davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (UT)

In XX/XX/XXXX, I received a letter from Commonwealth Financial Systems , Inc. dated XX/XX/XXXX attempting to collect on a debt with CFSI account # XXXX ( original account # XXXX XXXX ) for {$1800.00}. I quickly sent a letter via certified mail which was delivered on XX/XX/XXXX with USPS tracking number XXXX saying I believed this debt was not mine and requesting proof of the debt. I specified that under the FDCPA, they had 30 days to comply, and that I expected this debt to be deleted from my credit reports if they didn't. It was completely removed from my credit reports, so I believed them to have fixed their errors. However, this month, I received another letter from them dated XX/XX/XXXX attempting to collect on the same debt, except this time it is under CFSI account # XXXX. It is clear that this company refused to follow federal debt collection laws and is simply attempting to collect once again on an illegitimate debt under a different account number.
Consumer complaint received 2024-05-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (SC)

I have a question about my student loan and I dont really dont know who to turn to. 

To make a long story short, I originally borrowed {$24000.00} between XXXX and XXXX. To date I have paid {$27000.00} of the loan back. I have faithfully paid my payments for 14 years only having to do a forbearance 2 or 3 months for the life of the loan. I even paid my normal monthly payments for the 3 years during covid in which I didnt have to and no interest was suppose to be accruing. 

Currently, I still have {$28000.00}. I feel like Im getting ripped off. I never expected to loan to be given to me but this is ridiculous. I feel like its predatory lending. 

Do I have any recourse? 

Any assistance or guidance you can give me would be much.
Consumer complaint received 2024-07-22
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: DISCOVER BANK (MD)

Multiple credit inquiries to my information on same day to multiple lenders. None were initiated by myself. The inquires were made by : Discover financial services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I assert that I am not legally responsible for the alleged debt associated with XXXX  Account # XXXX. As per the principle of contractual privity, I maintain that there exists no valid contractual agreement between myself and CREDENCE RESOURCE MANAGEMENT LLC. Furthermore, in accordance with the legal doctrine of evidentiary disclosure, I have formally requested access to the original contract pertinent to this matter, a request which remains unfulfilled by CREDENCE RESOURCE MANAGEMENT LLC.
Consumer complaint received 2024-05-11
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: VYSTAR CREDIT UNION (FL)

To whom it may concern, As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) and in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ), I am formally requesting the removal of unauthorized hard inquiries from my credit report. These inquiries were made without my consent and do not reflect any legitimate credit application or authorization on my part. I kindly request that these inquiries be promptly investigated and removed from my credit file to ensure its accuracy and compliance with federal laws. 

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

Company name : Midland Credit Management Inc Company Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Midland Credit Management Inc is trying to communicate with me through my consumer reports which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Baxter Bailey & Associates (WA)

1 ) XXXX XXXX has used Thug Like Measures - Demanding ( without Surety discussing with me ) Has aggressively asked my Surety Bond Company Cancel my bond for XXXX/XXXX license that had direct impact on XXXX XXXX License XXXX ; which I have had for nearly 4 years. Dated XXXX/XXXX/16 a. We have a written agreement XXXX/XXXX/16 ; XXXX & XXXX & XXXX Baxter Bailey with 4 payments ( two made already ). 

b. Our Surety cancelled both bonds, I was under the impression since we had an agreement with BB that this would not impact the bonds. 

c. Am reapplying for new bonds, IF I AM NOT ELIGIBLE or am denied I can be forced out of business that will impact XXXX-XXXX employees. 

2 ) BAXTER BAILEY XXXX XXXX - Collections Associate and the company have multiple legal and complaints 3 ) XXXX XXXX Baxter Bailey VP Sales has placed a XXXX website posting on XXXX/XXXX/16 ( EMBARASHING and placing information out there that needs to be removed ). 

4 ) XXXX XXXX and XXXX a XXXX business is NOT AWARE OF THE " harassment, online doxing ( shaming ), and the failure to resolve the claim once it was settled '' CAN YOU ASSIST ME XXXX - XXXX XXXX ( USA ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA. XXXX Ph : XXXX Fax : XXXX Cell : XXXX
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

CitiBank Closed my account claiming it was per my request. I started with a secured card with Citibank in 2017. Paid the account successfully and was transferred to a credit card. I kept the account current to date. CitiBank closed my account saying that I requested the closure. When I asked for proof the company stated I didn't meet the criteria for their products when initially I signed up for services the company rendered. There was no email or mail communication stating that things had changed within the company criteria and I feel that I was discrimated against for my financial demographics although I kept this account current and up to date. I know several counterparts with Citi cards products and services and the company did not offer me anything prior to closing my account causing my credit score to be lowered.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I am writing to formally express my concern with the lack of transparency regarding mileage earnings on Citi 's airline partner credit cards, both personal and business. 

Specifically, there is no clear indication of how many miles each transaction earns. This issue is particularly problematic when factoring in bonus earn categories, such as XXXX miles for restaurants, XXXX for gas, and XXXX for XXXX XXXX purchases and so on. 

Neither the Citi website nor the monthly statements provide a detailed breakdown of miles earned per transaction, which makes it difficult for cardholders to accurately track and manage their rewards. This lack of information hinders the overall user experience and reduces the value of the bonus categories offered by Citi. 

I kindly request that Citibank address this issue by providing a detailed, transaction-specific mileage breakdown either on the website or in the statements. For comparison, all other major banks and partners have already been acting in such a transparent manner. 

Thank you for your attention.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

The clause : " You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX months ''.

is ambiguous and is not clarified in the clause.

I understand it as for opening a Wells Fargo Premier Checking account within the past XXXX months, meaning XXXX months period only is about the date of opening the account. - i.e. the XXXX  months restriction period starts on this date, and XXXX months from that date XXXX is eligible for the promotion again. 

I had contacted XXXX Wells Fargo bankers, and they all confirmed my Interpretation of the clause, specifically that XXXX months from the date of opening the previous account XXXX is eligible again for the promotion. None of them stated it has anything to do with the actual date of bonus posting. In fact they stated a similar clause for the savings should be interpreted the same way only the account opening date matters. 

Many other banks use the same clause, with the same interpretation. Some clarify it in the clause itself, which is obviously preferable. I always contact the bank representatives to clarify the clause before proceeding with the promotion, and their interpretation was always honored by the bank. So it seems to be more or less a universal interpretation. 

Please clearly confirm that the interpretation I received from the XXXX Wells Fargo bankers is correct.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (WI)

Subject : Notice of Violations and Demand for Immediate Settlement Compensation Dear XXXX Funding, XXXX XXXX XXXX I am writing to formally address the serious violations committed by your organization concerning the purchase and verification of a debt related to identity theft, and the subsequent impact on my credit report. This letter serves as a demand for immediate settlement compensation in accordance with the laws and regulations governing debt collection practices in XXXX 

After a thorough investigation and consultation with legal advisors, it has come to my attention that XXXX XXXX, XXXX XXXX has XXXX in practices that not only violate federal and state laws but have also worsened the hardship caused by identity theft. The identified violations are as follows : Violations under the Fair Debt Collection Practices Act ( FDCPA ) : Continued Pursuit of Fraudulent Debt : {$1000.00} Failure to Cease Collection Activities Upon Request : {$1000.00} Failure to Provide Verification of Debt : {$1000.00} Violations under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Accurately Report Information : {$1000.00} Failure to Rectify Inaccuracies Upon Dispute : {$1000.00} Additional Violations : XXXX. Violation of Consumer Financial Protection Bureau ( CFPB ) Guidelines : {$1000.00} Violation of Federal Trade Commission ( FTC ) Regulations : {$1000.00} Violation of XXXX Consumer Laws and Regulations : {$1000.00} Violation of United States Code ( USC ) Title 15, Chapter 41, Subchapter V : Debt Collection Procedures : {$1000.00} Violation of XXXX XXXX XXXX ( XXXX ), Chapter 427.104 : {$1000.00} Violation of XXXX  Statue Chapter, 427.105 : {$1000.00} Failure to Comply with Cease-and-Desist Order : {$1000.00} Continual Collection of Fraudulent Debt Despite Evidence : {$1000.00} Removal and Permanent Restriction of Account : {$1000.00} The total charges for these violations amount to {$14000.00}.
Consumer complaint received 2024-10-25
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/year> I applied for an XXXX XXXXXXXX XXXX credit card from Bank of America. The application was not automatically approved and I was notified that I would hear back from Bank of America in the coming days regarding the application and if any information was required to approve or process my application. Over two and a half weeks later I received a letter in the mail from XXXX XXXXXXXX XXXXBank of America XXXX The letter instructed me to call back to provide information to XXXX XXXXXXXX XXXXBank of America within 30 days. Upon receiving this letter, I immediately called back. On that call, I confirmed with the Bank of America representative that I had recently moved and confirmed the address from my credit report. The representative then told me that my application was approved and that I should be receiving the credit card that I applied for in the mail within several business days. 

After waiting for over two weeks and not receiving anything in the mail, I called XXXX XXXX  XXXXBank of America . On that call, I learned that the representative I had spoken to previously had lied to me and had not acted on the additional information I had provided to approve my application. In fact, nothing had been done. The agent I followed up with ( XXXX in the fraud department ) then instructed that due to the passage of time since my original application, a second hard credit pull would be required to process and approve my application. Through no fault of my own, I was being subjected to a harmful second hard credit pull because XXXX XXXXXXXX XXXXBank of America had delayed their action on my application, lied to me on the phone when I called in to provide additional information, and failed to inform me of the potentially negative financial implication of moving forward with the credit card application. This outcome is patently unfair. Despite multiple time consuming attempts to identify a resolution that did not involve a second hard pull on my credit ( e.g. a soft pull or an exception to their policy to use the initial credit pull ), XXXX  XXXX XXXXBank of America did not offer any solutions to correct their mistakes and misinformationXXXX XXXX XXXX XXXXBank of America needs to be held accountable for these issues that they have created. All I did was follow their instructions and now I am being punished for their ineptitude. 

In addition, I have experienced extremely rude and unhelpful customer service when attempting to resolve this issue with XXXX XXXXXXXX XXXXBank of America . In particular, one of the XXXX XXXXXXXX XXXXBank of America `` resolution managers, '' Shania Hart , was particularly rude and was dismissive of the implications associated with being subjected to multiple hard credit inquiries and unlike other XXXX XXXX XXXXBank of America employees that I spoke to was completely unwilling to accept accountability for the mistakes caused by the company resulting in harm to my credit score.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

Under Regulation E ( 12 CFR 205.6 ), I did not authorize a transfer of XXXX payments of {$300.00} not involving loss or theft of an access device. A total of {$900.00} was taken from my Wells Fargo account through XXXX on XX/XX/2023. This was an unauthorized transaction and my account was hacked.
Consumer complaint received 2024-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Amount of {$51.00} charged to my card for XXXX XXXX XXXX  at XXXX XXXX XXXX. Complete album track listing was not disclosed when ordering so consumers thought they were receiving the full album -- XXXX tracks, not XXXX. Merchant said all sales were final without disclosing this very important information. Contacted merchant to resolve ( see documentation ) and they refused to refund money. Filed dispute with Capital One. In spite of evidence provided, Capital One is refusing to refund my money/credit account.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX Account Number XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.