davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (LA)

CFPB Complaint : Debt Collection Abuse by Caine & Weiner Introduction I am filing this complaint against Caine & Weiner, a debt collection agency, for violating the Fair Debt Collection Practices Act ( FDCPA ) and engaging in abusive debt collection practices. I dispute the debt they are attempting to collect and request validation of the debt according to federal law. 
Dispute of Debt I am disputing any and all debt that Caine & Weiner alleges I owe. I have no knowledge of this debt and believe it may be inaccurate. I request Caine & Weiner to cease all communication attempts until the debt is validated.

Revocation of Communication Rights Pursuant to 15 U.S.C. 1692e ( 1 ), I hereby revoke Caine & Weiner 's right to communicate with me by phone call, text message, or email. All future communication must be done in writing via US mail.

Request for Debt Validation Under 15 U.S.C. 1692g, I demand written validation of the alleged debt within 15 days of receiving this complaint. This validation should include : The amount of the debt The name of the original creditor The date the debt was incurred A breakdown of any charges or fees associated with the debt Request for Purchase Agreement If Caine & Weiner is not the original creditor, I request a copy of the purchase agreement between them and the original creditor, demonstrating their legal right to collect this debt.

Request for Proof of Licensing and Bonding Pursuant to 12 CFR 1006.34, I request Caine & Weiner to furnish proof of their license and bond to collect debts in my state. This proof should include : A copy of their debt collection license issued by the appropriate state agency Verification of their surety bond Failure to Provide Proper Notice If Caine & Weiner believes they previously notified me of this debt, I request a copy of the notification with a certified mail receipt showing my signature. The FDCPA requires them to provide proper written notification of the debt, and a certified receipt with my signature is the only way to confirm this.

Demand for Response Caine & Weiner has 15 days to respond to this complaint and fulfill all the requests mentioned above. Failure to respond or comply with these requests will be considered a violation of the FDCPA.

Sole Acquiescence This complaint constitutes my sole communication regarding this disputed debt. I will not engage in further conversation with Caine & Weiner until they have validated the debt and responded to all my requests outlined above.

Please Note : I have included relevant reference codes from the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ) to support my claims. You can find more information about the FDCPA on the Consumer Financial Protection Bureau ( CFPB ) website : https : //www.consumerfinance.gov/. 
Iam submitting this complaint to reserve all my rights
Consumer complaint received 2023-11-15
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (RI)

Account info Account name XXXX/COMENITY/VICTORIA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX- I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you
Consumer complaint received 2023-09-27
Product: Credit reporting 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 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$770.00} XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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)

This is my OTHER attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint regarding specific records in my document as a result of their malfeasance. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I made or approved. Assuming no one cares, block the mention of any information in my credit report that arose as a result of alleged fraud. Section 605b of the FCRA requires CREDIT BUREAUS to delete any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GAXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$8200.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (AL)

XX/XX/XXXX I sent out a letter to self lead bank to remove an account from my credit report thats listed as a charge of this my third attempt to get them to remove this inaccurate information. This account is listed as a charge off and has already been written off as a debt. You are violating FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate. Remove this immediately from my report my next step is to request a 1099c form so that I can audit and make sure you are in compliance.
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AL)

I submitted a request for my payment plan to be changed in XXXX, and they lost or deleted my application with no correspondence. I submitted again XXXX weeks ago and still no word. 

They also charged my bank account twice incorrectly for the same amount. I don't know what to do. They don't have accurate information on how to handle autodebit on their website, they will not respond to email. I have called XXXX separate times, each time put on hold for over XXXX hours, and then disconnected. This is completely unacceptable. They overdrafted my checking account in error and told me that I was overdue for a payment when I was not.
Consumer complaint received 2024-04-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I don't recall having a contractual relationship with this collection company TRANSWORLD. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CO)

Someone obtained my information and opened a credit card with Synchrony Bank/TJ Maxx credit card. I believe they rented a car with XXXX rental car company with that card. The rental car company told me they have my Driver 's License on file and that they have security camera footage of me getting in the car in XXXX XXXX. I have never been to XXXX XXXX in my life. They confirmed they had my XXXX Driver 's License on file and when they read to the # to me it became apparent that they had my former Kansas Driver 's license #. 

Someone also opened a Personal Loan with XXXX XXXX for approximately {$6000.00}. 

I have never done any business with either of these companies. 

I have spoke with all 3 Credit Bureau 's and 2 of them are investigating these fraudulent activities.

I believe they have my Social Security Number.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (PA)

I am writing to address a discrepancy on my credit report. It appears there is a charge-off listed that has already been discharged.

I contacted the IRS and they confirmed that the debt is no longer outstanding. According to the IRS, information regarding discharged tax debt should not be reported as a charge-off on credit reports. 

I kindly request that you investigate this discrepancy and remove the charge-off from my report if it is found to be inaccurate. Additionally, if a 1099-C was issued related to this discharged debt, I would appreciate it if you could provide a copy for my records. 

Thanks, XXXX XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

The first attachment is the complaint which shows how Resurgent/XXXX failed to explain who they are. They failed to provide proof of licensure within five days as required by CA law. They failed to provide any signed original agreements for either of the debts alleged owed. Their tactics had measurable adverse effects on my XXXX y/o father suffering from XXXX and my elderly mother suffered a XXXX XXXX. They should not be contacting any of my family members in the first place but measurable effects in my opinion are my father 's XXXX advancing including taking his XXXX catheter and dumping his XXXX on himself, eating and smearing his own feces and believing men and women were going to kidnap and execute him because those people were looking for me and they were going to serve papers and come to the door. Not only did Resurgent use tactics which might scare an ordinary person, those same tactics are actually catostrophic for a person experienced XXXX. Not to mention all of this happened while I had Covid multiple times and have long term effects and I also have XXXX XXXX XXXX. Basically their conduct in my opinion made my father suffer emotionally and physically as well as my mom and then I had watch all of this happen and there was nothing I could do. And Resurgent, doesn't even bother to directly address any of my questions directly.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX. at XXXXreceived a text claiming to be a chime Bank alert asking if I attempted to make a transaction for a certain amount I replied with " no '', then received a text message saying thank you for response you will receive a call from customer support shortly. Then I received the call at XXXX from what seemed like " Chime customer support '' asking me if I was aware of the suspected fraudulent transaction in question I replied with no he then asked me if I had access to the chime mobile app I said yes I then logged in he then asked me to make sure that all of my funds looked right yes I replied everything was there he then told me he would help me secure my account. I told him to close it and send me replacement cards. I gave him the name of my account and address. He then said to transfer funds from my credit acct. to my checking but before doinf do I locked checking acct. yo block any transaction while making the transfer. The second I transferred XXXX the phone hung up and my account showed XXXX. In the app it showed that I used the " pay friend '' feature to a " XXXX XXXX ". The ONLY transaction/transfer I made was from my credit to my checking account. The number Chime customer support called from was a " private number " I have a screenshot of my call log with the date and time shown and a screenshot of the " chime text alert message '' that number was XXXX
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (OH)

My student loan servicer is intentionally delaying my teacher student loan forgiveness. After completing my 5 years teaching in a high needs school, I submitted by application to Great Lakes Borrower Service. Unfortunately, my loan was transferred to Nelnet during that process. I resubmitted my application and Nelnet sent the application back to me on reasonable cause. I have since had to resubmit my loan forgiveness application 5 times for various petty reasons such as the signature date being too old or the signature being slightly faded. Does the signature date actually matter? The signature was old due to the fact Nelnet took over my loan. They also fail to tell me about these issues upfront. I did not learn the signature date was an issue until my 3rd resubmission. If it truly was an issue, why wasn't I told that upfront when I made other corrections. 

Every time I resubmit my application I ask for any corrections to be emailed back to me but instead they mail it back to me which delays the process even longer. They flat out disregard my request to email. 

Additionally, Nelnet 's resubmission process is intentionally flawed. There is no way to submit my application through the website. I can only submit it through email or through mail. Unfortunately, they often ignore the email until I file a complaint through their website. If I try to call I am met with XXXX wait times ( no callback option ) with the worst customer service imaginable. I have been disconnected and flat out told I just need to wait even though they have exceeded the XXXX business day wait period in which they say I will hear back from them. I submitted my most recent resubmission XX/XX/XXXX and have no heard a single thing back from them despite numerous attempts. A simple correction should take mere seconds to check. 

If I email them I am sent back an automated email with a list of frequently asked questions. It is a do not reply email so they have effectively eliminated any communication. Nelnet practices malicious incompetence to ensure all payments are continued let alone the extra interest it is accruing.
Consumer complaint received 2023-12-11
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. (IL)

on XX/XX/XXXX I file a XXXX  XXXX petition in case number XXXX in the northern district of Illinois and XXXX JPMCB Card services account # XXXX was listed in my petition and was discharge on XX/XX/2023. JPMCB CARD Services unlawfully requested my credit report from XXXX on the following months. XXXX XX/XX/2023 without my permission and out permissible purpose in violation of the Fari credit reporting Act 15 U.S.C. 1681 b ( a ) 3 ( f ) ( i ) .on XXXX XXXX I received a letter from Chase that those are soft inquiries. those inquiries where violations under the XXXX XXXX  Bankruptcy stay and discharge .please review the letters to JPMCB Card services. and the XXXX  XXXX discharge order.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NV)

On XX/XX/year> I received an email from my bank ( SoFi ) stating We take the safety and security of your account very seriously. In reviewing your SoFi Bank account, there appears to have been activity which indicates that the account may have been used in violation of the authorized activity guidelines described in your SoFi Bank Deposit Agreement. 
For your protection your account has been temporarily restricted. We sincerely apologize for the time you will not be able to deposit or withdraw from the account, transfer funds, or make purchases with your debit card. We need to speak with you to discuss your account details. 
Please call us at XXXX. If you reach our voicemail, please leave a message and a member of our security team will get back to you within 1 business day. We appreciate your patience while this process is completed. 
Sincerely, The SoFi Team So I called and they said that there is no information or ETA that I will have to wait XXXX XXXX XXXX XXXX and no funds means no medication or treatments they didnt care and I was hung up on on XXXX occasions
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I cancelled my account with XXXX who's service had been down a good part of the previous billing period on XX/XX/XXXX. XXXX charged my card on the XXXX. I disputed with the credit card company and they denied my claim. The evidence that XXXX sent is blurry and printed with light ink on a light background. It is unreadable. My browsing history shows I modified my account on the XXXX. It also shows a lot of information showing the service had been down for a long time.
Consumer complaint received 2023-07-24
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

In XXXX of 2023 I sent a Experian a dispute with tracking information. ( XXXX : picked up by postal facility at XXXXXXXX XXXX on XX/XX/2023 ) I contacted them again in XXXX and sent them another certified letter ( XXXX : Your item was picked up at a postal facility at XXXXXXXX XXXX  on XX/XX/2023 in XXXXXXXX XXXX XXXXXXXX. ) they acknowledge they got the one in XXXX, but say theyd somehow dont have the one sent in XXXX. They were signed for by a XXXX XXXX and XXXX XXXX from Experian acknowledge that that is a person in their mail area. I still do not have answers to why my dispute was not responded to. I sent a paid in full letter to the account. ( a representative from Experian called me today and admitted that they did not even know what the dispute was about- even though every document was in the letters that have tracking numbers above ) she admitted that the name on the account on my credit report is different from the original creditor : this is why I think they screwed up because they didnt realize it was the same account! I still have yet for them to take it off my credit report, even though the dispute never went through
Consumer complaint received 2023-11-15
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (RI)

XX/XX/2022 XXXX, XXXX JPMCB CARD POTENTIALLY NEGATIVE I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you