davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (CO)

On XX/XX/XXXX I tried to purchase a XXXX XXXX card due to a promotion offering a bonus {$5.00} XXXX XXXX card with the purchase of a {$25.00} XXXX XXXX card. I tried to purchase several times and immediately after each purchase my order was automatically cancelled. 

Here is a list of my cancelled orders : Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$5.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$5.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD I called the XXXX customer service number listed in the order cancellation emails on XX/XX/XXXX to see if I can get unblocked from orders. They are not able to do anything and only able to tell me what is already listed in the email. 

I would like to be removed from whatever block that is preventing me from completing an order and be able to purchase a {$25.00} XXXX XXXX card whenever there is a future promotional offer.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (IA)

Here is a summary of the situation and the additional information : 1. Submitted initial disputes to XXXX XXXX concerning unauthorized activities on my account. 
2. Engaged in multiple follow-up correspondences with XXXX XXXX XXXX emphasizing my request for rectification. 
3. Instead of offering a resolution, XXXX XXXX has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 
4. I also want to bring to your attention that Attorney XXXX XXXX provided XXXX XXXX with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided XXXX XXXX with the essential information needed to expedite the investigation and resolve the disputes promptly.
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Collection Partners, Inc. (IL)

I received notification of alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Credit Collection Partners. I contacted the law office on XX/XX/23 at XXXXXXXX XXXX and spoke with the receptionist. She advised that I would need to reach out to the hospital. I told her that I have been arguing with the hospital of the validity of the debt due to numerous billing issues with the hospital continuously billing the incorrect insurance. That all I wanted was a detailed billing statement showing 1. what was billed. 2. the insurance company billed 3. how the payment was allocated. My insurance has some items that are covered 100 % even if I have a deductible. The receptionist told me that someone would call me back as they currently had no access to my information. I contacted the hospital and the woman 's response in billing was to contact my insurance company for an explanation of benefits. A few days later the collection company mailed me a printed out report that was not legible to the normal non-medical person. I called back on XX/XX/23 @ XXXX and spoke to someone in the office who did not care to listen to what I was explaining to her. That the information was not what I had requested. On XX/XX/XXXX I received notice to appear in court on XX/XX/XXXX. When I went to court the attorney for the collection agency was advised that proof of the valid debt had not been given. I advised the attorney that I pay my bills. That I had been continually been given the run around by the hospital and the collection agency about giving me the information that I had requested so that I can validate the debt. I was given the business card of XXXX XXXX to contact on behalf of the collection agency. I emailed XXXX on XX/XX/XXXX. I explained to her that I have been asking for the information to verify the debt and my responsibility of it. XX/XX/XXXX I received a response from XXXX that her advice to me at this point was to ask for a bench trial. On XX/XX/XXXX I received notice in the mail from the collection agency that I was receiving a notice of hearing on XX/XX/XXXX. The total of the debt is {$700.00}. I have jumped through many hoops to try and get verification of information and have not received what I have requested. Had the information been provided upfront this all could have been avoided. At this time I feel they are trying to sue to add on extra fee 's which is ridiculous.
Consumer complaint received 2017-03-09
Product: Debt collection — Auto
Issue: False statements or representation — Indicated committed crime not paying
Company: ALLY FINANCIAL INC. (FL)

Vehicle payment is past due. XXXX was contracted by lender, Ally Financial, to repossess the vehicle. Unable to locate the vehicle for repossession, " investigator XXXX '', an agent of XXXX, identified himself as law enforcement, made false statements about imprisonment and crimial charges to myself, my husband, and to elderly third parties at my home address. " Investigator XXXX '' also called the elderly family members on their personal cell phone and made additional threats of imprisonment and XXXX. XXXX working for Ally Financial have threatened imprisonment, have harrassed myself and family members at home, telephone harrassment, and impersonated law enforcement. Ally Financial and XXXX have violated The Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( CCPA ).
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (OR)

I was prescribed a XXXX machine by XXXX XXXX in late XXXX to address XXXX XXXX. After making dietary changes, my doctor and I determined the XXXX machine was no longer needed and could be returned. During the XXXX period I had the XXXX  device, I received and paid several bills thru my bill-pay service. I returned the device to XXXX on or around XX/XX/XXXX. I received additional bills in XXXX and XXXX of XXXX, and promptly paid those. I have evidence of payment ( screenshots of the billpay history ). I received untimely additional bills from XXXX for the XXXX machine in XXXX and XXXX of XXXX, which I also paid. I also contacted XXXX to question why I was receiving these bills so late, and they explained this was due to billing issues, and they stated verbally that these were the last bills and we agreed on a final payment amount. Then, in XX/XX/XXXX I received an additional bill for {$76.00} from XXXX after the matter was settled. I refused to pay this, and XXXX sent the bill to a collections agency, which researched this and sent me a letter stating the matter was closed. Beginning in XX/XX/XXXX I began receiving payment demands from ARStrat, and I responded in writing that the matter was closed, but they continue to pursue collection.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (TN)

I have sent them my updated credit report which was investigated by XXXX that the apartments had fraudulent activity going on and I did not owe it has been removed but XXXX will not remove so me and my kids can have home again
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Please see attached file with all the documentation and explanations. 
I am sure both Lowes and Synchrony will know who I am so my name and address info is included in the attached file. 

All these transactions were apparently conducted at the XXXX Lowes store without my presence or credit card. What Lowes employee created and processed these transactions using my Lowes credit card without my authorization, knowledge, approval, my actual credit card or my presence? 

The {$200.00} additional charge for stucco work was fraud because my house does not have stucco. 

The {$100.00} credit is reimbursement for the caulking that I had to do because the installer lied and said it was extra even though it was included in my total cost of {$1200.00}.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

I am writing to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX, Stillman Law Office, and XXXX XXXX XXXX for their handling of an alleged debt. I believe their actions constitute multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

Lack of Debt Validation ( Violation of FDCPA 809 ( a ) ) : In or prior to XX/XX/ XXXX XXXX XXXX XXXX sold an alleged delinquent debt to XXXXXXXX XXXX, who then referred it to XXXX XXXX XXXX. Despite my repeated requests for validation of this debt in XXXX, XXXX, and XX/XX/, including specific requests for the cardmember agreement and proof of debt reassignment, XXXX XXXX XXXX failed to provide sufficient documentation. Instead, they repeatedly sent a 2-page copy of a bill, which does not satisfy the requirements for debt validation under the FDCPA. 

Multiple Collection Attempts for Unvalidated Debt : Despite the lack of proper validation, XXXX XXXX continued to engage in collection activities through credit reporting and other means. Furthermore, another collection agency, XXXX XXXX XXXX, also attempted to collect the same debt. This was followed by Stillman Law Office making a new collection attempt in XX/XX/XXXX XXXXXXXX All these attempts were made without providing the necessary validation documentation. 

Repeated Sending of Insufficient Information : XXXX XXXX XXXX repeatedly sent the same insufficient bill copy in response to my validation requests, which demonstrates a disregard for their obligation to provide comprehensive debt validation as per the FDCPA. 

Reporting to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX continuous reporting of this debt to credit agencies without providing validation is concerning and potentially violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

In light of these issues, I request the CFPB to investigate this matter and take appropriate action against XXXX XXXX, XXXX XXXX XXXX, Stillman Law Office, and XXXX XXXX XXXX for their non-compliant debt collection practices. I am seeking a complete cessation of all collection attempts until proper validation is provided and any incorrect credit reporting to be rectified. 

Enclosed are copies of all correspondence with the aforementioned agencies, along with records of my requests for debt validation and their insufficient responses. 

Thank you for your attention to this matter. I am looking forward to your prompt response and assistance.
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: SYNCHRONY FINANCIAL (TX)

Upon reviewing my consumer report, I notice several accounts that Synchrony Bank is reporting without obtaining my written consent. The following accounts did not had a certified document explicitly stating the permissible purpose for obtaining or using my consumer report : XXXX 's account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, and XXXX XXXX account ending in XXXX. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have included an advisory opinion from the Consumer Financial Protection Bureau, which outlines specific obligations for consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).
Consumer complaint received 2023-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (NY)

Received an XXXX report today dated XX/XX/XXXX  & verified as accurate. Shows a XXXX payment of {$1100.00} but a scheduled payment amount of {$1200.00}!! Also shows a terms Duration of 30 months! 
Fay REFUSES to provide me with accurate account information sent to my address. I was NEVER notified of an increase in the monthly payment. I have NO POSSIBLE WAY TO MANAGE THIS ACCOUNT WITHOUT FULL DISCLOSURE OF ACCOUNT INFORMATION!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA (NJ)

Hyundai has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy. 
Hyundai is a XXXX company, For XXXX XXXX years, I was with them, the Hyundai finance XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation. 
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies. 

Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX  can attest to these facts that I paid all my loans. 

This is my last recourse because Hyundai finance XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people. 
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX Hyundai Finance Company has been to many of us.
Consumer complaint received 2023-12-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OR)

On XX/XX/XXXX I went to ATM location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX. I request withdraw in the amount of {$1000.00} USD from machine. An error message appeared only momentarily and said hardware malfunction error -- your cash has been retracted. The money dispenser never opened and I never received money that I requested yet the ATM still debit my card this entire amount of money leaving me in a desperate financial situation, causing both emotional distress and physical distress, I have not showered in a week, I can't pay bills or even buy simple daily essentials to survive on. Nearly my whole benefit deposit is gone. Ok so first thing I do is go into the bank next day during opening hours. They absolutely do nothing for me, they tell me to go call the number on the back of my debit card and file a dispute ( with ) XXXX XXXX. I go ahead and do so but still over a week later neither XXXXXXXX XXXX nor XXXX XXXX has refunded my account. I call XXXX XXXX daily and there is absolutely no updates for me. I have repeatedly asked for a provisional credit to be applied to my account and they continue to draw this out as long as they can. My claims are not being taken seriously, there is a great deal of lack of urgency as this is not a small amount of money, this is a {$1000.00}. This is not ok.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I, XXXX XXXX, had an active account with USAA, which I had for several years with no problems. Approximately around XX/XX/XXXX-XX/XX/2015, I alerted USAA of fraudulent activity on my account. This was the result of me losing my bank card and it was being used in another state. I am a XXXX veteran with memory loss which I have to write pin numbers on the back of my cards to avoid forgetting. I personally advised USAA that monies was taken out and deposited into my account fraudulently. At this time XXXX of my children 's accounts were linked to mine. All XXXX accounts were frozen which caused a financial hardship on my household. After an investigation was completed, my children 's accounts were released but as for mine, I was advised that it was thought that I had knowledge of the fraudulent activities and was no longer allowed to have an account with USAA again. I do not agree with this decision considering I am the one that advised of the activities. I live in Alabama and the activities occurred in XXXX ( I believe ), how in XXXX world could I, would I partake in such a crime. I am a Veteran with morals and character of an upstanding citizen of the US. I respect whatever decision was made although I do n't not agree. I opened an account with XXXX XXXX XXXX XXXX which I ca n't utilize due to to a restriction from USAA. Please allow me access to a new account. thank you for your time and consideration
Consumer complaint received 2023-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The following company, XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I do not have any financial obligations with this company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company are considered fraud as no authorization has been provided to this company to furnish any information into my credit profile... 

Experian Credit agency has not completed an investigation into this matter to validate any claimed relationship that I have with this company.
Consumer complaint received 2023-12-12
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: ENOVA INTERNATIONAL, INC. (LA)

Took out approved {$1600.00} loan XX/XX/XXXX with netcredit, deposited XX/XX/XXXX. Made 3 : ontime payments each {$89.00} and change. Decided to pay off loan today XX/XX/XXXX. Went to netcredit website, copied down principal amount {$1500.00} and change. Called NetCredit but had to pay {$1600.00}.