davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number XXXX
Consumer complaint received 2024-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

This afternoon the company called CAINE & WEINER placed a collection on my credit report for {$430.00} USD. Called the company to inquire to the number on their website connectcw.com ( XXXX ) XXXX, and the representative informed me this debt is from Progressive XXXX XXXX for a vehicle, which I have never owned in my life. The representative requested for me to file a police report, and I contacted XXXX as well, and was directed to this site for this process. 

Since last year I was victim to identity theft, it is clear to me, this is related to the same people who had purchased a {$20000.00} vehicle under my name in XXXX TX. This specific complaint was closed, and the number is XXXX for your reference regarding this new one. 

Please coonduct an investigation and remove this fraudulent collection placed on my credit report.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion and XXXX is reporting a bankruptcy on my consumer report and they have put in the data furnisher as being The US Bankruptcy XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXXXXXX XXXX  XXXX verifying and stating that they do not furnish information over to the credit bureaus or any 3rd party companies. TransUnion and XXXX is falsey stating this information on my consumer report and have yet to remove this from my consumer report.
Consumer complaint received 2023-08-30
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I called Comenity Bank who is the card issuer of the Bread Cashback credit card, to dispute a charge on my account for dissatisfaction of the goods or services provided. The bank is refusing to submit a dispute because of my reason for disputing. They told me to take it up with the merchant. I have already done that and the merchant refuses to work with me or provide refund, which is why I am wanting to dispute the charge. The bank is refusing to submit the dispute.
Consumer complaint received 2024-01-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OK)

I was first contacted by email ( copy attached ). They failed to notify of this debt by regular mail. I have, hopefully, enclosed what was received by me in mail during that five day period ( copies of Informed Delivery attached ). 
Upon looking at this letter and at the amount, I would conclude possibly being scammed by this entity. XXXX was acquired by XXXX on XXXX XXXX XXXX  and ceased to exist by that XXXX. I am a current customer of XXXX  and have recently purchased a XXXX XXXX XXXXXXXX XXXX XXXX from them for {$190.00}, which I am currently paying for. Another suspicion of mine on is that the amount claimed is only XXXX cents more. Its been over seven years since I did any business with XXXX and the only records that I keep longer than five years are income tax records.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

Numerous fraudulent charges were applied to my American Express card that I never received because I needed a new one. Every time I call, they seem to have a different story of what theyre doing to try to fix this. They dont seem to know how to resolve this. The charges were in Hawaii and XXXX XXXX. I live and work in New York and have never been in the states and have filed a police report
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion decided to change my social security number AND all personal information about me, to my twin sisters ssn, address etc, and now wants me to prove my identity when its there XXXX XXXX. Ive explained and verified my identity countless times and at this point this is literally hindering my life. Im homeless living with my grandmother because of the actions of TransUnion.
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IA)

This is a recurring problem. Once again, I won a small amount ( {$100.00} ) through an online app from the Arizona XXXX. The cash prize is awarded in the form of a Vanilla VISA gift card. When I would win these a little more than a year ago, I was able to use the entirety of the cash on the card by converting it into an XXXX gift card. Over the past year, you will be able to find many people on XXXX and elsewhere online complaining that these gift cards have become useless online. You can't use them on XXXX, full stop, let alone use them to purchase an XXXX gift card. You can't send the money ( after a fee ) via XXXX. You can't transfer it to your bank account ( after a fee ) through XXXX. There are tips online about adding a Zip code to your prepaid gift card so you can use it with XXXX, but for me at least, there is no option on the Vanilla website to set up my ZIP code. It feels like the business model of these companies is similar to the heist at the end of the movie XXXX XXXX : Take a little money from a XXXX jar, and nobody will notice, but take money from many XXXX jars, and it adds up to a lot. They are presumably collecting interest on all of these accounts that are collectively worth more to them than it is worth the time individually for all us of poor saps to track down our mere XXXX bucks. It's a scam and I would just like them to give me my money.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have sent XXXX letters ( XXXX XXXX and XXXX on XX/XX/XXXX to this company for XXXX separate accounts asking them to only contact me via mail and for verification and validation of the debt and of any contract that I have with them. I have not received any evidence of verification and validation of the debt and of any contract I have with them. 

They have called me on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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: PayActiv, Inc. (NV)

On XX/XX/XXXX I used an ATM located inside a XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX The next day ( XX/XX/XXXX ) I left for XXXX, NY ( ticket receipt attached ). While in XXXX I used the same card ending in XXXX ( photo attached ) to make several transactions. I returned from XXXX on XX/XX/XXXX. On XX/XX/XXXX I went to the store and attempted to use my card ending in XXXX and the transaction was declined. I logged onto my account and discovered the balance was XXXX ( XXXX  ). I reviewed the transactions and noted that there were XXXX unauthorized transactions totaling {$5600.00}. This amount does not include all of the transaction fees that had accrued. The transactions occurred over a 6 ( six ) day period at 10 ( ten ) different locations ( transaction list attached ). I called the card company immediately after discovering turned off the card and filed a dispute claim. The card company responded on XX/XX/XXXX claiming that the disputed transactions were not found to be errors and funds would not be credited back. They noted that these transactions were authenticated with CHIP and PIN. But the card that was issued does not contain a chip and is a swipe only. I then filed a second ( 2nd ) level dispute providing copies of my airline tickets, police report XXXX ( can provide ), and photos of the card showing no CHIP. This issue remains unresolved.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (OR)

I was initially contacted by Professional Credit Services on my phone number XXXX regarding a debt collection call. They were looking for someone who was not me, XXXX XXXX. I told them during that phone call on XX/XX/XXXX XXXX at XXXX PST, that I was not the right person they were looking for. However, they have continued to call me even though I dont any debt to them. They have caused me stress, and emotional harm due to which I am unable to sleep at night and function properly during my day job. I am looking to seek a damage compensation and violation of privacy from them. 

I am attaching a screenshot of a call from their numberXXXX on XX/XX/ that was verified by the carrier during which I told them I am not the right owner of the debt and not to contact me. And additional screenshots of phone call and voicemails, regularly past that date in a daily basis despite of XXXX request.
Consumer complaint received 2024-07-08
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: CITIBANK, N.A. (TX)

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX, BEST BUY I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX, BEST BUY or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Consumer complaint received 2024-07-03
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

FCO Fair Collection & Outsourcing placed a collection on my credit reports last year. I've reached out to them multiple times via certified mail with a return receipt service and requested a validation. The collection alleged a debt with the original creditor XXXX XXXX for {$4400.00}. Despite my request for validation of the debt from FCO Fair Collection & Outsourcing and XXXX XXXX, they have failed to provide adequate verification within the specified time frame. 
I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy Pursuant to 15 USC 1681 2B. FCO Fair Collection & Outsourcing has no permission or right to report on my credit report. This collection should be removed from my credit reports.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Ava Finance, Inc (TX)

Subject : Complaint Regarding Unfulfilled Promises and Misleading Advertising by Ava Complaint IDs : XXXX ( XXXX ) I am writing to formally file a complaint against Ava for unfulfilled promises and misleading advertising. Despite making timely payments on my Ava Loan, the promised {$15.00} Boost to my Spending Limit has not been applied. My spending limit remains at {$50.00}, which was the same before I signed up for the Ava Loan. 

This issue has been repeatedly escalated over the past few months without any resolution. Additionally, there have been other unfulfilled promises made by Ava representatives when signing up for additional products such as the Ava Credit Builder. These issues include : 1. **Consistent failure to apply the promised boost to my spending limit** : - Despite numerous communications, my spending limit has not been increased as promised. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) 2. **Inaccurate troubleshooting and technical errors preventing me from paying off balances using my linked bank account** : - I have faced multiple errors when attempting to pay off balances, which led to missed payments and negative impacts on my credit report. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) 3. **Unfulfilled promises regarding spending limit increases and other benefits tied to Ava products** : - Previous representatives made claims about benefits that have not been delivered, including spending limit boosts and other features. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) To reiterate from our previous communications, I expect the following actions to be taken immediately : 1. **Immediate application of the {$15.00} Boost to my Spending Limit PLUS an extra {$250.00} boost for inconveniences**. 
2. **Ava Monthly Subscription Fees Waiver for 24 months MINIMUM** ; NO LESS, or an additional complaint will be filed. 
3. **Removal of any Future DEBIT CARD Fees for Instant Repayments, and Unlimited Due Date Cycle Change Requests**. 
4. **Clear communication regarding the timeline and process** for the application of this boost, without further delays. 
5. **Assurance that such issues will not recur in the future**, and a review of your advertising practices to ensure transparency and honesty. 

Until Ava XXXX delivers on their multiple failed and unfulfilled promises, I will not allow any processing of scheduled payments. This includes Ava Card AutoPay, Subscription, Credit Builder Loan, or anything else. 

Today, I will be filing complaints across multiple complaint agencies, including the CFPB, FTC, and XXXX. Additionally, I will be providing extensive feedback and reviews of all the negative experiences Ive had with Ava across public forums and review sites. 

Please confirm receipt of this complaint and provide a detailed plan of action to address these concerns promptly. 

Regards,
Consumer complaint received 2024-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (WI)

I wrote a letter with my expenses. They refused to accept it. They are selfish. I cant afford {$240.00} per month! I sent the paystub. And they need to realize that they need to reduce the payments or they need to pay it off!
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

WFDS seems perfectly happy to provide all kinds of extemporaneous info that does NOT PERTAIN to the specific FRAUD and ILLEGAL activity. 

To wit : INC-splaining their policy and how a loan maturity date gets extended or how payment/s were deferred in the past. This is NOT PERTINENT. 

The issue is simple. I paid off the loan and then they added a Dollar XXXX XXXX  to the loan days later after i had paid it off - thus illegally modifying the contract for the purchase and the agreed upon purchase price ; and THEN reported the dollar and late fees as a late payment to CRA 's. 

I was also assured via calls ( which their CFPB " answer '' acknowledges i made ) that late charges were a separate issue and not reported to CRA 's especially since not a part of principle or interest. They are in direct violation of the laws AND have rendered the contract void via their FRAUD. This is actually referred to as Fraud in the Inducements. Also- on another note - what good does the CFPB do?? you forward complaints and when they answer you 'close ' cases? How is that 'doing " anything? Have you no power? Are there no repercussions?
Consumer complaint received 2024-07-12
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 (AZ)

I received my daily pay deposit of {$99.00} @ XXXX XX/XX/XXXX I went to the front desk at XXXX XXXX XXXX to pay for my room at XXXX I ran my debit card, and the general manager said it was declined {$78.00}. 
I reviewed my Chime App and showed her that the transaction went through, the manager said that she did not get paid, so I would not get a room for the night. 
I called chime and spoke to a supervisor and explained what was going on. The supervisor was able to reverse the pending payment, so I could pay for the room. The general manager at the hotel ran the charge and it cleared. 

I was able to confirm that the orginal charge date for the payment that cleared on XX/XX/XXXX was from XX/XX/XXXX. 

I paid 2 x {$78.00} for 1 night stay at hotel