davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

I was reviewing my credit report after receiving notice that my scores went down in XXXX of XXXX. I saw that a Jefferson Capital Systems debt had been added to my credit report. I disputed the debt with all 3 credit bureaus. They all came back and said it meets the FCR reporting act. I asked for original contract and verification of the debt which I have never received. They are trying to collect on a debt from XXXX is what it says. The date of last payment on the account was in XXXX. I called XXXX to verify that was the case and it had fallen off my credit report. Jefferson Capital Systems renewed the debt to appear that became delinquent in XXXX of XXXX which is a misrepresentation and is illegal to do. You are not allowed to not verify a debt or send original contract and just make up dates to impact my credit. It is past the time for reporting and it needs to be removed before I take a more legal approach. I have never done business with this company and they are scamming to try and get a debt paid that is past the statute of limitations and they can not prove or verify the debt.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

There was an unauthorized atm withdrawal after my card was stolen ( I thought I lost it ). I filed a dispute and they said they found no error. I had several charges prior that also were not me but because there were not enough funds it did not go through. I was not asked many questions, now leading me to believe they never intended to get my money back. 
This took place on the XXXX of XXXX. And the claim was closed on the XXXX I believe. I called on the XXXX of XXXX to see what could be done. All I was told was they found no error and it was closed. When looking at the claim it says I dont remember making this transaction. I never said this. I said it was not me. I am not sure how my pin was used but I find this really unfair. I dont make much money so this really hurt me.
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (CT)

I received a copy of my credit report and noticed some Hard Inquireies that I dont recognize. 

XXXXXXXX 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 2024-07-05
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: GOLDMAN SACHS BANK USA (MN)

On XX/XX/year>, I tried purchasing one item in-app. However, there was a glitch and I did not receive it, so I tried to purchase it again. I did not know that it would go through as XXXX transactions. 

I contacted the game developer to remediate and requested a refund. The developer confirmed that I was eligible for a refund, and they confirmed on their end that I did not receive the items. They told me to go through XXXX to start the refund process. 

I contacted XXXX on their reportaproblem page as directed. I requested a refund. However, I was denied. I requested an appeal and told them that I had a screenshot of my interactions with the developer, and that the developer told me it was ok to screenshot as proof of my eligibility for refund. 

I requested for a refund on XX/XX/year> and I was denied. I appealed on XX/XX/year> and was denied. I called XXXX to try to escalate the issue on XX/XX/year> and after spending XXXX minutes with XXXX advisors, they told me there was nothing that they could do. I uploaded the screenshot to them through a link they sent me, but again, they unfortunately told me there was nothing that they could do on their end as there was no option for further appeal. 

My next option is to try and get a chargeback with my bank but that means they'll lock my XXXX id. On a third lock, my XXXX ID would be banned. I am being punished for something that is no fault of my own, but also my money is being taken from me for a service I did not receive. So not only have they wasted my time, they refuse to refund me my money that I am eligible to have returned. 

The total was : {$43.00} XXXX, so {$87.00}.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

Notice Of Dispute : This is in reference to Bankruptcy # XXXX ( LexisNexis Risk Solutions ) LexisNexis has reported a bankruptcy on my LexisNexis consumer report and has refused to delete this entry on multiple occasions. I reached out to the bankruptcy court and they have told me in letterhead that they do not report any information to consumer reporting agencies ( Attached is the letter from the Bankruptcy Court ). LexisNexis claims that they verified this information as accurate through PACER, which is an online system, NOT a Data Furnisher. This is a violation of my consumer right to privacy and I never gave you any permission to furnish this information. I am demanding you delete Bankruptcy # XXXX From my LexisNexis report immediately or I will pursue legal action for willful noncompliance of the FCRA.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have asked that they provide the purchase agreement to show full ownership of such amount and other documents so I can review to see if this account belongs to me but they fail to do so. Also, this company violates my right reference to 15 U.S code 1692e ( 12 ) ,15 U.SC6801.
Consumer complaint received 2024-07-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (IL)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Dispute and Complaint Regarding Violations by SENTRY CREDIT INC Collection Agency To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau against SENTRY CREDIT INC, for violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/XXXX, I received notice from SENTRY CREDIT INC that they placed a collection account on my credit report. However, SENTRY CREDIT INC has failed to comply with the following laws : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), SENTRY CREDIT INC did not provide me with the required validation of the debt within the specified timeframe, yet they reported the collection on my consumer report.

2. Denial of Dispute Rights : Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), SENTRY CREDIT INC did not provide me with the opportunity to dispute the account before reporting it to consumer reporting agencies.

3. Use of False, Misleading, and Deceptive Means : SENTRY CREDIT INC has engaged in false, misleading, and deceptive practices in violation of consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

4. Lack of Required Disclosures : SENTRY CREDIT INC has furnished account information to consumer reporting agencies without providing all required disclosures as mandated by law.

Therefore, I request the following actions : * Immediate Removal from Credit Report : I demand that SENTRY CREDIT INC remove the collection account from my credit report due to their failure to comply with the above laws.

* Dispute of Debt : I dispute owing any and all debts to SENTRY CREDIT INC.

* Revocation of Communication Rights : I hereby revoke any authorization for SENTRY CREDIT INC to communicate with me via email, text messages, or phone calls. All further communication must be in writing and sent to the address provided above.

* Request for Debt Validation : Please provide validation of the alleged debt, including documentation proving the debt is valid and that SENTRY CREDIT INC has the legal right to collect it.

* Request for Purchase Agreement : Please furnish a copy of the purchase agreement between SENTRY CREDIT INC and the original creditor pertaining to the alleged debt.

* Proof of Licensing and Bonding : Please provide documentation proving that SENTRY CREDIT INC is licensed and bonded to collect debts in my state.

I kindly request that the CFPB investigate this matter promptly and take appropriate enforcement action against SENTRY CREDIT INC for their violations of consumer protection laws.

Thank you for your immediate attention to this dispute. Please contact me at the above address or by phone at XXXX if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

Nelnet constantly uses gaslighting and manipulation tactics to avoid fixing issues and dragging out processes. I have been dealing with this for over a year now. XXXX sent over the information on XX/XX/XXXX they said it would be updated in 20 days and they still refuse to make the update or provide any real information. they are criminals and they refuse to give customer service by email. I work full time the hours their service is available and I also refuse to accept service from them by phone as is my legal right as they are not trustworthy and I need documentation of everything. Which is clear by the way they deal with people. Please help me this time I am exhausted of having to file a complaint with the CFPB everytime just to get them to talk to me and then you close it .... what is the CFPB for if not to help people? It has been XXXX months. They purposely cause deleys to rack up interest and fees that are not owed to them. They are criminals. They employees and members of this company should be in prison.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I am writing to file a formal complaint against XXXX by Goldman Sachs regarding the withholding of my {$20000.00} funds deposited from XXXX XXXX  in XX/XX/year>. 

Approximately XXXX weeks later, my account was temporarily locked without prior notice, and I was instructed to call customer service to resolve the issue. Since then, I have called Marcus by Goldman Sachs numerous times to address this matter. Each time, I am placed on hold for extended periods, only to be told repeatedly that an affidavit of identity letter would be sent to me. I have completed and returned this affidavit as requested, but my account remains locked.

The continuous delays and lack of resolution have caused me significant stress and inconvenience, disrupting my financial stability and peace of mind. Despite my numerous attempts to resolve this issue, Marcus by Goldman Sachs has failed to provide any meaningful assistance or update on my account status.

Additionally, I received a tax form for the 2023 year indicating that my account is active, yet I am unable to access my funds or any account details.

I am requesting the Consumer Financial Protection Bureau to intervene and assist in promptly resolving this matter. I seek the immediate unlocking of my account and access to my deposited funds. Furthermore, I request that Marcus by Goldman Sachs be held accountable for their poor customer service and failure to address this issue in a timely manner.

Thank you for your attention to this matter. I am hopeful that with your prompt assistance, this issue can be resolved in a satisfactory manner.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NH)

Delll Pay I.E. Comenity Bank continues to call me, and is now using a " Private toll free Number ''. I've recieved 10 calls this week that are listed from Comenity Bank, never mind the private number calls. 
They called me on MONDAY XXXX @ XXXX, XXXX, and XXXX THURSDAY XXXX @ XXXX, XXXX, XXXX, and XXXX I did speak to a representative @ XXXX on Thursday XXXX who called from a " Private number " and stated that I've scheduled a payment and asked that all calls and communications to cease.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (CA)

My account was hacked twice in one day and chime failed to protect my account and funds. Chime declined to pay me the funds back that unauthorized wire transfers transactions were being made on my account after someone got into my account twice changing my information. I am a single mother of a XXXX child cant afford to deal with this.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank has a XXXX fee if you want do not want paper statement will they waive the fee if you sign up online Not everyone has a computer or has access to use a cell phone. In my case has several cards with synchrony bank figure out they will get over XXXX a year from me in this fee
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (MD)

I filed for bankruptcy in XXXX of XXXX. This account was included in the bankruptcy. I disputed the item ( I was unable to locate the information to contact them directly ), to see if I could get it removed from my credit report, as it was due to fall off early next year. After the investigation, it appears to have been changed from " Discharged in XXXX  XXXX Bankruptcy '' to " Charge-off Paid ''. I'm not sure if this was a mistake. I would like to see, since the account is scheduled to fall off soon, if I could get it removed from my account, or get some clarification as to why it was changed. Thanks.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NY)

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report.

15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information.

15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification.

15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and VantageScore are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (CA)

POSSIBLE FINANCE INC IS REPORTING A COLLECTION ON MY CREDIT REPORTS. 
IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.
Consumer complaint received 2024-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP. (DE)

My name is XXXX XXXX. XXXX XXXX is my spouse. We can both be contacted via the email provided. 

21st Mortgage Corporation has been taking our payments for months yet reporting to credit reporting agencies that we have not made said payments. They accept the payments, The money is removed from our account, then they claim that we have not caught up completely so our payments are not applied. 

Further, they seem to be using an 'in-house ' legal service of paid employees and charging us legal fees as if they were paying outside attorneys/consultants. They have us as having racked up over {$5000.00} in legal fees and we do not know what to believe is true/accurate. 

Additionally, the CFPB has had a cease-and-desist ordered issued on this loan in the past due to outrageous and harassing collection procedures. We do not know if cease-and-desist orders have an expiration date, but the phone calls have resumed despite our repeated requests to stop calling us. We have successfully communicated via postal mail as well as email in the past and there is no reason for harassing phone calls. 

This loan was purchased by 21st Mortgage from another loan servicer and we have discussed the cease-and-desist carryover with the purchase of the loan. They are well aware of our stance on phone calls, yet they belligerently flaunt their power of collection means. 

Today, we received a notice of civil action to foreclose. The notice reads that on XXXX XXXX 2024, we were given notice of intent to foreclose and that the notice is attached to the complaint. The notice is not attached to the complaint and we had never been given a notice of intent to foreclose.
Consumer complaint received 2024-07-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I have been having issues with this home deport card for the last couple of months. There was problems paying my home depot billing since XX/XX/XXXX. Now I see all these extra fees and late fees that do not make sense. If my billing statement is due on XX/XX/XXXX, why was I charged a late fee on XX/XX/XXXX? 
Also my number is registered on the FTC list, so I should never be harassed from credit card company! 
As I look back on my statement balances since XX/XX/XXXX, it does not reflect accurately according to what was agreed when I first got the credit card.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2024-07-16
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)

Re : Complaint ID XXXX Subject : Urgent Assistance Required for Unresolved Credit Reporting Issues Dear CFPB, I am writing to urgently seek your assistance regarding a matter that has not been resolved despite my repeated attempts. My previously filed complaint with Equifax, dated XX/XX/year>, remains in an OPEN status. According to your guidelines, companies generally respond within 15 days. In some cases, they may notify me that their response is in progress and provide a final response within 60 days. However, it has now been 48 days, and I have yet to receive any correspondence from Equifax. 

As per the Fair Credit Reporting Act ( FCRA ), reinvestigations should be completed within 30 days. Equifax 's failure to respond within the stipulated time frame is a clear violation of these guidelines. This delay is causing significant XXXX as I have plans to seek more favorable job opportunities soon, and the unresolved inaccuracies and inconsistencies in my credit report are detrimental to this process. 

Despite numerous letters and evidence provided, these errors persist in my Equifax report. The details of these discrepancies are discussed in my attached letter, along with a screenshot as evidence. 

I kindly request your intervention to expedite the resolution of this matter. The continuous reporting of inaccurate information on my credit file is not only unjust but also hinders my career opportunities and financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your immediate assistance in ensuring that Equifax complies with FCRA guidelines and corrects the inaccuracies in my credit report without further delay. 

Sincerely, XXXX XXXX