davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Recovery Solutions Group, LLC (FL)

Breach of Contract : XXXX XXXX XXXX Due to the lack of proper care and overall lack of industry standard cleanliness of the XXXX facility and stalls, XXXX XXXX  Manager was given written notice via Email on XX/XX/XXXX informing her that BFF horses would be removed from the facility immediately due Breach of Boarding Agreement and the overall wellbeing of the horses, and items listed below. The horses were removed XXXX XXXX XXXX. Items of Breach of Agreement are documented in writing and photo, and not limited to include ; 1. Stalls were NOT PROPERLY CLEANED DAILY OR CLEANED AT ALL, as advertised they would be in the Boarding Agreement ( excluding Sunday ). Some days, late in the afternoon, the stalls were still dirty from the previous day. Forcing the horses to stand in dirty stalls for well over 30+ hours.

2. Horses WERE NOT FED PROPERLY as agreed upon with Trainer. ( less than poor quality and amounts of hay ) 3. Horses were held outside in a pen WITHOUT WATER for hours during the day.

4. Facility was Not KEPT IN A SAFE AND CLEAN MANNER as per industry standard.

You were notified of these deficiencies well in advance, however no acknowledgement or action was taken until the DAY OUR HORSES WERE REMOVED FROM THE FACILTY. A BLAST EMAIL WAS SENT TO ALL CUSTOMERS OF THE IMPOVEMENTS TO BE DONE AS PER OUR EXACT COMPLAINT LIST. Sent to all customers of XXXX ; However this was in fact too little too late. We removed our horses for their safety and wellbeing prior to this email the same day. 

This attempt to cover up the neglect was effectively way too late and acknowledges your willingness and in agreement that you were in FACT IN BREACH OF YOUR OWN CONTRACT. 

XXXX XXXX XXXX has no choice but to demand a complete refund of our payments for XXXX from XXXX, XXXX to XX/XX/XXXX. Totaling {$4000.00}. Invoice attached. 

We also are in contact with the Federal Trade Commission due to your illicit actions of hiring a Debt Collection Agency to Harass the teenage girl who was training the horses while at your facility, for payment of a few days of boarding, not owed. 

The Collection agency was notified that the invoice you sent them is disputed and not legitimate, they were told to contact our Attorney and they have not, however they are now sending a settlement offer directly from you to compromise the illegitimate invoice you fraudulently provided them with originally. This is nothing less than extortion. The Collection Agency is being reported to the CFPB as well as the XXXX. 

You are hereby notified to Cease and Deist this illicit harassment of our Trainer. 

Attached find invoice for Boarding paid to XXXX to be refunded to XXXX XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (MA)

XXXX XXXX account XXXX has violated my rights under 15 U.S.C 1681 S602 A : I have the right to privacy 15 U.S.C 1681 S604 A S2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing 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 2024-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (KY)

Re : Aldous and Associates acct : XXXX, opened XX/XX/2020, highest balance {$100.00} Regarding Fair Debt Collection Practices Act Violation Dear CFPB, I am writing to file a complaint against Aldous and Associates for violating the Fair Debt Collection Practices Act ( FDCPA ). 
These debt collectors placed a collection items on my credit report without providing me with the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they did not give me a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

These actions constitute deceptive means of debt collection as they furnished information to credit reporting agencies without proper disclosure, in violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-5 2 ( 7 ) ( a ).

I request that the CFPB investigate this matter and take appropriate action against the debt collector. Due to investigation I am also requesting debt validation information from the collection agency, including : * An explanation of the alleged account balance * A complete breakdown of the account balance, including a payment history * Documentation of my agreement to pay the debt ( including signature ) * Documentation of my permission to report the debt on my credit report * A copy of the purchase agreement that grants them the right to collect * A copy of their state license number authorizing them to collect in your state * Chain of custody documentation for the debt I have not provided any consent to the collection agency, and using my social security number without my permission may be considered identity theft. I have report them to the appropriate authorities, they fail to provide the requested information. Due to investigation purposes, I ask that the above collectors do not reach out to me in no form of communication, through text/phone/emails. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-05-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony didn't credit my account for the correct amount, so my total amount owed was more than what i paid for my zero percent interest promotion. Because of this the deferred interest was added to the total. This shouldnt have happened and has racked up additional interest charges. I have disputed the deferred interest, but synchrony isnt helping me. I have called multiple times with no help. When I call the customer service acknowledge they made the error and submit a dispute, but nothing seems to be resolved.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (AR)

On my credit report I have a alleged debit for national credit adjustors from check into cash loan by phone. And I have already requested that I be provided with original documents that would validate that the debit is mine. And if it was made over a phone call then there is no way possible to say I even made it that makes no sense and the name on the debit is not even the name I use that is connected to my social security number. I keep disputing this debit and XXXX  is not removing it even though it has never been validated. I asked to see a signed contract that I made for this debit and I was never provided one. There is no way for them to even prove this debit is mine and worst thing is according to them it was originally made by phone. This has fraud written all over it and experian is not doing a fair investigation of this cause when I asked for it to be validated they had 30 days to do so which never happened which means this has to be removed and experian is now violating laws
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is currently showing 30 days late for the month of XX/XX/2022 as reported in 3 Credit bureaus. I have read enough to understand my rights. The late history should not be showing late. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (DE)

On XX/XX/24 I rented a vehicle from XXXX. I discussed with the representative at that time that I may need the vehicle longer depending on when my vehicle repair was complete. The representative said that it would be fine, just give them a call. I called them every day multiple times a day for 4 days straight and no one answered. I stopped by the office and they were closed. On Wednesday XX/XX/24 I was finally able to get through to their headquarters who told me there was {$400.00} worth of late fees on the account. I explained the situation and he said I would need to speak to the branch to have them removed. 

On Friday XX/XX/XXXX I was finally able to reach someone in the local office and that representative told me the weekly rate would be {$240.00}. She told me her manager was not there but she would remove the late fees. She also told me that it would be cheaper to return the vehicle on the following Monday so that I would be charged the weekly rate of {$240.00}. She said if I brought the vehicle back that day, I would have to pay the late fees and the daily rate. I kept the rental until Monday XX/XX/XXXX. When I returned it, she stated her manager was still not there to remove the late fees and would be back the next morning. 

The next morning XX/XX/24 my card was charged {$690.00}. I called the office several times back to back before someone answered. I spoke with the manager and she told me my rate was not guaranteed. She said the weekly rate on Friday was {$240.00} and there was no guarantee it would be the same today. I spoke to the district manager and she said the representatives were not required to disclose the rates not being guaranteed or the late fees for keeping the vehicle longer. I submitted a complaint with the company, they responded weeks later saying their volume was too high to respond to me. 

I disputed the transaction on XX/XX/24 with Discover and they denied the dispute because they said XXXX provided documentation that they were justified in charging me that amount. The only document they provided with my signature is the initial agreement showing an estimate of {$190.00}. The final amount charged was not the amount we discussed and I did not authorize that amount.
Consumer complaint received 2024-07-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Americas Car-Mart, Inc. (AR)

I found myself in need of a car in XXXX of XXXX, I stated plainly to my dealership that I wanted to pay as little as possible for the vehicle as I did n't drive very much and that I didn't want any extras on the contract as I was capable of locating my own service. At this time I have been paying for the car for a year and have encountered numerous difficulties and frustrations while interacting with Americas Car Mart. While attempting re-finance today ; looking at the contracts which I was pressured to sign quickly because they were extremely short-staffed that day ( they remain short staffed as of 1 year later ), I see that I am enrolled for MANY extras including a service contract. 

Additionally, When I am behind by just 1 day ( payments expected each pay day, bi-weekly ) they begin to call me three times a day on my personal number. I recorded upwards of 35 instances of this. If you do not answer the phone they employ mob-like intimidation tactics including coming to your home to ask when you can pay. I have intentionally skipped a couple of payments to see how far their tactics will go and they began calling numbers provided as references during purchase process. They are doing exactly the same kind of business as XXXX was, taking advantage of disadvantaged and poorly educated buyers through the creation of false-stress. 

Further, I've been told by multiple re-finance companies that they can't help me with Americas Car-Mart specifically because they take steps to intentionally complicate the refi process. 

Buying a car does not have to be like this. It should not be like this. Car Mart is Not Consumer Friendly and I believe that they are breaking several consumer protection regulations. 

They're also manipulating XXXX review results. They solicit five stars for your agent and run that as a contest so your agent gets a small bonus. I uploaded a picture of how many calls I had received in a weeks time from carmart as part of a follow up review and the image has been removed from public view. thankfully it can still sort of be seen in my screenshot of the review.
Consumer complaint received 2024-07-18
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: Self Financial Inc. (GA)

I am submitting this to formally request the removal of this account from my credit report. The account in question is negatively impacting my credit score and financial opportunities. 
SELF/XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (OK)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. 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 2024-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. ()

Hello I have a blockchain account that currently has {$13000.00} USD in it and blockchain are refusing any method to withdraw that money including putting that money back into the XXXX so I can transfer it elsewhere. They refuse to tell me why they won't let me withdraw it. Blockchain.com is the site and my username is XXXX. 

I have asked repeatedly for an explanation and they have further locked down my account preventing me from moving the funds or withdrawing them. 

From looking into it seems this is not unique and blockchain.com seem to do everything they can to avoid paying what is owed. 

Please assist me in recovering my money. Thanks.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (NJ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-07-12
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: WELLS FARGO & COMPANY (CA)

Wells Fargo first asked for the proof included inside the email, then they denied me. Then they asked for the proof to be attached as a PDF, then they denied me. Then I did a complaint against them in XXXX review and got a response from their XXXX saying this : Claim XXXX was filed on XX/XX/year>, regarding a transaction for the merchant XXXX totaling {$99.00} that posted to your account on XX/XX/year>. Based on the information provided, our Claims Assistance center investigated this dispute. Our Claims Assistance Center determined no errors were found involving these transactions. 

Due to out Claims Assistance Center not receiving the information that they requested from you, the decision was based on the information that was available. While we understand provisional credit was initially received at the time when the claim was filed, based on the Claims Assistance Center research the provisional credit was reversed on XX/XX/year>. Therefore, as of XX/XX/year>, your claim was closed without pay. Upon completing our investigation, we agree with the decision previously communicated to you by our Claims Assistance department. Therefore, the claim will remain closed and unpaid. 

I GAVE THEM AMPLE PROOF ALL THE PROOF ( TWICE ) SHOWING THE DUPLICATE CHARGE AND THEY ARE GOING TO LET XXXX XXXX  GET AWAY WITH FRAUD. 

I need help getting my {$99.00} back please, this is very stressful and is causing me several health issues, I currently am looking for part time work and every dollar counts. 

Thank you so very much in advance.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (SC)

I've contacted kickoff several times and no resolution they refuse to remove these 2 accounts that are not mine and never given type of consent for any account to open in my name I did a police report and ftc report to report these fraudulent accounts I'm constantly dispute this account because it not mine I think that identity theft is a serious situation and the fact that i been battling this for months and this so ridiculous. I'm a victim of identity theft and taking the necessary step to report it but what happen when you submit documentation and still no resolution. IM REQUESTING ALL DOCUMENTATION SIGN THAT CONSENT TO ANY KICKOFF ACCOUNNT BEING OPEN IN MY NAME WITH ME GIVING THAT CONSENT I HAVENT RECEIVED THAT YET
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc (TX)

I originally filed a dispute with XXXX and XXXX to remove a debt account that was not mine as well as remove the address associated with the debt. It was ultimately removed from my XXXX report. I contacted Possible by phone on XX/XX/year>, and they could not find any information by my name, or account number. I sent multiple letters to the debt collector Possible Finance on XX/XX/year>, by XXXX and by certified mail on XX/XX/year>, requesting proof of debt, but did not receive a response. The return receipt tracking # shows this company 's mail is being forwarded to another address. Subsequently, I again contacted the credit bureau XXXX on XX/XX/year>, and they opened another dispute on my behalf and also flagged the address reported by the debt collector as fraud. I believe this is fraud, I need documentation to properly move forward with a report of fraud with my local authorities. This is affecting my credit report. 

Timeline of events : - Date of initial letter sent to debt collector requesting proof of debt : XX/XX/year> - Date of attempted contact with debt collector : XX/XX/year> - Date of discovery of open dispute with credit bureau : XXXX and XX/XX/year> - Date of credit bureau flagging address reported by debt collector as fraud : XX/XX/year> and informed me to file a fraud/ identity report. 

Actions taken : XXXX. Sent letter to debt collector requesting proof of debt. 
XXXX. Contacted credit bureau about my efforts regarding the debt, open dispute, fraud flag.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

According to federal law, as a consumer I AM ABLE TO OPT OUT OF sharing my nonpublic personal information and Macys must give me that option. Macys failed to do so. Macys CBNA Credit Card Agreement wasn't clear, concise, or reasonable for me to understand. There is no such law that states anything needs to be reported to anyone. Congress declared that consumer reporting agencies have ASSUMED their roles.

15 USC 1681 SECTION 602 A. States I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish an account without MY WRITTEN INSTRUCTIONS.

15 USC 6801 Protection of non-public personal information States each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information Confidentiality : The legal and ethical duty to keep certain information secret and not disclose it to others without proper authorization. Confidentiality is a fundamental principle in various areas of law, especially consumer transactions. Breach of confidentiality can result in legal consequences and is governed by specific laws and regulations. The obligation to maintain confidentiality is critical to preserving privacy and trust in professional relationships and business transactions.

Furthermore this account is incomplete, inaccurate, and missing data which further violates the FCRA.