davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (FL)

IN REFERENCE TO : CFPB Case # : XXXX Subject : Demand for Valid Documentation of Alleged Debt Ownership XXXX, I am writing in response to the correspondence received from the Resurgent Inquiry Response ( see attached ) concerning the referenced account ( the " Account '' ) on XX/XX/XXXX. It has come to my attention that LVNV Funding LLC ( " XXXX XXXX Owner '' ) claims ownership of the Account, acquired on XX/XX/XXXX, while Resurgent Capital Services L.PXXXX ( " Resurgent '' ) serves as the Account 's custodian. 

However, the provided documentation fails to substantiate a valid contractual agreement between myself and the purported third-party entity. I demand immediate and conclusive proof demonstrating the legal rights of either of your companies pertaining to any contract I allegedly signed with either company. 

XXXX, it is imperative that you furnish me with concrete evidence establishing the validity of the purported obligation you assert I owe. This includes but is not limited to documentation such as a bill of sale or any other legally binding agreement that substantiates my obligation to pay the purported balance. 

Failure to provide the requested documentation within a reasonable timeframe will be interpreted as an acknowledgment of your inability to validate the claimed debt. 
Accordingly, any further attempts to assert this alleged debt without proper substantiation will be deemed a violation of consumer rights and subject to appropriate legal action. 

I await your prompt response and the provision of the required documentation to resolve this matter expeditiously. 

Sincerely, XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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: AMERICAN EXPRESS COMPANY (CA)

Tried using the gift card multiple times : Grocery store - declined XXXX - declined XXXX XXXX XXXX - declined XXXX - Declined Very frustrating and embarrassing when the gift card deos n't work on multiple occasions! 

Gift Card XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (LA)

Jefferson Capital System unlawfully obtained non-public personal and financial information from XXXX and shared the information with other parties including consumer reporting agencies. I was not in receipt of any document which verifies that Jefferson Capital System obtained my consent to obtain my personal and private information from XXXX and share it with any third parties included but not limited to consumer reporting agencies. I was not in a trilateral agreement with Jefferson Capital System and any other company or person. Jefferson Capital System failed to provide me with an opportunity to direct the company not to disclose my information ; and failed to provide instructions on how a consumer could exercise the non-disclosure option as defined in the Gramm Leach Bliley Act or 15 USC 6802. Jefferson Capital System acted without lawful authority when it furnished my private account information to consumer reporting agencies. Jefferson Capital System is guilty of identity theft as defined by 15 USC 1681a ( q ) 3.
Consumer complaint received 2024-04-06
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. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CA)

PenFed is withholding funds. Someone tried applying for a credit card with them which is not me and is identity theft. Thereafter, PenFed locked my checking and savings accounts and are preventing me from accessing my funds or transferring them. I submitted all documents but they are not doing anything and are illegally withholding my money. I have had enough. I need access immediately to all of my funds, my online account to be restored, and to remove this illegal hold on my accounts.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XXXX 2019 I was in beloved in an accident report to XXXX insurance. Was told everything was handle etc. XXXX year later I seen the auto loan still on my credit report. Usaa provided information that car was in XXXX I explained everything to them again. And that I have no idea where the car is. I continue to pay if I had a car. But insurance said a check was issued out and claim is clisef
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I believe that there have been violations of my rights under the FCRA by these agencies, causing me undue stress, anxiety, mental anguish, financial loss, career setbacks, emotional distress, and loss of sleep. These issues stem from the infringement of my right to privacy as outlined in 15 U.S.C. 1681, Section 602. Specifically, I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts in my consumer credit report. 15 U.S.C. 1681, Section 604, subsection ( a ) ( 2 ) explicitly states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arcon Credit Solutions LLC (NY)

On two occasions, most recently XXXX XXXX XXXX this company called any number they could find including a previous residence ( apartment building ) and the frequency of their tactics and number of people they have contacted amounts to nothing less than harassment. Additionally, they are contacting me regarding a debt that was paid off that I sent documentation of the previous debt collection agency that was assigned the debt, which makes matters worse. I need them to leave me alone this is taking a toll on my mental health.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have never had PORTFOLIO RECOVERY ASSOCIATES as a creditor. Per my research PORTFOLIO RECOVERY ASSOCIATES is a debt collector falsely attempting to collect a debt that isn't there's. 
I have requested that PORTFOLIO RECOVERY ASSOCIATES provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with PORTFOLIO RECOVERY ASSOCIATES In addition please provide the contract signed between PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX  ( XXXX ), XXXX. notarized and sworn under penalty and perjury for PORTFOLIO RECOVERY ASSOCIATES ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

Morning of XXXXXXXX : Wells Fargo illegally placed a hold on a XXXX XXXX XXXX I deposited at one of their branches ( in the amount of {$88.00} ). I need those funds available NOW to pay a debt that is due today! I've tried calling several times and no one will help fix this problem! In fact, most of the time, I can't even get through to a live person, and when I do, they are usually XXXX XXXX  refuse to help, and/or just hang up! If I ask to speak with a supervisors, the XXXX  to whom I am talking just hangs up! This latter happened three times when I spoke to XXXX, XXXX ( the branch manager at the XXXX branch ), and XXXX. Additionally, all of these XXXXs refused to give me their employee numbers, last names, or where they actually work ( except for XXXX XXXX. I did get a " reference number, '' which is XXXX.
Consumer complaint received 2024-04-06
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. (CA)

XXXX XXXX XXXX is reporting a Redeemed repossession and Redeemed or reinstated repossession in the comment section ( s ) on both my Experian and XXXX credit reports. The repossession took place in XX/XX/XXXX. The comment should be removed since its been more than 7 years since my initial late payment that lead to the repossession per 15 U.S. Code 1679c - and FCRA 605 ( a ) ( 5 ).

This comment is still having an adverse impact on my Experian and XXXX credit reports affecting my score. 

I submitted a dispute with both Experian and XXXX on XX/XX/XXXX, after obtaining my payment history ( attached ) from XXXX XXXX XXXX which clearly outlined the dates of the repossession. Neither credit bureaus have removed the comment despite providing them with proof that the repossession occurred more than 7 years ago now. Instead, they just changed the name of the original creditor.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (ID)

I have not used my card in more than 5 years. I have a recurring charge from a company I did not realize was charging my account. I did not have a chance to dispute it. The charge was {$80.00}. I was unable, due to life circumstances, to call Discover immediately. As I tried to pay the charges, I incurred double the original charge in fees. They never once called me or attempted to get in touch with me via email to let me know the payment was past due to the point of a negative notice on my credit score. They made XXXX attempt to rectify this situation with me. 

Discover subsequently reported a 30 day late pay on my credit report. I've had the card since 1999 with XXXX late payments or delinquencies in all that time. I never use this card, but can not close it because it will negatively impact my credit score. I also can not freeze future charges on the account. I have XXXX protection to stop this from happening again. 

I called to kindly request Discover clear my XXXXedit score and the manager declined to assist me or acknowledge any wrongdoing on the company 's part.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (PA)

Late Charges XXXX + NSF XXXX + Other XXXX = {$880.00} total fees XX/XX/XXXX to XX/XX/XXXX Hardship due to medical condition + prescription costs. 
I applied for loan modification. XXXX I was back to health, my mortgage current. 
Next mortgage due date is XX/XX/XXXX The fees are way too exuberant.
Consumer complaint received 2023-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

Credence Resource Management is a collection company that's steady harassing me and issuing alerts to the credit bureaus impacting my credit score negatively about a fraudulent account opened in my name I've sent in proof of identity theft and a police report proving the account was fraudulently opened in my name
Consumer complaint received 2023-03-25
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$770.00}.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A check for {$400.00} was issued and cashed, and the funds withdrawn from my bank. 

Capital one then stole the funds and is refusing to release them to our employee and charged her additional fees as well. 

They have committed wire fraud and conversion.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I received alert messages from my bank for unauthorized transactions and I replied to them no I did not make the purchase and they are fraudulent. One transaction did go through so I called Chime customer service to report it, my debit card got blocked and a new one is on the way. Once the transaction posted I called back to dispute it, and in less than 24 hours Chime denied the claim and now im responsible for a transaction I did NOT authorized, I did NOT know who did it and I did NOT recognize the website.

I then contacted Chime to appeal their decision because I cant afford to loose money I didnt allow anyone to take and in less than 2 hours they denied my claim for a second time. I asked for details about their decision but they cant provide me with any over the phone and asked me to wait 10 business days to receive a letter from them. Im a XXXX XXXX and that money they STOLE was for my rent.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Upgrade, Inc. (VA)

I have requested a change of address several times and they keep asking me to take a selfie holding a note with my account information. The photograph must meet their strict guidelines. I am a XXXX XXXX  citizen and can not provide the detailed photograph requested. I have provided them with a copy of my drivers license per their requested and have asked them to accept some other kind of verification documentation. They are unresponsive. The address they have on file is the original one when I opened the account. I have moved several times since then.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

It appears that in response to my complaints against the bank it decided to illegally harass me by denying access to my account. Today when I entered my usual ID and password, I got the message that those items " do not match '' which is a lie! This illegal harassment prevented me to pay my bills.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

These people who are answering my complaint at wells fargo are liars. There is evidence XXXX XXXX lied about me that I harassed her while I was at the bank opening up my new account that they wrongfully closed. I don't care that they have a right to close it. They were doing that with my first account which I had open at the wells fargo branch on XXXX in XXXX XXXXXXXX XXXX. I am tired of being treated like this. I did nothing wrong I have never harassed XXXX XXXX. This is just another tactic for XXXX XXXX to enrage me about. Like everything else they have enrage me. Anyone has flat out refused to listen to my side of the story. It was personal why my checking account was closed. I don't care what anyone says. Wells fargo even admitted to it was because of XXXX XXXX said I harassed her. I have never harassed XXXX XXXX. She slandered me which caused me to lose my checking account
Consumer complaint received 2024-02-02
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. (CA)

In accordance with the fair credit reporting act thus creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I called my financial institution immediately after I noticed several unauthorized purchases on my account. While on the phone with the fraud department there was more transactions from the same merchant coming in. The bank was able to block these as my card was already turned off. They are now saying that these transactions are legitimate despite the fact I called immediately.