davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

After a year of dealing with a debit card fraud case with USAA we have determined we can no longer do business with them and are trying to close our accounts. In early XX/XX/2019 we attempted to close both checking and savings and were told we couldn't because the accounts were in a 'credit only status '. This is outrageous and unacceptable. It has been going on too long and we demand they close the accounts. This institution has already been found guilty of these kind of practices and have paid fines in relation to those class action cases. DO THEY EVER LEARN?
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TriVerity, Inc. (MD)

I am writing in response to your recent communication regarding my complaint with the Consumer Financial Protection Bureau ( CFPB ), Case # XXXX, in which I sought detailed information about the debt allegedly owed to your company. I appreciate your prompt response ; however, I must express my dissatisfaction with the content of your reply. 

In my previous correspondence, I specifically requested that you provide the following information in accordance with my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : 1. Verification that I am indeed the account holder for SECU Account.

2. Detailed information regarding the original creditor, including their contact information.

3. A complete breakdown of the debt, including the principal amount, interest, fees, and any other charges that contribute to the total amount owed. Also include the initia
l debt amount.

4. Copies of any signed agreements or contracts pertaining to this debt with the original creditor.

5. Documentation proving your authorization to collect this debt on behalf of the original creditor.

Your response, did not include certain information about the account, did not adequately address my specific requests. The response lacked crucial elements such as the detailed breakdown of the debt, signed agreements, and documentation proving your authorization to collect this debt. 

It is my right as a consumer, under the FDCPA, to receive a written validation of the debt, including the requested information, within five days of your initial communication with me. Your failure to provide this essential information raises concerns about the validity of the debt and my ability to verify its accuracy.

Therefore, I kindly request that you either : 1. Provide the requested information in writing to my current mailing address, as outlined in my initial request and as required by the FDCPA, within the stipulated timeframe.

2. Remove this account from any credit reporting agencies immediately, as it has not been properly validated and reported in compliance with the FCRA.

Please be advised that my rights as a consumer are protected under federal law, and I expect your company to comply with these laws accordingly. Failure to do so may result in legal action to address any violations of my rights. 

I kindly request a response within 30 days from the date of this letter to confirm your course of action. If you fail to provide the requested information or fail to remove this account from my credit report, I will have no choice but to seek legal remedies available to me under the law.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ORO OC, LLC (FL)

Edfinacial  on hold XXXX hours XXXX hours currently. I did the receive a call back no call. They want pay over {$750.00}. a month. I am not working at the moment. I am in line for employment I will be making around XXXX a year. Applied for Save plan and the web sight says it is in process. I can not afford that amount. Been out of work for a month. I have life circumstances that have changed. No way to inform them of changes. So I am going to default on payments for XXXX and that will reflect on my credit. I have always paid my student loans on time, as well as all my bills
Consumer complaint received 2019-03-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc. (CA)

I leased a XXXX XXXX XXXX from XXXX XXXX XXXX. I purchased XXXX extra miles up front so I wouldn't go over mileage. My total mileage allowance was XXXX for the lease. I turned in the lease with approximately XXXX. I assumed like other car manufactures that they would send me a check for unused miles after turn in date was XX/XX/XXXX. I called them approximately mid XXXX to check on the status of the refund. However, I was told they don't refund unused pursed miles. I had to get them to clarify this with upper manager that they owe me a refund. They came back to inform me at the end of XX/XX/XXXX days they would send the refund. My concern is how many other customers are being cheated or abused like I have on something paid for but haven't use. Thanks for your time. Please contact me if needed.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX and XX/XX/XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

I have disputed these accounts through US mail, E-mails- Credit Agencies and etc. I have reached out dozens of time sand still get the same response. These are not m, y accounts. I did not open or apply for any of these accounts. The address that opened these accounts is a different apartment number. This was fraud and I have had everything from cell phones to credit cards opened without my knowledge I have sent copies of my identity theft report and my complaint and still nothing. 
Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is an FCRA violation also open to damages collected from you by me. 

I expect to receive the proof requested above, within 10 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

If you have true and accurate proof of this alleged debt, you may send it to me by mail in the form of complete and accurate billing, and payment and account history as allowed to be under federal law.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ashton & Weinberg, Inc. (MA)

XXXX XXXX called from Ashton & Weinberg claiming they were attorneys and collecting on behalf of XXXX XXXX in XXXX. MA. Although I was polite and professional and explained as I did to XXXX XXXX that we were going through a difficult time and had all intentions to pay The {$1000.00} dollars that couldn't at this time. XXXX then went on to call me scumb bag and low life when I told him I was uncomfortable giving him my debt card number. I told him I didn't appreciate his attitude he continued to call me scumb bag I told him I would be calling XXXX XXXX and that I couldn't believe that they would hire a firm like his. He said go ahead call them and I will see you in court. I have recordings of Voice mail threatening legal action and further unprofessional demeanor and harassment from him. Three week ago my business account and personal checking account were hacked and cleaned out the case is being investigated by XXXX XXXX Fraud Department. New accounts have been issued and we are very careful of giving account info out over the phone at this time. The issue with regard to amount owed will be dealt with XXXX XXXX directly and we will not communicate with this firm.
Consumer complaint received 2019-03-03
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: Experian Information Solutions Inc. (GA)

XXXX  continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MS)

Today, I received a notification that I had a {$220.00} collection added to my account for an XXXX XXXX XXXX bill, and that a new name had been added to my credit report. When I looked, it was from Franklin Collection Services under my brother 's name, even though it is on my report.

I never received notification or anything concerning this account previously required by 15 USC 1692 809 ( a ) neither in my name nor in his name, yet it has ended up on my credit report. The only communication that has occurred was the notification from XXXX  and XXXX  telling me that I had a new collection on my account.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

CONNS REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND CONNS REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT REPORT.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

Ally bank advertised a Payback time promotion. The promotion stated -open an account by XX/XX/XXXX, fund it by XX/XX/XXXX, leave the money in that account until XX/XX/XXXX and receive a 1 % bonus up to {$1000.00} on XX/XX/XXXX. I followed all the steps and time frames- received an email stating that I was enrolled in the promotion. I just noticed that I did not receive a 1 % bonus into my account when I checked on XX/XX/XXXX. I called and spoke to a CSR and she told me that a " personal trust '' vesting is not allowed. No where in the paperwork or in the fine print did it ever state this. The complaint was escalated to a supervisor, XXXX, who told me she would escalate to upper management and some one get back to me. I told her I would file a complaint with the CFPB if this oversight has not been fixed. As of today, my account has not been credited with the 1 % promotion.
Consumer complaint received 2019-03-03
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)

Transunion continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.
Consumer complaint received 2019-03-02
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. (NC)

I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with XXXX but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I've been trying to resolve this issue with Trans Union about these unauthorized credit inquiries on my credit report file, I've sent certified letters time and time again to this company and nothing 's been done yet and its been since last year for months XXXX. XXXX XXXX XXXX XXXX XXXX. I need your help with this issue I'm having with Trans Union. Thank you kindly
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AR)

On XX/XX/2019, I sent a Notarized Affidavit to Midland Credit/ Funding regarding an account that was reporting on my credit report that did not belong to me. In the affidavit, I advised Midland Credit/Funding I had no contractual agreement with their company an that the debt did not belong to me. I recently received a letter from Midland Credit/Funding stating that they intend to file a lawsuit against me as well as obtain a judgment if I did not contact their prelegal department. In addition, the letter threatened to garnish wages and obtain a lien against my property. This action taking by Midland Credit/Funding violates the Fair Debt Collection Practice Act 807,808, and 809. I have yet or ever recall receiving any initial communication or validation regarding this matter. I expect Midland Credit /Funding to immediately remove this account from all three consumer reporting agencies.
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I signed up for online access and accidentally typed an undesired username for the website. I called in to have the username changed, and received three different sets of instructions from three different people. One of those said they would need to delete my online account so I can re-register, but the website won't allow me to do this. Another said I can change the username by selecting " forgot username '', which requires multi-factor authentication, although the " code '' that is sent by text to the phone number on file never comes. I called in again and opened a ticket and was told 24-48 hour response, but have not received any call back in a week. I have not been able to access my account online in a month.
Consumer complaint received 2019-02-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$4500.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX   XXXX not mine
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

I wrote a check and was holding it pending the repair of my car. The merchant took a photo to show I would pay upon completion but instead the merchant processed the photo as a check and Wells Fargo paid the photo despite telling them I had never tendered the check and it was in my possession. 

It was check number XXXX for {$2300.00}
Consumer complaint received 2019-03-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Tennessee Quick Cash, Inc. (TN)

Previous complaint # XXXX Issue with collection, business practices, harassment of XXXX XXXX XXXX XXXX aka Tennessee Quick Cash. For more than two to three years failed to send any accounting of debt. At XXXX, today repossessed vehicle and at XXXX XXXX, agents returned and sat at the end of my driveway even though they had the vehicle. This is the same type of behaviors and actions which have occurred over the last two to three years. It has been reported and complained about numerous times, yet no statements were ever given. Please see attach recordings of actions. They caused disturbances in taking the vehicle.
Consumer complaint received 2019-02-27
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: CITIBANK, N.A. (CA)

In XXXX I subscribed to a movie service called XXXX for XXXX. I found out when I tried to use the service that there were additional fees not advertised. I tried many times with the company to cancel.Finally, I disputed this charge with Citibank and was told I received a credit for the dispute. The next day, XXXX put through an additional charge without my knowledge or consent. I contacted both XXXX and Citibank and was told at one point that a permanent credit was issued for both charges and the dispute was resolved. However, they have not credited my account. I have received different answers from everyone I talk to at Cit. I am really tired of calling, writing letters and trying to get back money that was charged to my account without my knowledge or consent.
Consumer complaint received 2019-02-25
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. (LA)

I reported identity theft to the 3 credit reporting bureaus ( twice ) some of the items were removed, including unauthorized inquires from the theft. Two accounts are still showing and some of the inquires. I sent out the identity theft report at the end of XX/XX/XXXX via certified, for the second time and requested these items to be block and/or removed per my rights granted by the Fair Credit Reporting Act, which clearly states that these item should be removed within 5 business days for the date of receipt. By the credit bureaus. As of XX/XX/XXXX there are two accounts, that haven't been address. Which are XXXX XXXX and XXXX XXXX XXXX, as well as all the inquiries for accounts that were issued to my credit file and inquires that are showing for account that weren't issued nor were they authorized. 

XXXX has removed all of the items, except a XXXX XXXX inquiry for XX/XX/XXXX. Which is a new inquiry, but they have conducted themselves in the correct manner, as based on the FCRA. 

I have attached a copy of the Identity Report, that was filed and delivered to the credit bureaus. They are picking and choosing which account to remove, when they have clear instructions and time-frame, in which these items are to be removed and/or blocked.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the dates below : Inconsistent dates below- 30 days late as of XX/XX/2018 ( XXXX ) 30 days late as of XX/XX/2018 ( XXXX  and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.