davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Collection/Charge Off by Jefferson Capital System on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to dispute a collection/charge off reported by Jefferson Capital System on my XXXX credit report. The account in question, dated XX/XX/2024, in the amount of {$560.00}, has been handled in a manner that I believe violates several consumer protection laws and regulations. 

The specific issues with Jefferson Capital Systems actions are as follows : XXXX. XXXXViolation of 12 CFR 1006.34 ( b ) ( 5 ) XXXX : Jefferson Capital System has not provided any validation information for the alleged debt, yet they have reported a collection on my credit report. 

XXXX. XXXXViolation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX : I have not been given an opportunity to dispute the debt, which is a fundamental right under the Fair Debt Collection Practices Act ( FDCPA ). 

3XXXX XXXXUse of Misleading, Misrepresentative, and Deceptive MeansXXXX XXXX The agencys collection practices include misleading, misrepresentative, and deceptive methods, potentially violating consumer protection laws. 

XXXX. **Violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ) XXXX : The agency has furnished information to consumer reporting agencies without providing the disclosures required by law. 

In light of these concerns, I am making the following declarations and requests : - I am disputing owing any and all debts to Jefferson Capital System.

- I am revoking all rights of Jefferson Capital System to communicate with me through email, text messages, or phone calls.

- I am requesting debt validation as per my rights under the FDCPA.

- I am requesting a copy of the purchase agreement between Jefferson Capital System and the original creditor.

- I am requesting proof that Jefferson Capital System is licensed and bonded as required by law for debt collection.

The impact of this erroneous reporting has adversely affected my credit score and financial standing. I urge the CFPB to investigate this matter promptly and ensure that my rights as a consumer are protected.

I have attached relevant documents supporting my claims. I seek the removal of this inaccurate collection/charge off entry from my credit report and assurance of compliance with all applicable consumer protection laws by Jefferson Capital System . 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-19
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 an unknown company/person took {$84.00} out of my account fraudulently. I still do not know the name of who did this to my account. When I filed the claim I was told that it would be XXXX to 10 days for them to come to a resolution. Whoever did this took nearly everything out of my bank account and it was a major inconvenience for me. as soon as that money is returned to my account, I plan on closing my Wells Fargo account that Ive had since XXXX.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

American Express Delta SkyMiles Card I had a promtional offer on my card with the promotions below : 1. XXXX statement credit ( on pic ) 2. XXXX bonus miles ( on pic ) 3. 12 months intro 0 % APR ( told on phone ) I have not done balance transfers, never closed amex cards, first time card holder, never missed any payments, high credit scores, applied and did not receive notification did qualify
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

On XXXX XXXX I received a collection notice from Jefferson Capital System in regards to doing business with XXXX in the amount of {$1300.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b this company is harassing me over a debt ; 15 USC 1692d Harrassment or abuse. Also, Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.
Consumer complaint received 2022-11-24
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. (OH)

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$330.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (MA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Due to medical costs in the year 2023 and inflation, I have gone under in my checking out a few times throughout the year. Randolph Brooks FCU charges a XXXX courtesy pay fee no matter what the cost of the charge is. The charge could be for a XXXX and they will not waive the fee. I've called and spoken to high levels of leadership to maybe waive a fee or two and it is always a cold-hearted no I receive. Other credit unions in the XXXX XXXX area are a lot more understanding, however, Randolph Brooks, does not have to heart to help one of their members. I even went to a branch and kindly asked a branch manager and the answer was still no. Recently, it was estimated consumers shoulder XXXX XXXX in late fees every month by cutting fees that go to the profit of credit card companies. I feel not enough attention is focused on credit unions and their role in excessive fees to pad their profit margins. Despite my asking mainly due to my medical hardship, they still were not able to waive one fee for me this year. My year-to-date courtesy pay fee with Randolph Brooks Federal Credit Union is {$760.00} XXXX Even half of that waived would have put back hundreds of dollars to groceries, gas, or medical expenses. Imagine the XXXX dollars that credit card companies profit every month from Americans flowing back into the US economy. That number was estimated recently when the CFPB announced the details of the fee limits. Now imagine what the number is for banks and credit unions profiting monthly for overdrafts and/or courtesy fees. I feel the number surpasses the late fees credit card companies are making, money that could be helping inflation by going straight into the economy instead of overly greedy profit chasers.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (NC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (MA)

Hello ; I trust everything is going smoothly. It has now been more than 30 days, and the creditor has neither updated the information nor provided any evidence or documentation concerning the reported late payment. They have yet to furnish this essential information, and it is imperative that they expeditiously remove the alleged late payments from my credit report. According to Federal Law, they were allotted a 30-day period to carry out the investigation, and their failure to do so necessitates the immediate deletion of the item from my credit report. This action should be taken without any further delay.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I signed up for an American Express Blue business card. The promotion stated if I spent {$3000.00} in 3 months I would get {$250.00} credited to my account. I did, and I got the bonus. XXXX month after signing up for the card, the {$250.00} bonus was revoked from my account. When I called to ask why, they said I failed to spend {$5000.00} within the first XXXX months of having the card. I went back to look at the promotion and could not find that information in the fine print. I filed a claim with American Express on XX/XX/XXXX and they said they would get back with me in 7 days. It is XX/XX/XXXX and I still havent heard from them.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-06-08
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: Tower Loan of Mississippi, Inc. (LA)

XX/XX/XXXXXX/XX/year>. Tower loan. XXXX XXXX. These are inquiries on my credit report that didnt consent too. I would like them removed.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC, Resurgent Capital Services, XXXX made claims that they received all rights of interest and assignment when they purchased the account, they are automatically violating the Statute of Frauds. They are in breach of the alleged contract because they can NEVER fulfill the XXXX 's obligations from the original contract. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXXThis includes attempts to collect based on assignment, sale/purchase, or trade. Also Per IRS publication, CHARGE OFFS is income and can not be on a consumer credit report since it is considered a certificate of indebtedness. 

They have made threats with letters, electronic communication about information which is false I did NOT consent to which a violation within XXXX ( mail fraud ) and The Privacy Act of 1974. 

I have no account with them, have never signed any contract to do business with them, I am expressing my rights under the FDCPA to demand that they Cease & Desist ALL collection activity and All communication with me regarding their accusation. LVNV Funding LLC, Resurgent Capital Services, XXXX and other affiliates they hired committed identity theft against me need to close their file immediately and remove their information from my credit report as having it on there is both collection activity which violates federal law.
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NV)

I have made multiple attempts to have this warranty removed and the fees for the policy to be refunded. I have made multiple phone calls to Westlake Financial regarding this issue and have been given the runaround. I've also sent multiple emails regarding this. This is a fraudulent transaction because I never agreed to this warranty to be placed on the vehicle in the first place. The purchase agreement was done via email and I never did sign the agreement because the car had mechanical issues that needed to be resolved. I took it back to the dealership 2-3 times in the first week to be repaired. When the vehicle was finally fixed I told the salesman that he needed to revise the contract and resend the docs so I could sign them and he said it was okay that everything was good to go that I just needed to do a verification call with the finance company which I later did. I'm guessing somehow the salesman signed the docs as myself electronically which should be considered fraud.
Consumer complaint received 2024-06-08
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: CITIBANK, N.A. (NV)

An unauthorized hard inquiry has been identified on my credit report, indicating a possible fraudulent credit card application. This inquiry, made without my consent, raises serious concerns regarding identity theft and financial fraud. Urgent measures are required to limit additional harm to my credit standing and thwart unauthorized access to my finances. I have promptly informed fraud identity and credit monitoring agencies to investigate and address this fraudulent activity. I implore you to safeguard my financial security and restore my peace of mind.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OR)

A trade in was done, deal closed and signed and the trade off vehicle was reported as paid in full and a refund of overpayment was received from the lender. Weeks after the deal was made, XXXX XXXX identified a mistake on THEIR side of the deal. I was unwilling to personally co sign behind the car, which was what their resolution was. I also returned the car to them. They " reinstated '' the original loan of the vehicle I traded in, which is and is still in their possession, and then reported the loan delinquent. I never authorized the loan to be reinstated, they never returned the vehicle either. I have requested multiple times documentation showing they are legally allowed to do this which they never provided ( because they knew they were outside their time frame ). The mark on my credit report dropped my score nearly XXXX points. All contact made with Ally and XXXX XXXX has been ignored.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (IL)

this company calls me twice a week for over a year, I XXXX  the number and saw they were a debt collector, I blocked them but they are still able to leave messages, thought they would stop calling when I told them that they were calling the wrong number and I do not have debt, I also left them a voicemail to stop calling on XX/XX/year> but they still call.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (OH)

I XXXX XXXX have made numerous attempts to KIKOFF LENDING LLC and XXXX to get an account removed from my credit report due to IDENTITY THEFT. I was recently released from a long incarceration when i found on my credit report to be suspicious activity or in other words my identity was being use without my authorization. On XX/XX/XXXX i sent to XXXX via priority mail an IDENTITY THEFT AFFIDAVIT, dispute letter and supporting documentation such as PROOF OF INCARCERATION. Also on XX/XX/XXXX i sent dispute letters and supporting documents individually to the creditors Kikoff lending LLC, after verification with mail carrier it was confirmed that all packages was in fact delivered on their expected dates ) On XX/XX/XXXX XXXX 's system shows that they received the documents. In between that date and the date of XX/XX/XXXX XXXX was investigating the claim. On XX/XX/XXXX XXXX completed their investigation but the KIKOFF account was still on my credit report that resulted from identity theft. XXXX responded on XX/XX/XXXX saying that ; at this time XXXX isnt blocking information pursuant to Section 605B ( c ) of the FCRA. In the same letter XXXX also states ; " FOR XXXX TO BLOCK INFORMATION UNDER SECTION 605B OF THE FCRA, YOU NEED TO PROVIDE PROOF OF YOUR IDENTITY, THE SPECIFIC INFORMATION THAT IS THE RESULT OF IDENTITY THEFT, AND A COPY OF YOUR COMPLETE AND SUBMITTED IDENTITY THEFT REPORT WITH THE FEDERAL TRADE COMMISSION OR POLICE REPORT REGARDING THE IDENTITY THEFT. 

XXXX and KIKOFF LLC ARE BOTH IN VIOLATION OF FCRA 605B-15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. IT CLEARLY STATES IN SECTION 3 Significance of block ; IF A CONSUMER REPORTING AGENCY RESCINDS A BLOCK, THE PRESCENCE OF INFORMATION IN THE FILE OF A CONSUMER PRIOR TO THE BLOCKING OF SUCH INFORMATION IS NOT EVIDENCE... .and if im claiming identity theft then you cant verify this account because my information was used. obviously my information was used, BECAUSE IT WAS STOLEN. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND KIKOFF LENDING VIOLATED MY CONSUMER RIGHTS UNDER FCRA 15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS. I NEVER GAVE KIKOFF LENDING WRITTEN INSTRUCTIONS TO REPORT MY ACCOUNT TO ANY AGENCY.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo has already closed a joint CD I had with my daughter and is closing the rest of my accounts. The only explanation they gave me was that its a business decision by the bank and its final!!!! 
Ive bank with Wells Fargo close to XXXX years!!!
Consumer complaint received 2023-11-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have tried disputing XXXX XXXX XXXX through XXXX and Equifax and they have refused to delete this from my credit report and XXXX have deleted from my credit report and this is causing a problem with my credit report. I have also disputed XXXX XXXX XXXX and that hasn't been deleted from my credit reports either. I have also summitted FTC letters to all the creditors and the items still remain on my credit report I would like for this matter to be handled immediately because it's affecting my credit report and hindering me from doing things with my credit.
Consumer complaint received 2024-06-05
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: CITIBANK, N.A. (CA)

I am writing to you in desperate need of assistance. I have been calling citibank customer service since XX/XX/year>, trying to resolve a {$890.00} refund which was refunded by XXXX but customer service put it on my promotional balance instead. 

Its now showing on my account balance and since then I have been requesting them to remove it as it was already refunded, I shouldnt have to pay that and it shouldn't have to be added to my balance. It messed up my credit score and I tried to file a complaint but they just tossing me back and forth, wait 7-10 business day, 10-14 business day, 60-90 business day. 

Here I am 6 months later, still following up. Can I please get someone to help me, not some customer service overseas that doesn't care and don't know what they are doing.