

This would be my 3rd complaint with this financial institution. After not hearing any follow up from anyone at Bank of America in regards to my claim or my complaints, I again called them on the evening of XX/XX/2023 and spoke to the Fraud Department. At this time I was told my dispute had been denied. I never received any documentation regarding the denial or was given the chance to file an appeal. I did file an appeal however on the phone and reiterated the fact that i was XXXX  and therefore could not have initiated the transactions myself. I was told to provide a copy of my id card, a copy of the police report regarding the mail theft, and a signed statement of facts concerning the incident at hand.

My disputes were resubmitted. I was never told i had the opportunity to view documents they used to complete their investigation into the suspected fraud on my account and feel I should have been offered this as it is a requirement under Electronic Funds Transfer Agreement that this Financial institution uses. I was not given the fair chance to provide my documentation substantiating my disputes, either.

I would like a thorough investigation to be done on my disputes and valid documentation be provided in the event my dispute is yet again denied. I can provide all of the evidence in the world to support the fact i did not initiate transactions on my card while in custody, and feel as though Bank of America is denying my claim based solely on the fact that they have already issued millions of dollars back to cardholders ( theft of EDD funds/cards was extremely common during the COVID lockdown ).
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Bestbuy.com .BestBuy accounts many purchases declined XX/XX/year> on BestBuy.Con .Couldnt access credit certificate to add to purchase.Credit card declined multiple times replaced cards still cant make a purchase.Fraud alert from online purchases while getting help from customer service.So many customer service departments on the phone.Customer service sends certificate to wrong account.Use old email never used.Corporate Department has no idea what customer service is doing.Unable to make a purchase on BestBuy.com.No customer service supervisor available to resolve the issues.account department.rewards department, Credit card department.Online account department.Purchased Department to many departments.Wrong dates on deciine purchases wrong accounts.inaccurate information from customer services .Best Buy has the worst on line an phone customer service I called many times no resolve.Corporate customer support has no idea whats going.2 credit cards cancelled
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (NC)

RENTRECOVERYSOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, GA XXXX XX/XX/XXXX Dear RENTRECOVERYSOLUTIONS, I am writing to address a discrepancy I have observed in my credit report regarding the following account : RENTRECOVERYSOLUTIONS Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : This is a violation of my consumer rights, please delete immediately Please be informed that this correspondence does not serve as a refusal to pay ; however, it is imperative that I bring to your attention my dispute regarding the aforementioned claim. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request validation from third-party collection agencies. Non-compliance with the FDCPA regulations may result in adverse consequences for your company with the Federal Trade Commission ( FTC ). Hence, I kindly request that your company furnish me with the following documentation for validation purposes : 1. Documentation demonstrating ownership or assignment of the debt from the original creditor.

2. Verification of your authority to pursue collection activities in my state.

3. Proof of your company 's bonding.

4. Documentation detailing the assessment of the outstanding debt.

5. Payment history records from the original creditor.

6. Contact information for the original creditor.

7. A copy of the original contract bearing my signature.

8. Documentation outlining the chain of ownership pertaining to this debt.

9. Verification of your legal authority to collect this debt.

10. Confirmation of ownership or assignment status of this debt.

11. Copies of all correspondence, including letters, exchanged between your company and myself, as well as with the original creditor, regarding this debt.

12. Disclosure of the purchase price of the debt.

13. Information regarding the date of the last payment made on this debt.

14. Breakdown of any fees/interest accrued on the debt.

15. Explanation of the methodology employed to determine said fees.

I appreciate your prompt attention to this matter and your cooperation in providing the requested documentation.

Thank you for your time and cooperation.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

The company reported information without prior authorization. The company also reported incorrect information about the account. The company claims the account was charged off and shows a balance and also states that I had late payments on two accounts. According to Consumer Law all information must be completely accurate. This company has caused me to be financially and emotionally stressed.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I hope this letter finds you well. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. We got hit by a tornado, which left damage and debris all over the place. While in an emergency, I retained XXXX XXXX XXXX who agreed to clean all the debris and remove and haul them away for {$5000.00} per community. After I paid the {$15000.00}, they asked that I pay them another {$2500.00}. Once I paid them the additional {$2500.00} from another account, they then asked me to pay another {$370000.00} just to get going on the work again. In the end they robbed me of {$17000.00}, and did not remotely do close to any of the work we agreed to, if any work at all. They did not hold up their end of the deal, and they lied to me. I am very disappointed wells fargo is taking the merchants word over mine. All they did was ask the merchant if he did the work.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (FL)

I only have credit cards with Chase. I use XXXX a lot and Im used to paying with my chase credit cards. Now chase is banning the use of my credit card with some companies forcing me to use their XXXX  service. If I pay my credit card bill on time I should be able to use my credit card wherever I want. Its an arbitration on behalf of chase to force me to use their services. Im closing all my credit cards with Chase because if this.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/year> we deposited a check for the amount {$48000.00}, which is very normal for a business to operate, The next day Truist issued a letter to notify our business account was being blocked without factual reason. on XXXX Truist notified us that our business account was being closed without any proper reason. so we're expecting the remaining balance to be returned and we only got {$100.00} today, the {$48000.00} is held without a timeframe after I spoke to Triust Reps, it's ridiculous to not tell the client the reason for holding the funds and not in writing to let us know the process. basically, it's sounds like they never gon na giving the money back to us. So we strongly ask the department to check with them and let us know what the real problem is. they acting in bad faith.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I sent the debt purchasing agency a letter of validation to give me the information that they legally owned the debt in question. They have not responded with such information as of 30 plus days. I filed a complaint with all three bureaus to have these accounts deleted because the third party agency did not provide proof of the ownership of the debt. Letter of validation sent to this company. I also provided this proof to each reporting agencies as well they have not deleted the debt but instead allowed this company to update the statements to closed instead of deletions. 

PORTFOLIO RECOVERY ASSOCIATES ( NMLS XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam XXXX I am writing this letter in response to your recent communication regarding a debt that you claim I owe ON ACCOUNT XXXX AND XXXX. I am requesting validation and verification of the debt in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ). Please provide the following information : 1. The original creditor 's name and address. 
2. The amount of the debt.

3. Verification that I am the debtor for this account.

4. Details of the account history, including the original contract and any relevant documents. 
5. Proof that the statute of limitations on this debt has not expired.

6. The debt purchase agreement with the original debtor.

I am also requesting that all collection activity cease until the requested validation has been provided. Please send the requested information to the address listed above within 30 days of receiving this letter. Failure to provide verification of the debt will result in a request for the removal of the debt from my credit report and possible legal action. 

*IF YOU CAN NOT VERIFY BY MY REQUESTED INFORMATION, I ASK THAT YOU DELETE THE ACCOUNT FROM MY CONSUMER REPORT ASAP. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shepherd Outsourcing, LLC (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a fraudulent charge on my credit report from Shepard Outsourcing LLC, which I have been unable to resolve despite my efforts. Here are the details of my case : Fraudulent Account : An account with Shepard Outsourcing LLC has appeared on my credit report, which I did not open and which I believe is fraudulent. 
Credit Report Details : The account is listed on my credit report under the name " Shepard Outsourcing LLC '' with account number [ XXXX ], and it showsa loan being taken out in my name for an appliance 2 years ago. I was living abroad when this happened. I have a student visa verifying I was living/studying outside of the United States . 

Attempts to Resolve : Contact with Shepard Outsourcing LLC : I have made multiple attempts to contact Shepard Outsourcing LLC directly to address this issue. Unfortunately, I have encountered significant obstacles : Unresponsive Employees : The customer service representatives and other staff members I have spoken with have been uncooperative and have not provided any useful information or assistance. 
Attempts to Speak with CEO : I have also tried to reach the CEO, XXXX XXXX, directly, but he is consistently unavailable. My requests to speak with him have not been successful. 

Current Situation : Unresolved Fraudulent Account : Despite my efforts, the fraudulent account remains on my credit report, negatively impacting my credit score and causing significant stress. 
Requested Resolution : Removal of Fraudulent Account : I am requesting that the CFPB assist in facilitating the removal of this fraudulent account from my credit report. 
Assistance in Contacting the Business : I would appreciate any support in ensuring that Shepard Outsourcing LLC provides the necessary information to resolve this issue. 
I have attached copies of my credit reports highlighting the fraudulent account, as well as documentation of my attempts to resolve the matter with Shepard Outsourcing LLC. 

Thank you for your assistance in this matter. I look forward to your guidance and support in resolving this issue.