davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Violations by JEFFERSON CAPITAL SYSTEM Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXXEFFERSON CAPITAL SYSTEM for alleged debt purportedly owed to JEFFERSON CAPITAL SYSTEM , with account number XXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, JEFFERSON CAPITAL SYSTEM has failed to provide any validation information regarding the alleged debt.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with JEFFERSON CAPITAL SYSTEM before it was placed on my consumer report.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, JEFFERSON CAPITAL SYSTEM has violated these regulations.

Furthermore, I believe that JEFFERSON CAPITAL SYSTEM has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against JEFFERSON CAPITAL SYSTEM for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

Debt not owed, card had not been used in over 2 years, all amounts paid off. company charged interest on a {$0.00} balance then started calling multiple times a day every day of the week. Received 11 calls between Saturday morning at XXXX and Monday morning at XXXX. Some days I receive more than 10 calls. I have disputed the " debt ''.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (UT)

Previous Inquiry Created XX/XX/2024 Multiple Inquiries Error There are multiple inquiries all within one day of each other on my credit report, but I only authorized one of them. I previously disputed this inquiry stating : " I dont recognize this amount of inquiries by this lender, and I dont remember authorizing them to perform multiple hard inquiries on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Consumer complaint received 2019-05-14
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. (GA)

I have several items on my credit report tnat are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have contacted the FTC and my police dept. I'm doing this on my own behalf. 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. Inquires : 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 2020-06-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: JPMORGAN CHASE & CO. (NY)

I have for over 4 months since the month of XX/XX/2020 tried to get my stimulas bank card from chase sent to me at both my po box and personal address as well. And someone has illegally seized my stimulas benefit bank card without telling me and taking advantage during covid-19 delays. I would like to know why my bank card was illegally seized. I read that it is against debt collection practices to seize a bank card during covid pandemic. I also have gone to the bank chase at multiple locations and turned in my old bank card as well in person to the bank teller thinking it was that. It was not that. Can you please get back to me at phone number XXXX
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

Please refer to the detailed letter attached that I wrote to XXXX XXXX XXXX after they called me regarding my Macy 's account. Macy 's is completely violating the FCRA reporting to my credit a charged off account and only showing XXXX 120 day lates in XXXX XXXX, XXXX XXXX, and XXXX XXXX. There is a balance I do n't owe also reporting of {$280.00} ( see attached page of my recent credit report ). I closed this account after the terrible customer service trying to find out why my perfect financial past is being heavily hurt by their errors and I cant get a home loan because of them. I NEED THEM TO CORRECT THIS IMMEDIATELY OR I WILL FILE A LAWSUIT AGAINST THEM. THEY DECIDED TO NOT CASH MY CHECK AND RETURN IT TO ME AND CA N'T EXPLAIN WHY. I AM NOT AT FAULT AND IT IS FRUSTRATING TO HAVE TO TAKE THESE MEASURES TO RECTIFY IT. SEE ALL ATTACHED DOCS AND HOLD THEM ACCOUNTABLE.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (PA)

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

I decided to do a balance transfer with Barclays US for a total amount of {$5300.00}. I called customer service XX/XX/XXXX to get additional information because I received emails saying the same balance transfer went through twice. Which also included the additional fee for the transaction. They couldnt provide me with information on how it went through twice considering my credit limit for Barclays is {$5700.00} and they did not increase my limit. They also did not reverse it even after I asked. They said to contact other credit card companies from where the balance transfer came from. My current total as of XX/XX/XXXX is XXXX and they have not reversed those charges or even made any changes to fees charged twice for the same balance transfer. Now my credit score has gone down in points because that card is over credit limit
Consumer complaint received 2024-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (ND)

Hello, my Robinhood brokerage account was restricted. Robinhood will not confirm if they are taking steps to return my money to my bank account. I sent them all the needed information and they have told me no further information is needed. When I try to call they put me on a wait list which never goes through and they do not call. Every time I try to email them they send me a letter saying it can take up to 15 days to resolve the issue. Also they have a board in my robinhood app that says I'll be contacted tomorrow which the date continues to add one day without any word from them. I would like to get my hard earned money back from them but they seem to not want to inform me when that will take place.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Subject : Formal Complaint Against Portfolio Recovery LLC Regarding Collection Attempts for {$5100.00} Debt To Whom It May Concern, I am writing to formally lodge a complaint against Portfolio Recovery LLC regarding their persistent and aggressive attempts to collect a debt totaling {$5100.00} from me. Despite numerous attempts to resolve this matter, I have encountered numerous obstacles and unfair practices on the part of Portfolio Recovery LLC. 

Firstly, I would like to express my disappointment with the lack of transparency and clarity regarding the origin and nature of this debt. Despite my requests for validation of the debt and detailed information regarding its origins, Portfolio Recovery LLC has failed to provide adequate documentation or explanation. 

Furthermore, I am deeply concerned about the tactics employed by Portfolio Recovery LLC in their attempts to collect this debt. I have been subjected to incessant phone calls, letters, and emails, often at inconvenient times and in a harassing manner. These aggressive collection efforts have caused undue stress and anxiety, impacting my well-being and daily life. 

Additionally, I must address the inaccuracies and discrepancies in the information provided by Portfolio Recovery LLC. There have been instances where the amount claimed has fluctuated without explanation, and I have not been provided with a clear breakdown of the charges and fees included in the total amount owed. 

In light of these concerns, I hereby request that Portfolio Recovery LLC cease all collection attempts immediately and provide me with the necessary documentation and information to validate the legitimacy of this debt. Furthermore, I expect a thorough investigation into the practices employed by Portfolio Recovery LLC in handling this matter. 

Failure to address these issues in a timely and satisfactory manner will leave me with no choice but to pursue further legal action to protect my rights and seek resolution. 

I trust that you will take this matter seriously and take prompt action to rectify the situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Citibank, through their Citigold Interest Checking Account has failed to meet their end of a promotion which I signed up for their account with. I signed up with offer code XXXX and the offer was for XXXX AAdvantage bonus miles after 1 bill payment for 2 months and {$1000.00} in purchases through my debit card within 60 days. I confirmed this information in a secure message on XX/XX/2015. They confirmed that the offer was active and took my frequent flyer information. I met those requirements shortly after, which I also confirmed with Citibank through messages. Citibank notified me that, as per terms of the promotion terms, the miles would post with 90 days. Well past 90 days, in XX/XX/XXXX, I still had not received the miles deposited into my account, despite having completed the promotion terms in XX/XX/XXXX. The customer service representative launched an investigation and sent me a secure PDF that found after an investigation that I WAS indeed owed miles still. This letter states I will receive my miles within 10 business days. That was on XX/XX/XXXX. My miles STILL have not posted to my account. I have been in contact with Citi, who tell me they will post the next day, but never do, or that they will look into it and call me back and they never do. 

It is clear that Citibank is aware that I am owed XXXX XXXX XXXX miles, have confirmed this through investigation, I have multiple messages and have talked to multiple representatives on phone and chat and yet they seemingly have no intention of crediting them to my account. Every avenue I have explored through Citi says that yes I am owed the miles, yes I met the promotion terms and then they give me deadlines they never meet or intend to meet.
Consumer complaint received 2024-02-26
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (ID)

In approximately 2010 I was denied to refinance my house on XXXX XXXX XXXX in XXXX XXXX, idaho XXXX. I was pregnant and going through a difficult time. My ex XXXX my daughter so I lost his income and tried to refinance my house and got zero response from Wells Fargo so I lost my house I lived in for 11 years!!!!
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

in accordance with the Fair Credit Reporting Act This creditor has violated my rights under USC 1681 section 6 o 2 states have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose
Consumer complaint received 2019-10-21
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: WELLS FARGO & COMPANY (NC)

On XX/XX/2019 I purchased 7 pairs of high top mens basketball shoes from XXXX  for {$280.00} with guarenteed expedited shipping of {$170.00} ; the total was {$460.00}. The expedited shipping was 7 days guaranteed. I received six of the seven shoes a total of 8 business days after the date of purchase. The tracking number was XXXX XXXX the delivery was not received until the XXXX. Six of the seven pairs of shoes were delivered. Of the six shoes that were delivered all of them had irreversible damage due to the shoes and the shoe boxes being in a shipping container that was 14 inches by 6 inches by 8 inches ; the shoes were jammed into the box. The shoes had deep scratches in the material, were bent and concave and pieces fell off during shipment. I contacted the seller XXXX multiple times from XX/XX/XXXX until XX/XX/XXXX. I spoke to the merchant and their customer service representatives. They were unwilling to reimburse me for the late shipping and damaged / missing goods then stopped responding. I then turned to Wells Fargo, my bank which I purchased the items on via a Visa credit transaction ( note, the items were not purchased on credit ). This was in mid XXXX. When filing the claim for reimbursement the bank offered no options other than text. There was no effort to collect pictures or documents from me. In late XXXX Wells Fargo responded that they will not reimburse me for the charge because the charge was authorized by me and there was no evidence that I did not intentionally make the purchase ( which is not what I filed the claim for ). I then tried to go to the XXXX in late XXXX. I received a response today XX/XX/XXXX, Wells Fargo continues to deny my claim for the goods and services claiming " Our Claims Assistance Center reviewed the information provided and found the transaction was authorized and that a processing error did not occur. Therefore, the claim was closed. '' I rejected the claim stating the claim was in reference to damaged goods and unfulfilled service and not for an unauthorized transaction via XXXX  and am awaiting Wells Fargo 's response. I also called Wells Fargo 's claim department number noted in their response. The person I spoke to said my claim was still open and has never been assigned to an individual and asked me to call back in 48 hours. This is unacceptable. By law Wells Fargo is liable for these credit charges and should therefor reimburse me for the damaged goods and unfulfilled service which totals {$460.00}. I am attaching pictures of the damaged goods as well as the response from Wells Fargo.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I discovered a check withdrawn from my account that I certainly didn't write. Further investigation revealed that these checks, bearing neither my signature nor address, have been periodically debited from my account since XX/XX/XXXX. The amounts, all under {$500.00}, were made out to 7 different individuals and deposited in various California banks. Unfortunately, as I primarily bank with Truist due to my business account, I overlooked this activity in XXXX and XXXX, months of significant spending. However, the bulk of the withdrawals occurred in XXXX and XXXX and the total amount stolen is close to {$9000.00}. Despite filing a fraud report with Truist and a police report with my local PD, Truist deems all NINETEEN transactions as one and refuses to refund any of the stolen funds, citing my belated discovery on XX/XX/XXXX. This is an outrageous and reprehensible way to treat a long-standing customer, absolving themselves of responsibility for safeguarding my funds, which is their primary duty.
Consumer complaint received 2020-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (VA)

This is a follow up complaint to CFPB complaint ID XXXX and XXXX. AMCOLLENT continues to report this debt on my credit report despite my repeatedly disputing the debt and explaining why this is not owed. I have asked politely for this to be corrected immediately on multiple occasions but they have been rude on occasion and unresponsive on others.
Consumer complaint received 2024-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX account # for loan. This is regarding a late fee of {$21.00} they charged me, on XX/XX/XXXX, when we were not late. 
The only reason we got this loan was for the credit and we paid interest for it. I don't want to have to contact all credit bureaus and dispute. I work full time and do not have time for this. 
I called capitol one on XX/XX/XXXX @ XXXX and spoke with ( XXXX  ) XXXX XXXX She couldn't comprehend that we were paid up 4 years in advance. I asked to speak with supervisor. She said, there is no supervisor. Then she proceeded to connect me to XXXX ( XXXX ). He was very rude and stated that we were late, even though we were not. He stated they applied the monies that were paid 4 years in advance to principle. I failed to see how this was our problem, as they apply the payment. 
I then emailed the complaint department at capitol one, all to no avail. 
On XX/XX/XXXX we got an auto loan in the amount of {$9500.00}. There were 72 payments of {$210.00} each. I paid the loan off in 15 months. 
XX/XX/XXXX I had paid a total of {$1600.00}. capitol one applied the payment to interest and principle. I don't know how they figure that. 
I had paid a total of {$3400.00} before XXXX XXXX XXXX 
I proceeded to pay this loan in all of XXXX Sometimes i made a payment every month. Sometimes every other month. I was so far ahead, I couldn't possibly be late. No late fees were charged in XXXX. I didn't make a payment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid {$6300.00} in XXXX. Add this to the previous monies paid in XXXX and the total is {$9700.00}. 
In XXXX I should have paid {$430.00}. In XXXX i should have paid {$2600.00}. For a total of {$3000.00}. Yet, I paid a total of {$9700.00}. I am paid ahead by {$6700.00}. How in XX/XX/XXXX can I possible have a late payment???? This is my complaint. I want this late payment removed from our loan. I have no clue as to how capitol one applies payment 's regarding interest and principle. Nor is this my problem. I want my late fee refunded and I want it removed off of our credit report. At no time during this loan were we late!!