davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Always pays my account in an situation but this company don't know that happen with my person whe they close my account without explication, i filling racism and discrimination over my person got excelent pay years old with they and they take decision of close to me. I need remove all to me credit rigth now because that cause poorto me reputation when they take decision of threat and racism, discrimination because I'm XXXX
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL regarding a bill for {$300.00} from supposed services rendered on XX/XX/XXXX. I spoke to a woman named XXXX at XXXX Wednesday, XX/XX/XXXX. I asked for XXXX to look up the bill at which she said they had changed computer software and was not able to pull up a bill from over XXXX years ago. I was told to contact XXXX XXXX XXXX to try and get information regarding this bill. Neither XXXX nor XXXX XXXX XXXX had record of any outstanding debt in my name. This bill for {$300.00} is coming from a company called AssetCare located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Their telephone number is XXXX. I would like to have AssetCare investigated because they are trying to extract money for an erroneous bill. Their bill clearly states they are attempting to collect monies on behalf of XXXX XXXX. If that is the case why does XXXX nor XXXX XXXX have record of the bill? I have contacted CFPB and have been asked to reference case # XXXX. I will also be in contact with the attorney general of Florida ( XXXX XXXX ) where I reside as well as the attorney general of Texas ( XXXX XXXX ) where AssetCare is located.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/XXXX I referred my friend who resides in Florida to Suncoast Credit Union ; they were promoting XXXX  gift card bonuses at the time I referred. He met qualifications and no gift card bonuses were sent after the qualification period, to my friend nor myself. We each then called customer service, spoke to various agents and relationship managers, and were given the run around for about 90 days. Today, I still had access to the account. I called again and mentioned that I would be submitting a CFPB complaint if not resolved. A relationship manager named XXXX said she would reach the back office for a resolution. Mind you, this is the same relationship manager who never called back a month ago. The mention of CFPB got their attention, and I am assuming the back office as well. 

Later today, she did call back and mentioned I have to drive into a branch with my ID to resolve the referral issue. I live over an hour away from a branch and that is highly inconvenient with my current transportation issues. I then requested for my account to be closed and membership fee sent as a check to my address on file, and she said they would email a form to my email on file to complete closure ( also unheard of ) and send the check. After the call, I logged back in to send a secure message requesting the closure, but my account has been locked and I have no online access. This was not the case before today 's call, and during their " review. '' I believe they locked my account and decided these measures because of my mention of CFPB, when I was only asking politely for them to please resolve. 

Thank you for your time.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc. (TX)

On XX/XX/XXXX, I sent money to XXXX XXXX in XXXX through SENDWAVE. I received email from them that the money will be transferred to the recipient as soon as possible. After XXXX minutes I called them to ask about the delay and they told me they are experiencing technical problems. I requested to cancel the transaction. 
After XXXX hours the transaction was not cancelled. I called them and gave them XXXX hours from the time I did the transaction but they refused. After XXXX hours the transaction was not cancelled. I called again. 3 days after, the money was taken from my account yet the recipient has not received the money till date.
Consumer complaint received 2023-08-25
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2019-05-04
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: Bread Financial Holdings, Inc. (FL)

This account was placed for collection on XX/XX/17 by XXXX XXXX XXXX. I've never been in business with this company so therefore I don't owe them anything. this company as reported on my credit that I owe them money which is incorrect and have ask for verification and all they return was a letter stating that the account was verified. sending a letter stating account is verified is not in anyway verifying an account according to the FAIR XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. ()

I am writing to inform you that I am disputing the references your company has made on my credit report due to their lack of completeness and/or accuracy. I recently contested this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not conduct thorough investigations. Therefore, I am now disputing the following information directly with you, the furnisher of the information, and request that you conduct an investigation as outlined in FCRA Section 623. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My mom 's storage unit was broken into back in XXXX  and she had a file cabinet that had all of our birth certificates, ss cards and other personal documents that could not be found when we were notified of the deft. This has been preventing me from being able to move out on my own. I have tried disputing numerous times but to no avail.
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Lendmark Financial Services (NC)

I purchased a car from XXXX XXXX XXXX on XX/XX/XXXX and the car broke down on XX/XX/XXXX. I was given a loaner car which resulted in my son and I being very sick, we stayed in that car until the end of XXXX in which they finally had fixed my car and gave it back to me. I was able to drive my car about XXXX weeks before it started to break down again, the car has been at XXXX XXXX XXXX for about XXXX weeks now unfixed. I rented a car from XXXX XXXX on XX/XX/XXXX in which I just found out that XXXX XXXX XXXX XXXX XXXX XXXX ) owns the rental place as well in XXXX  NC and I was stopped last night when I got off work from XXXX  I was on XXXX XXXX when the police told me that the tags on the XXXX XXXX XXXX were expired and there was a warrant for the owner XXXX XXXX arrest. I returned the car this morning and they tried to get me to pay for the car as well as pay for another car so that I could rent it.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NM)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against MCM for their failure to properly verify a debt that they claim I owe. I have already requested verification of the debt in writing as per the Fair Debt Collection Practices Act, but MCM failed to provide me with the necessary documentation. 

I received a response from MCM, but the verification of the debt did not include a signed credit card agreement, which is required under the law to prove that the debt is valid and enforceable. Without a signed agreement, I have no way of knowing if this debt is legitimate. 

I have attempted to resolve this issue directly with Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX  ID : XXXX ), but they have not been willing to provide me with the requested documentation. I believe that their failure to properly verify the debt is a violation of my rights under the Fair Debt Collection Practices Act. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with the law. I would also like to request that Midland Credit Management be held accountable for any violations of my rights as a consumer. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-09-15
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. (NY)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NV)

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 .

This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the thirty days to acknowledge the violations of FCRA, therefore immediately remove.

Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal.

15 USC 1681S-2, 15 USC 6802 , 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

My dispute has been closed and denied multiple times with no investigation or documents used to deny Claim being provided after requesting. I had same transactions on my XXXX XXXX and that Claim was approved. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$9500.00} Chime XXXX XXXX  Date Amount Merchant XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$20.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$280.00} XXXX XXXX XXXX. XXXX XXXX {$500.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$70.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$6.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$65.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$3.00} XXXX XXXX XXXX. XXXX XXXX {$95.00} XXXX XXXX XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$80.00} XXXX XXXX XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX. XXXX XXXX {$30.00} XXXX XXXX XXXX. XXXX XXXX {$29.00} XXXX XXXX XXXX. XXXX XXXX {$95.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$120.00} XXXX XXXX XXXX. XXXX XXXX {$180.00} XXXX XXXX XXXX. XXXX XXXX {$72.00} XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX$0.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$87.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DIGITAL FEDERAL CREDIT UNION (CA)

On Thursday XX/XX/year> I emailed DCU customer service requesting a debit card to be issued for my new trust checking account ending XXXX. I received a bizarre email back from someone named XXXX calling me by the incorrect name and saying I could just request a replacement debit card online. As my attachments reflect, I have logged into my DCU trust account under the Membership heading and I am unable to order a debit card at this time. XXXX seems to be confusing my non-trust checking account ending XXXX which does have a debit card with the trust checking account ending XXXX which I specifically requested a new debit card be issued. I am unclear how anyone can be that confused when my original request was focused on my newly opened checking account when the account ending XXXX was opened more than two years ago. Also, I called customer service to ask if I could link my DCU checking accounts ( trust and non-trust ) and was told I can not. Again, common sense dictates that my account login experience should be unified, not split. It's ridiculous that I can link all DCU accounts with my non-DCU banks and credits unions seamlessly, but I can't combine them within the host institution.
Consumer complaint received 2024-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (TX)

I hope this letter finds you well. I recently received a copy of my credit report and after reviewing it I noticed several inaccuracies. The account in question is XXXX. With this debt I did not receive proper notification, please provide the certified mail with a receipt with my signature on there stating that I received it. 

Also based on the inaccuracies you reported are highly injurious to my credit report, credit score, and it violates my rights as a consumer. You Southwest Recovery Services ( debt collector ) could face a fine from the government or a claim from the customer that the company violated the FCRA. The government recently fined one collection agency one-half million dollars for systematic failures in determining accurate dates of first delinquency. If you do not have any documentation in your files to verify the accuracy of the information on the account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ).

By publishing this inaccurate information and unverified items on my credit report you are damaging my credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts, and accounts with systemic failures must be promptly deleted. 

In light of the above, I respectfully request Southwest Recovery Service to remove and delete the charge-off from my credit report.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Company/date XXXX XXXX XXXX XX/XX/XXXX Company/date - XXXX XXXX XXXX XX/XX/XXXX Company/Date- Courtesy Finance LL XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries listed above was reported to my credit from your company.
Consumer complaint received 2024-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (TX)

Attached is my statement from this past XXXX in XXXX showing that my original contract with XXXX, financed through XXXXXXXX XXXX, was paid in full with no issues. This new debt that they are trying to put on me is not mine, as I already paid my balance with XXXX through XXXX XX/XX/year>. I dont owe anybody else anything.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Recovery Services, Inc. (TX)

15 U.S. Code 1692c - Communication in connection with debt collection.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 




Account Number XXXX XXXX SOUTHWEST RECOVERY SERVICE XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX