davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (TX)

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (TN)

I received a notice about a tuition statement XXXX form I called and got no response. Then 3 months later and got another card type from XXXXXXXX XXXX  saying I owe {$6200.00} for something I didn't sign up for. This is not me I'm XXXX XXXX XXXX on XXXX I didn't do this.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (GA)

On XX/XX/XXXX my cash app account and XXXX  accounts were compromised. When I caught on i was able to change credentials and take matters up with my bank. However there were some funds in my cashapp account totaling XXXX that i cashed out to my checking account to a total of XXXX. On that day a total of XXXX was taken from my checking account and out of that i was able to recover the XXXX and my back helped me with the rest. Now cashapp has taken that XXXX back according to XXXX XXXX XXXXXXXX theres a law that since the amount was deposited by them they can legally reclaim it. This is total bs and the bank cant even dispute or nothing. This totally absurd and i want my money back. I have tried dealing with cashapp and they are bigger crooks than the folks that tampered with my account initially.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Since the FEDS INCREASED THE INTEREST RATES, I can no longer pay my credit cards! up until recently, all of my payments just doubled and high fees were added on causing a mess in my finances and ruining my credit! which I know a majority of people are in the same situation... I'm now reported to the credit bureaus for missed payments, non payments etc.. the fees added on are absurd ranging from XXXX - XXXX dollars on top of the min. payment that is due and the high interest rates... I have spoken to several of my credit card companies to work things out... XXXX is one of the cards- which did work out a program for me that makes it more manageable to pay for the next year, with a low payment and interest rate .. however, that will change in one year from now, as the rate will increase again .. Capital one/ Walmart has increased dramatically! Walmart- charges 30 percent interest when you use their card, which adds another XXXX - XXXX dollars to a purchase, for example gas of XXXX dollars- they add another XXXX bucks to that! all in interest rates... Capital One- just doubled my payments, which includes XXXX - XXXX dollars fees on top of it, especially if I go past their cutoff hour for payment due... In the past they have adjusted that, when I asked.. but they now say they can't do it anymore .. causing my min. payments due to triple! which they just reported it to the bureaus - ruining my good credit!.. XXXX XXXX- I have XXXX cards with them which I was paying down the balances and was manageable, until recently when the interest increased! and their late fees of XXXX bucks for each card! my payments doubled and now I cant pay them... XXXX XXXX did work out a better interest rate with me when I asked for one of the cards, due to having good standing with them - however, the min. due doubled.. I can't manage the payments now ... both cards.. I use these cards for necessities, not luxury... I maintained and built my credit up to a good score, after XXXX financial crash... I feel we are now going back to the era... I read that the President of the US is lowering fees to XXXX  dollars for late fees, when is that happening??? At this point, I can no longer manage these cards all due to the feds increasing the rates .. Bankruptcy is not an option.. I feel the feds should be held responsible for this and help the average consumer figure a way to fix this mess!
Consumer complaint received 2018-08-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (AK)

Knew this was a scam and they were spoofing ID on caller ID. I asked caller do not call and informed that this request does not apply to debt collectors. 
The scam is to inform its callers that they are Wells Fargo and that their mortgage payment is late and request an over the phone payment transaction. I did not do it but Im sure thousands of others called by them do! I get called everyday and want these people in prison. Please help!
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (FL)

Hello, I am writing in regards to my loan with Check N Go, I took out the loan aid with the assistance of a vehicle that I intended payback. However, I was terminated from my employment along with other debts, the loss of my parents, amongst other expenses and financial losses and I explained that I DO NOT HAVE ANY MONEY AT ALL, NOT EVEN {$1.00}, this loan is WAY PAST DELAWARE STATUE OF LIMITATIONS, I HAVE BEEN homeless for almost XXXX years without any income, no support from anyone else as I have been disowned and cut off from everyone in my life due to my personal lifestyle and financial burden/failures. I ALSO EXPLAINED THAT things are NOT better and I DO NOT HAVE MONEY NOR UNEMPLOYMENT BENEFITS!!
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I got hacked/ scammed on XX/XX/XXXX through my cashapp. 
1 ) amount {$2700.00}, instant fee {$48.00} deposited {$2600.00}, destination XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  ) amount {$3300.00}, instant fee {$58.00} deposited {$3200.00}, destination XXXX XXXX XXXX XXXX XXXX XXXX cashapp $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Someone stole my credit cards and used it to purchase things and or send money on PayPal. I reported it to my bank and the bank ( XXXX XXXX XXXX XXXX XXXX reported that they sent PayPal the funds back due to PayPal providing a statement. They stated I have to file a claim with PayPal to get my money back. Although I never did business with PayPal. PayPal said the claim is still open and I have to go through my bank. PayPal also stated the claim the banks submitted were incorrect. The banks need to file a proper claim. The people who stole my information are in XXXX. I did press charges Card numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (TN)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, The XXXX XXXX XXXX XXXXXXXX. 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
Fortunately, before this Biden administration announcement, my Federal loans were discharged through the Borrower Defense Case under the XXXX XXXX XXXXXXXX Settlement in XXXX of XXXX. I waited 6 years for that approval. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit on-site and online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 

This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all of these predatory private loans made to attend for profit schools NOW! 

Link to Senator Warrens Letter XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

Citi bank closed my credit card - XXXX XXXX XXXX card and they are not refunding annual fee {$550.00} I paid for this card. 
As I haven't used any of the benefits before Citi bank closed the card, I should be entitized to get refund of the annual fee. 

I contacted Citi bank multiple times regarding this issue, but no success in resolving this issue.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (MS)

On the XXXX XXXXCharge off account that's on my credit report, I called and let them know the statute of limitations were up for this account. They disagreed and told me that it wasn't. The account was opened XX/XX/year>.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On or around XX/XX/year> I opened a Business Checking account at the nearest Chase Bank located at XXXX XXXX XXXX XXXX, XXXX FL XXXX, with a Check for the amount XXXX and a Chase debit business card was sent to me a few week later, when I tried to access the funds at the same chase branch a representative from chase informed me the account its been suspended due to no able to verify with the owner of the check to make sure the fund were actually legit, I asked to talk to someone from the branch and I was assigned to a branch personnel at which at this point she called Chase fraud customer service and informed me that the account have been closed and they couldnt get in touch with the owner of the business check that issued the check. They advised me two of two option, the first one was to place an stop payment of check or the second option is to have the owner of the check to update his contact information in order for Chase to verify the check was actually issued to my company XXXX XXXX XXXX XXXX ) I spoke right after with the owner of the check and he started the process of contacting his phone carrier and make sure that the check name was under his phone number, He also contacted XXXX to place an stop payment on which after a few days, XXXX informed him that the funds have cleared his account and that Chase Bank now has those funds. On or around XX/XX/XXXX XXXX received a letter from Chase Bank advising me of a negative balance of the account, since the account was already closed, I have been in contact with Chase after that like 5 occasions and they continue telling me that the phone number shown in his database doesnt Match the phone number that I also provided to Chase in order to verify with the owner of check. I went to two more Chase branches accompanied by the company owner who issued the check to my company and a Chase manager at the branch located at XXXX XXXX XXXX XXXX, XXXX FL XXXX after speaking with him and identified the identity of the checks owner, the Chase manager initiated a formal complaint that generated a call from Chase customer services about a week later on XX/XX/year> where she informed me that she will be investigating further, after couple of days later I received another call from XXXX and after going over the whole situation, she informed that the fraud department from Chase was not able to do anything again until the were able to talk to the owner of the check with the phone number that Chase has in the data base. This really frustrating to me and my family since we are not able to get access to these funds.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am expecting that this will be repaired ASAP. Thank you. 
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 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 2024-05-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (CA)

An account was opened up using my name and email address. I was alerted of this in XXXX and immediately reached out. It is nearly impossible to get ahold of anyone at Square via phone, and I was forced to resort to sending a message via their XXXX page. I continuously receive emails from Square savings with a link to my monthly statement. I WANT THIS TO STOP and I want firm confirmation that all of the accounts associated with any of my information are closed because they are all fraudulent. The email being used is XXXX.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a new credit card with Bank of America. I arranged autopayment ( what they call eBill ) immediately after opening the account. However, my first payment was not automatically paid. After rechecking the account, I saw a small note in the autopay process as follows : " Note : e-Bill initiated payments for this bill will not begin until the next billing cycle. Payments for this billing cycle must still be scheduled manually. '' While this text is clearly visible, it is not highlighted aggressively. Additionally, this behavior is entirely different from what a reasonable person would expect when establishing autopay immediately after opening a new line of credit. The result was that I faced a fee and interest charge. After contacting the company, the fee was waived but not the interest. This was done as a 'favor ' to me. I pushed, and the interest was then also waived, again as a 'favor '.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

Dear Sir/Madam, I am writing to file a complaint against Alexander Rose and Associates, a debt collection agency, regarding their handling of a debt collection account on my credit report. The details of my complaint are as follows : I discovered an account on my credit report from XXXX at XXXX XXXX for an alleged debt of {$3900.00}. I broke my lease at my apartment due to a family violence situation and had an agreement with the property manager to end my lease due to unsafe conditions for my children and I. I was not contacted by XXXX at XXXX XXXX prior to the dent being sold to Alexander Rose and Associates or before its appearance on my credit report. 
I requested validation of the debt in writing from XXXX at XXXX XXXX on XX/XX/year> but have not received any response or documentation supporting the validity of the debt. 
Additionally, I know that the debt has been sold to Alexander Rose and Associates by the apartment complex, which raises concerns about the accuracy and legitimacy of the debt. 

I request that XXXX at XXXX XXXX provide validation of the debt in accordance with the Fair Debt Collection Practices Act. 
If the debt can not be validated, I request that Alexander Rose and Associates cease all collection efforts and remove the account from my credit report. 
I also request that Alexander Rose and Associates provide confirmation in writing that the debt has been removed from my credit report. 

I authorize the Consumer Financial Protection Bureau to share my complaint with XXXX at XXXX XXXX and any other relevant parties for the purpose of investigating and resolving this matter. 

Thank you for your attention to this matter. Please let me know if you require any further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (IL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my credit was pulled 4 times by the same company. I did not authorize this.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$260.00} from Creditor : XXXX XXXX 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 an account without my written instructions.