davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this is actually an account that belongs to me. This company has failed to provide me with such documents. 

This company continues to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect my consumers rights, Validation of Debts 15 U.S.C. 1692g Account reporting inaccurate : 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 2024-07-17
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

To whom this may concern I apologize that I do not have my dates in order but this has happened unexpectedly I opened a XXXX Credit Card towards the beginning of this year. Possibly XX/XX/2024 I never received my first bill, and did not notice until I received the second bill in XX/XX/2024 with a late fee of {$35.00}. 
I called Comenity/Bread Financial and let them know that I never received the first bill, and they assured me that they would waive that fee and send me a new bill. I was told to hold off on payment until I received the next bill with the correct amount. 
I did ask at that time if I would be charged more fees and should I go ahead and pay the amount owed. Again I was assured that there would be no more fees. 
XX/XX/2024 I received my bill and there was an additional late fee on top of the first late fee. I called the credit card company again and asked to pay it in full there on the phone and close my account. I also asked that they send my confirmation via text or email of such. 
I never received an email or text and just received another bill yesterday XX/XX/2024 with more late fees. I called again and asked to pay the bill in full and to close the account. I asked again that they send me confirmation of my request while we were on the line and they assured me that I would receive such in XXXX to XXXX business days. Before I spoke to the representative I used the automated service to report my card lost or stolen in order to close my account. The automated response reported that my card was canceled and another account and card would be issued. I asked the customer service representative to cancel that as well and that I want no more cards/accounts with Comenity/Bread Financial . The representative assured me that all cards and accounts were to be closed.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AL)

Late payments listed for the following creditors on my credit report : XXXX XXXX XXXX Late payments XXXX XXXX XXXX XXXX Late payment JPMCB Card XXXX Late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments XXXX XXXX XXXX XXXX XXXX Late payment XXXX ( XXXX ) XXXX Late payments XXXX ( XXXX ) XXXX Late payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (IL)

My sims was hacked and unauthorized affirm account was created with my identity. Over the last 30 days three unauthorized purchases have been made on Affirm without my knowledge. These loans were {$11000.00}, {$6500.00}, and {$8200.00}. on XX/XX/year> I called and informed affirm which they told me not to worry about making these payments. But later that same day I got an email saying I am responsible. This is not exceptable. Today XX/XX/year> I filled out an identity theft report and made the credit freeze on my account.
Consumer complaint received 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TN)

I purchased several Vanilla gift cards for mothers day gifts 2024, only to never be able to use the gift cards. the people i purchased them for tried using them at several stores and they did not work, so i told them to return them to me and i will reach out to the company. i reached out to the company the first time in XX/XX/year> and i was told by an agent that the cards were locked for an unknown reason and unable to be unlocked, so i could throw them away, and was given case numbers and i would receive a refund via check in the mail in XXXX weeks. Fast forward to XXXX 2024, a month later, i had not received a check so i reached out to the company again. i gave them the case numbers and was told by a different agent that i did not submit the required documents for a refund. the first agent did not tell me i needed any documentation but said i was good to go so this was a shock to me. so the second person gave me an email to send the documents to and told me to wait another XXXX weeks for the refund via check. Now it is XX/XX/year>, still no refund. I reached out to Vanilla gift again today and they act as if they never received the documents although i have a confirmation email. They are now telling me to send the same documents again only this time to include that the first agent told me to throw the cards away. They also told me to wait XXXX more weeks for the refund, which will be close to XXXX months of me waiting for money i spent but never got to use. I have been getting the run around and out of close to {$2000.00}.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I do not recognize this information. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Nevada.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SUN LOAN COMPANY INC. (MO)

XXXXm receiving junk mail from Sun Loans coming from XXXX XXXX Missouri. I have asked this business numerous times to stop sending me junk mail since XXXX of this year. They continue to do so. My address is registered under Opt Out for pre screened offers and this is the only company that is continuing to send me junk in the mail and not obeying the laws. I want them to seize of sending me junk in the mail. Im tired of contacting them repeatedly. I will not ever do business with them so sending me these notices will not change my mind.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have disputed this debt multiple times. The debt is not my debt and the company has ignored requests for communications including proof of debt and options. Several attempts at communication in writing have gone unanswered. 

All outstanding debts on my part were paid to this apartment upon moving out. I was even issued a refund check for overpayment ( as found at claimittexas.org ). 

Due to the several disputes and lack of response from this company, I want this completely removed ( deleted ) from my credit history.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (TX)

I'm greatly distressed by the negative rating on my account and its severe impact on my creditworthiness. This derogatory mark has already led to a loan denial and higher interest rates on my existing credit accounts. The financial and emotional toll this is taking on me is substantial and will persist until this matter is resolved.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I was charged on XX/XX/year>. The companys name XXXX XXXX XXXX XXXX. The amount {$710.00} I disputed discharge with my credit card company. They had issued a credit. I then called XXXX months later to make sure the credit was still in place. The credit card company said everything was fine and the issue was settled in my favor. I then learned later that the credit was reversed as the vendor disputed the charge. I was not informed of this and later told that I had missed the deadline to fight this. Please help.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CO)

I am writing to file a complaint regarding my account with Square , Inc., associated with the email XXXX. My account has been unjustly frozen with a balance of {$440.00}. 

When my account was initially frozen, I received an email from Square stating that the funds would be held for 120 days before being released. However, it has now been over 270 days, and the funds are still being withheld without any clear reason or prior notice. 

I request the Consumer Financial Protection Bureau to investigate this matter and assist in determining when the hold on my funds will be lifted and the balance of {$440.00} will be released to me. 

Thank you for your assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2023-02-13
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (AZ)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by XXXX  I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX Based upon the understanding that XXXX is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relevant request for provision of information to Fors DAX , Inc XXXX Unfortunately, as of the date of this complaint, XXXX has provided neither me nor my legal representatives with the requested information. By ignoring my request, www.crypto.com failed to provide the required information about the XXXX hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, XXXX does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the response from XXXX represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: U.S. BANCORP (TX)

I never ask for loans I been getting mail from banks and other financial agencies approved lain letters Nd checks. How can I stop that. I am retired and on social security. Please stop these agency to lure people to sign that. This predatory lending and misleading marketing. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Consumer complaint received 2024-07-18
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: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am writing to dispute a debt collection notice I received from your agency, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Upon review of the notice, I have identified several discrepancies and potential violations : The following account is not mine LVNV FUNDING LLC Account Number : XXXX This account is not mine. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( 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, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you p
rovide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt.

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA. 

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (ME)

I've been having trouble keeping up with payments, I usually am able to catch up, but from the day I'm late with my payment until I pay, the XXXX girl calls me XXXX times PER DAY. It's excessive and I feel harassed. I want to start here before filing a motion to sue with the state of maine.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX I applied for the Wells Fargo XXXX XXXX card. 
After submitting my information, i received a message informing me that my application was pending. 
on XX/XX/XXXX, I received a letter from Wells Fargo. This letter stated that my application was declined. 
the reasons were : Too little time has passed since cards were opened. 
I have an account which was opened in XX/XX/XXXX, and an account which was opened in XX/XX/XXXX. Why is that not considered enough time? 
Percent of credit cards opened in the last six months : I opened an account in late XX/XX/XXXX, and one in early XX/XX/XXXX. Why is that a problem? 
Not enough credit cards, retail cards, or credit lines paid as agreed on your credit file. Since opening my first account in XX/XX/XXXX, I have a 100 % on-time payment history. I can not see any way to improve this percentage.
Consumer complaint received 2019-07-05
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: EQUIFAX, INC. (GA)

I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XX/XX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX