davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (CA)

I XXXX XXXX federally protected consumer have notified a third party debt collection agency called Ad Astra Recovery Services that they have infringed and are infringing on my right to privacy which is unalieable rights pursuant to UCC9-109. Please read the notice enclosed dated XX/XX/2022.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

On XX/XX/2022 I hand wrote and sent a letter to XXXXesurgent Capital services/LVNV funding, explaining to them after reviewing my credit report I see that they are reporting an account on my behalf and I have never done business with their company and that they are committing identity theft and violating my consumer rights to privacy pursuant to 15 USC 1681b 2. I clearly stated pursuant to 18 USC 8 I owe no debt and further more this company NEVER had my written permission to report anything using my information pursuant to 15 USC 1681 4, no authorization is considered IDENTITY THEFT. They proceeded to send me a letter saying they could not validate my claim and to send them information regarding my identity. They also provided a statement from XXXX XXXX XXXX  with my name and an address that I do not reside at. They provided no valid information i.e. my wet ink signature or my written permission as stated above. This is a demand to remove any info regarding myself from their system as well as cease reporting my information to the credit reporting agencies or legal action will ensue.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (PA)

Discover Card has revoked my account. When I was discussing the details with them today. They said that it was due to " failure to meet the minimum financial requirements '' when I asked what this meant they gave only a vague answer and said that it was permanent and irreversible. 

Firstly, they did not provide adequate notice that the account was going to be revoked nor provided an opportunity for me to fix the issue. They claim that " communication was sent in XXXX '' however, checking my month 's previous mail they did not provide any written notice via XXXX. There was a secured message on my Discover online account form XX/XX/year> however, Discover has locked the account and I can not read what the message says. 

Secondly, I contest exactly what they mean by " failure to meet the minimum financial obligations '' I entered into a repayment agreement with a credit consolidation company in XXXX and Discover rejected the agreement, again I was only given a vague reason. The purpose for entering into the agreement was to consolidate my credit and get lower interest. If Discover is interpreting entering into a repayment agreement, this as a failure to meet financial obligations then they are misunderstanding me. 

Also, I was a commissioned based salesperson who for a period of a couple months, received extremely low pay. I tried contacting Discover to apply for an emergency forbearance, again because they locked the secure message center on my account, and I couldn't provide my paystubs as proof of financial hardship. 

Also, Discover mishandled a fraud claim. I tried contacting a merchant who kept recurring billing me. When they would not respond, I contacted Discover get a new card issued so the merchant would quit billing it. Instead of reporting it as fraud, the Discover agent reported the card lost/stolen so the merchant was able to continue billing it.

Also, Discover called my parents for debt collection. This was a flagrant violation of my privacy.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (WA)

From XX/XX/2001 I have been contacted several times in regards to a debt I fully acknowledge from relocation expenses. I told the debt collector XXXX I would make payments immediately and they were to consecutively deduct funds from my account in the amount of XXXX dollars each month. On a recorded lined they promised the debt would never go to collections and hit my XXXX XXXX and they would never charge an interest fee. I appreciated them for them and repeated " thank you '' several times during our conversation. I mentioned to them they do not need to contact me anymore in regards to the debt since the funds will be taken out automatically each month. I advised them I am XXXX XXXX  XXXX veteran and the only income I have is my XXXX. They knew they were not supposed to touch the XXXX income but I told them it's fine, since it is my obligation to pay them back. Since XX/XX/2001 I have been faithfully making payments to them without missing a month. Several other attempts have been made by XXXX the representative of Caine and Weiner to call me after the agreement. I live in the XXXX and I don't receive mail. I have made this clear to the company too. They continue to send letters, phone calls and now have breached the agreement and verbal contract that the debt will not hit my credit. It has recently shown on my credit account as a XXXX XXXX XXXX. They stated over a dozen times " not to worry '' it will not go on your XXXX XXXX. I have been making payments with XXXX money and I have been doing the best I can to pay off this debt. When initially I was contacted by Caine and Weiner several years ago I told them I would be willing to write a XXXX dollar check immediately if they would work with me on the amount due. They refused the XXXX and stated they wanted a payment plan. I created a payment with XXXX and they saved my card on file all these years. Again, each month the card is paying off my debt slowly. It bothers me that they would go against the agreement and damage my credit. I am considering XXXX. I don't have the funds or the resources to pay the debt in full. we agreed to XXXX dollars a month and nothing would be impacted on my credit. However, that was a breach of contract and a misleading statement. Please remove the debt from the credit as I have kept my promise to pay. Why would they go against an agreement we set and it was recorded?
Consumer complaint received 2024-01-22
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: BARCLAYS BANK DELAWARE (TX)

This is regarding CFPB complaint XXXX. Due to be Barclay 's negligence and incorrect reporting in accordance with FCRA regulations, I have moved forward with getting an attorney to sue your company. Your response to the aforementioned complaint was that you sold the account and then repurchased it due to it being out of the statute of limitations according to the third-party vendor. The complaint in itself was to make you aware that it was obvious that this debt is uncollectible due to the statute of limitations, and you still have a balance of {$1100.00} reporting on a closed account that has been uncollectible since XXXX. In your complaint you stated that in XXXX, the account was recalled. Even still, the statute of limitations is 4 years in the state of Texas, and you are still reporting inaccurate data and trying to collect this alleged debt. This complaint is to make your XXXX aware that I will be seeking litigation due to your clear and obvious gross misconduct. Furthermore, there was never notice sent to me years ago that this account was being sold. I never received a 1099c form which is illegal, and I was informed be the IRS to file form 3949a for illegal tax violations. The following account XXXX should be removed from my credit report IMMEDIATELY. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617 and I will be moving forward with the filing of form XXXX  as advised.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (TX)

Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Hello, Over a XXXX ago, I reached out to XXXX  and XXXX to bring to their attention an issue with the calculation of the average interest rate on my Federal Student Loans. Unfortunately, it seems that my concerns have not been adequately addressed, leaving me without a satisfactory resolution. 

According to XXXX, my interest rate is stated as 5.1 %. However, my loan servicer, XXXX, has calculated my interest rate at 7.080 %, representing a significant difference of XXXX %. This disparity in interest rates can have a profound impact on both my monthly payment amount and the total interest accrued over the XXXX repayment period. 

To provide clarity, I have listed my loans and their respective interest rates below for your review. I am seeking your assistance in finding a resolution to this matter as it has far-reaching implications on my financial obligations and long-term plans. 

Below are the details of the loans : Federal unsubsidized loan : {$5600.00}, interest rate 4.29 % Federal unsubsidized loan : {$2100.00}, interest rate 5.05 % Federal unsubsidized loan : {$4700.00}, interest rate 3.76 % Federal unsubsidized loan : {$20000.00}, interest rate 6.08 % Federal unsubsidized loan : {$20000.00}, interest rate 4.30 % Federal subsidized loan : {$5500.00}, interest rate 4.29 % Federal subsidized loan : {$5500.00}, interest rate 3.76 % Federal subsidized loan : {$5500.00}, interest rate 5.05 % Graduate PLUS Loan : {$5500.00}, interest rate 7.08 % Graduate PLUS Loan : {$2600.00}, interest rate 7.08 % Graduate PLUS Loan : {$14000.00}, interest rate 5.30 % Based on the provided loan information, the calculated average interest rate is approximately 5.1 %, which is notably lower than the 7.08 % rate. The average interest rate was determined by considering the loan amounts and their corresponding interest rates, leading to an average value of ~5.1 %. 

Please note that this discrepancy in the calculated average interest rate indicates the importance of reviewing and reconciling the interest rates with the respective loan providers to ensure accurate and consistent information. 

I sincerely appreciate your attention to this issue and look forward to your guidance in resolving the discrepancy in interest rates on my Federal Student Loans. Thank you for your assistance in this important matter.
Consumer complaint received 2023-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Why isn't Equifax following the law under the Fair Credit Reporting Act that I'm protected under as a consumer? When validating debts a letter that is stating it is valid from the credit bureaus is not a legally tangible instrument of validation of the debts.

Equifax identifies itself as a consumer reporting agency UNDER 15 U.S.C. 1692g Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

I never received a letter of validation for the record at all and Equifax is responsible for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1692g Validation of debts D
ELETE THE FOLLOWING ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was infiltrated from somebody in Maryland. They added {$900.00} to my account tried to withdraw the money out a little bit at a time. I called and the fraud csr said they were cut off and whatever remaining funds in your account is currently your property. Maybe a week later, my account is hit return fee and multiple other fees. So I called back and a different fraud csr said it was a bad check that was written and do n't touch any of the money. I had already withdrew my funds from my account to pay my bills before I was informed this was a bad check transaction. As this result, my XXXX payroll checks went through and the bank kept the money and have been blowing me off since. I went to a branch twice and was told to call fraud department. I I have attempted a couple of times since then and have lost confidence in receiving the money I worked. Can you help me please?
Consumer complaint received 2023-01-13
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-01-13
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I never resided at the address shown on my credit report - XXXX XXXX XXXX XXXX XXXX, KS XXXX. 
Please remove from my credit report.
Consumer complaint received 2023-01-13
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid 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: DISCOVER BANK (WI)

I purchased tires from XXXX and also purchased the installation package ( to be completed by their technicians ) and road hazard with my Discover card. The next day on the way to my cabin I encountered turbulent handling and loud road noise. I took the vehichle to the local mechanic who said the tires had been inproperly installed and 2 had not even been weighted ... VERY dangerous. I spent a week going back and forth with XXXX and the very rude Manager at the location who advised me to " bring it back in '' obviously I could n't since it was over 200 miles away ... I had the shop make the corrections and rebalancing which I paid for with my Discover card also. 

I contact Discover to file the dispute and they have been unprofessional, unresponsive and yesterday forwarded me a notice saying the charge was valid and attached a reciept from XXXX with my signature ... DUH!!!!!!!!!!!!!!!!! The issue IS NOT my card was used fraudulently, it is that the services I received were unsatisfactory and quite frankly life endangering. Discover did not handle this properly and I will not pay this charge.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

The account in question is a XXXX XXXX XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of XXXX. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last 4 of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the 7 payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this one check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!