davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (FL)

Victoria Secret Card through Comenity Bank. 

The payment of {$72.00} was due on XXXX. However, due to wrong password, I was locked out of online portal to make a payment on XXXX and XXXX. In order to reset the password, I needed the physical card which I couldn't locate. I located the card on XXXX, reset the password and made the full payment. 

However, Comenity bank went ahead and charged {$29.00} late fee on XXXX and {$2.00} Fin Charge on XXXX which I got to know when I received the next statement. When I called them and explained the situation, they refused to remove the charges ; despite the fact that their record shows wrong attempts, lock out and reset. 

Eventually the account started accruing late fees and finance charges on XXXX ( XXXX ) balance of actual purchase/principal. As of now, the account has 5 late fees and 5 finance charges ( equal to {$180.00} ). All of this is late fee and interest as payment was late by a day. Meanwhile I have been getting multiple daily calls ( from different area-codes and once from an unknown number ), and text messages. 

Additionally, they kept reporting this to credit bureau which has damaged my score extensively. It went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. It has made my attempt to draw first mortgage on my house so I can float my XXXX XXXX virtually impossible. 

While people are struggling to pay for basic needs in this COVID mess, this usury practice for one day of delayed payment has led to situation where I can't borrow money to keep my XXXX XXXX going which supports 10-12 employees. 

I'd request VS/Comenity Bank to reverse the charges, delete the credit line and correct the reporting to credit bureaus immediately.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (TX)

After dealing with XXXX XXXX XXXX, who violated the FDCPA by contacting me even though I have active cease and desist. I have received another letter on their behalf from scott and associates and this is causing me a great deal of unwanted stress and XXXX and I am going to take legal action against XXXX XXXX and Scott and Associates if this is not resolved. 

I am writing in response to your recent communication regarding an alleged debt that you claim I owe. I would like to inform you that I do not believe this debt is mine, and I am seeking detailed written verification to substantiate your claim. 

As per the Fair Debt Collection Practices Act ( FDCPA ) under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of the debt in question. It is important to note that I am not questioning the validity of your agency, but rather seeking proof of the debt 's validity and its association with me. 

To proceed with the resolution of this matter, I kindly request that you provide the following information : XXXX. The full amount of the alleged debt, including any interest or fees being claimed. 
XXXX. The name and contact information of the original creditor. 
XXXX. Details of the original creditor 's agreement or contract with myself. 
XXXX. Copies of any documents or statements proving that I am responsible for this debt. 
XXXX. Any other relevant information or documentation that supports your claim. 

I would appreciate receiving the above-mentioned information within 30 days from the date of this letter. If you are unable to provide the requested documentation within this time frame, I kindly ask that you cease all collection efforts and remove any negative reporting from my credit file until the requested information is provided. 

Please note that my request for verification of this debt does not imply any admission of liability. It is essential for me to understand the nature of the debt and its association with my financial history. 

I prefer to communicate in writing to ensure accuracy and to maintain a record of all correspondence regarding this matter. Any future communication regarding this debt should be sent to the address provided above. 

Thank you for your prompt attention to this matter. I trust that you will handle this request in accordance with the FDCPA and provide the necessary documentation to validate the alleged debt. 

This is absolutely absurd and I will take this to the media and the authorities.
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

Are you committing securities fraud? 
Can you close the account without my consent? 
Can you report a late charge on a closed account? 
Why did you report a late payment on a closed account? 
Did I give you consent to close said account? 
Can you provide this?
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (FL)

I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/XXXX, XXXX and XXXX, I received a text message from Sunrise Credit Services , Inc. Stating that they are debt collection agency. I never heard of them neither owe any debt. I am hesitant to click unknown text messages, but I did in this case. It takes me to this website https : //payment.sunrisecreditservices.com/ and a SCS Account number is prepopulated in the box. I do not have an account with this agency at all. 

I submit the account number and it tasks me to enter my zipcode to login. I submit my zipcode and the message states that it does not match their records and to call the number XXXX. I did not out of fear of it being a scam. I am under the assumption that I am victim of identity theft which did occur to me when I used XXXX and I had to receive new credit cards. 

I was also contacted by Sunrise on XX/XX/XXXX. I did answer the call, but no one responded and I hung up. 

I researched reviews on XXXX and it seems that I was not the only one experiencing being falsely accused of owing debt. XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-06-13
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX, XXXX XXXXBalance : {$0.00}, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following accounts are listed as charge offs and or do not belong to me and the company has yet to verify and correct this information. 

XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX BANK Account number XXXX XXXX CARD SERVICES Account number XXXX XXXX XXXX BANK XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXXX 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written consent. I have never consented to any information being published.

I did not receive any 1099-C cancellation of debt forms for ANY of the listed accounts. Which means now this information is inaccurate on my report and needs to be removed. I am also seeking monetary relief for these errors most importantly this has harmed my chances of obtaining personal and business credit to provide for my newborn child. These accounts have been reported incorrectly even after my latest disputes of all of the same items from XX/XX/year> with the agency.
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX I sold an XXXX XXXX XXXX on XXXX XXXX. The buyer wanted to pay me via Venmo. I never had a Venmo so I downloaded the app and opened an account. It went smoothly and I verified my account and added a debit card. The next day I met the buyer and she sent {$650.00} to my Venmo. I went home and tried to transfer the funds to my bank. I got a system error and then I received an email stating my account has been suspended. They say its because of fraudulent activity but they will not tell me what. This was the first time Ive used the app. Two days later on XX/XX/XXXX I got an email stating my services with Venmo are terminated. They still wont tell me why and then email states the funds in my account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. That statement is very misleading. Also I need my funds now as I am unemployed and have kids to feed. I didnt do anything wrong. Also if you XXXX this issue it has happened to a lot of people and no one has ever received their funds after the 180 days. All I want is for my funds to be released and to close my account. I will never use Venmo again.
Consumer complaint received 2024-05-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GFS II, LLC (GA)

Gateway financials since XX/XX/2024, has not complied with the 15 US code 1681s ( a ) ( b ). the account furnished on my consumer report with all three consumer reporting agencies has been disputed with the appropriate documentation stating, " the transaction acquired I didn't have knowledge of '' plus my I.D . verification and an FTC identity theft report. this company has by law must cease furnishment of this debt information to all consumer reporting agencies until given consent from me or has undeniable information to prove that I received the goods and/or services. this information can not be any information used to furnish the account on my consumer report before the identity theft claim.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

American Express denied my, the consumer 's, application for credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My signature on the application makes it a negotiable instrument and makes me a silent investor in the corporation. Denying me access to my credit yet securitizing my instrument for the financial gain and benefit of the American Express Corporation and its subsidiaries is illegal and securities fraud. Since my applications were denied, I demanded the authoritative copies of my application be returned to me. I have yet to receive them. In accordance with 15 U.S. Code 1691c - Administrative enforcement ( a ) Enforcing agencies Subject to subtitle B of the Consumer Protection Financial Protection Act of 2010 [ 1 ] with [ 2 ] the requirements imposed under this subchapter shall be enforced under : ( 1 ) section 8 of the Federal Deposit Insurance Act [ 12 U.S.C. 1818 ], by the appropriate Federal banking agency, as defined in section 3 ( q ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( q ) ), with respect to ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks; ( 7 ) The Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to brokers and dealers ; ( 9 ) Subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau, with respect to any person subject to this subchapter.

The terms used in paragraph ( 1 ) that are not defined in this subchapter or otherwise defined in section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in section 1 ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ).

Per the Electronic Funds Transfer Act, 15 USC 1693, it is a given that my original applications can not be returned to me as they have been, and are currently being, securitized.
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I had received what I believed to be a generic, private loan from XXXX XXXX to complete my XXXX XXXX XXXX degree at XXXX XXXX XXXX XXXX in XXXX XXXX, California. Since then I have gone through many life changes and had struggled with my health and attempting to move forward with my career. After failing to sustain a living with my health interfering in living a productive life, I decided to apply for XXXX with the federal loan program XXXX. Once I received a federal XXXX approval, I proceeded to apply for the same request with my XXXX private loans : XXXX XXXX and Navient ( who had purchased my loan from XXXX XXXX ). XXXX XXXX approved my request, while Navient forwarded the request to a company called XXXX for review. Despite the federal approval and re-confirmation of my doctor certifying me as XXXX, Navient dragged on the process of reviewing my application. After 8 months of back and forth and following their request for notes and answered questions, I received a letter which can only be assumed as a denial of my XXXX request. There was no instructions on how to proceed, and no clarification of what they were basing their statements on. Their statements also contradicted themselves and made little sense. Navient and XXXX are sending me with inconsistent information from one to the other. They are being completely unreasonable on the standard for discharge and the delays throughout the review, during which interest has continued to inflate. I ca n't work enough to support myself and they are not being compassionate or realistic about my ability to use the degree that I borrowed the money for. I have a difficult time with my XXXX and I am scared to argue the points alone. I have found some legal help through the county services, but there seems to be little hope in this uphill battle.
Consumer complaint received 2024-03-12
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: DISCOVER BANK (VA)

On XX/XX/XXXX myself and XXXX of us went to XXXX XXXX. My friend was harassed, and it verbally attacked by one of the associates. I brought it to the attention of the manager and we did switch service people. Came back again and made comments about my friend. I reached out to the manager again and said just put everything in a bag and were gon na leave because my friend felt embarrassed and refused to come back inside at no point did he do anything to warrant treatment. I reached out to XXXX on XX/XX/XXXX left a voicemail no response. I reached out to XXXX twice today on XX/XX/XXXX. I did hear from someone today and they said theyre going to just look into it, I contacted Discover card and I asked him to dispute the transaction due to the bad service. I spoke with a very rude representative XXXX, who refused to do anything in an extra her manager XXXX, who refused to do anything I want to file a complaint against Discover card for failure to honored a fair credit, reporting act under disputes and not providing service.
Consumer complaint received 2024-05-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection practices of GENESIS CRDT. I believe that their actions have violated several laws and regulations, including those outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Under 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or mislead
ing representations. However, GENESIS CRDT has repeatedly prov

ided inaccurate information and made misleading statements regarding the debt I dont owe.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I ha
ve not received any such notification from GENESIS CRDT, which is a clear violation of this regulation.

Additionally, under 12 CFR 1006.34 ( d ), debt collectors are prohibited from engaging in unfair practices. GENESIS CRDT has employed aggressive and harassing tactics in their attempts to collect the debt, which

I believe constitutes unfair practices. Lastly, under 15 USC 1681-s 2 ( 7 ) ( A ), debt collectors are required to provide accurate and complete informa
tion to credit reporting agencies. However, GENESIS CRDT has inaccurately reported information about my debt, which has negatively impacted my credit score. 

I am requesting that GENESIS CRDT provides me with the purchase agreement between them and the original creditor, I will also need GENESIS CRDT to furnish proof that theyre licensed to collect a debt in state of Texas .

I request that the Consumer Financial Protection Bureau investigate the actions of GENESIS CRDT and take appropriate action to ensure they comply with the laws and regulations governing debt collection practices. I also request that any incorrect information reported to credit agencies be removed immediately. 


Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

XX/XX/XXXX attempt to contact treasury dept. debt shows as student loan. No response to automated vm system. No return call. Sent letter to treasury listed on XXXX. No statement from treasury no proof of debt. Disputed to credit agency responded debtor states valid. No proof of debt. Associated it with possible identity theft due to home burglary. 

XX/XX/XXXX received correspondence in mail from CBE group identified themselves as treasury collection agency. I disputed debt again. They stated debt was associated with Bankruptcy trustee. Bankruptcy records fully XXXX XXXX  XXXX business reorganization completed XX/XX/XXXX. 

CBE stated ordered proof of debt from Treasury by XXXX XXXX but not yet returned. XX/XX/XXXX spoke with CBE rep XXXX XXXX state no proof of debt received and confirmed my verbal and written dispute of denying the validity of debt on file.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I'm writing because too many have I reached out to the XXXX Credit Bureau Equifax XXXX, and XXXX to be specific in regards to the inaccuracy of information being recorded and reported! 

So, I currently learning of these other databases that they all use! XXXX XXXXXXXX, XXXX AND XXXX THERE INFO IS NOT UPDATED, OLD AND THEY AREN'T CURRENT, PLUS, not really how they received updates. I'm simply applauded to see the lack of record keeping here from all XXXX here! So, when purchasing a car the XXXX databases are reporting outdated information, never current plus painting me in a bad negative light! 

I decided definitely to request a total wash-out of both hard and soft inquiries due to the unfair treatment of costing me a higher interest rate and principal, not to mention higher car payments, not to mention unable to save money! I'm super disappointed and disgusted in my founding! Especially, after XXXX cars in a roll. First, the XXXX XXXX XXXX now the XXXX XXXX XXXX, both XXXX they both should not be on the road. On the based of 15 USC 1861c and Section 623 and XXXX  XXXX XXXX application XXXX dated XX/XX/XXXX XXXX XXXX ... and others