davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (PA)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by CB INDIGO.  While checking my credit report, it came to my notice that CB INDIGO has furnished an account ACCOUNT # XXXX on my Consumer Reports. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major XXXX XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by CB INDIGO  will amount to Communication. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 
15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT XXXX XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or CB INDIGO, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 

If you do not cease communication I will escalate the matter to a Federal Complaint.
Consumer complaint received 2023-03-24
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: AMERICAN EXPRESS COMPANY (NV)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

AMERICAN EXPRESS XXXX Balance {$0.00}, AMERICAN EXPRESS XXXX Balance {$1500.00}
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (KY)

I applied for a credit card through the Credit Karma website guaranteed to be approved or Credit Karma would provide a {$50.00}. 

I was not approved. After several months I finally got an email from XXXX on XX/XX/2023 stating that I would receive instructions for redeeming the card. A month later no instructions and no card. I have contacted XXXX 5 times this week alone at their support email and the email address for the XX/XX/XXXX email. I received answers to my first 2 emails with a canned response about how the guarantree works and that I would have to be approved. On all emails I sent to the company I advised them that I had been approved as per the XX/XX/XXXX email. This fact was ignored on all emails. They stopped responding altogether after the second email and are just now ignoring me. It should be mentioned that XXXX has had legal problems about this type of scams and has been found guilty with a XXXX XXXX penalty. I filed a fraud complaint with the FTC, case number XXXX. The XXXX case number is XXXX. It appears this is another XXXX scam that has now been lingering for several months. As I advised on my emails, there is nothing on my spam folder either - I knew this would be their next excuse.
Consumer complaint received 2023-01-30
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. (MI)

On XX/XX/XXXX I sent an identity theft report and a certified letter to Experian that was delivered XX/XX/XXXX. The report was disputing XXXX unauthorized and fraudulent inquiries, and the letter was to update my personal information. On XX/XX/XXXX I received an email response from Experian showing that they deleted XXXX inquiry, and updated my personal information. However, on XX/XX/XXXX I received a copy of my consumer report from Experian dated on XX/XX/XXXX showing the fraudulent inquiry still reporting. This is a violation of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report.
Consumer complaint received 2023-03-24
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-16
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)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CO)

In XX/XX/XXXX I received a letter from XXXX XXXX stating they were sending me to collections, I had no idea what this was for so In XXXX XXXX I sent a validation letter to XXXX  XXXX XXXX Which they had already reported it to the Credit Bureaus and I was not given the opportunity to validate this debt prior to them even placing it on my credit. 
On XX/XX/XXXX I received a letter stating they'd enclosed all validation documents. They sent me statements from XXXX of a credit card account that I had with them. ( Ive enclosed these documents ). 
XX/XX/XXXX - I sent them a failure to validate letter letting them know to cease collections and remove this from my credit considering they never sent me a notice prior to placing it on my credit and there were no statements or signed agreement to this account they reported. 

I then sent a complaint in and they finally responded to the cfbp 's complaint with the actual checking account that they are reporting. In reviewing these documents, first off the amount that they have stated that I allegedly owe are ALL BANK FEES. Here 's the issue with this, I never signed an OPT-IN form. Secondly, they were charging me a $ 25 monthly service fee just to have an account with them, which this {$25.00} is XXXX initially started the account to go negative. Had they NOT charged me this monthly service fee ( which I dont know why any bank charges {$25.00} a month to have an account ) the account would have never went into the negative. My account balances were indeed low but given the fact that they initially caused the overdraft with their fee, then charged me overdraft fees on items that would have cleared, it kept snowballing with fees. They charged me {$510.00} in monthly service charges, overdraft fees, and extended over draft fees, on items that would have cleared with out their ridiculous fees. 

I work on an XXXX XXXX and am in the middle of nowhere for XXXX weeks at a time without access to bank accounts. It is obvious after reviewing the bank statements that I at no point OVER SPENT what I had in my account. On top of that, I never asked them, never signed for them to OPT me in to pay into overdraft. The signature card they sent has NOTHING about opting in on it. 

I refuse to pay any more fees to them and this is absolutely unethical what they have charged me and they need to remove this from my credit reports and cease all collections, I have included all correspondence and highlighted the bank statements to reference how their fees is what caused this and their fees is what is allegedly owed.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Trakk, LLC (NC)

I leased a car from AutoTrakk XXXX and the car was totaled XXXX. I had around XXXX left to pay on the car with an option to buy at the end of my lease for about XXXX. My car was totaled on XX/XX/XXXX. My insurance company called me and advised that my car value was XXXX in which my insurance company wrote a check for. My insurance company gave me information on how leasing companies work with total loss and advised that they would send the check to the leasing company and the leasing company in turd would send me any remaining monies. Before my insurance company sent the check I called Autotrakk to verify exactly how much I owed and the amount I'll be getting back. I advised the person ( XXXX ) I spoke to at Auto Trakks that if I'm not getting any money back I would have my insurance company hold the check and get me lawyer to make sure everything is legit and possibly come to a certain settlement. The person I spoke to assured me that I would indeed be getting close to XXXX back, this was after I advised of getting a lawyer. The person stated that they will have the check sent over night. The person actually went though all the lines and details of my contract and stated that he was very knowledgeable as he's been with the company for some time. Once I was sure that I would get the leftover monies back I then called my insurance company and advised ok to release check. I called AutoTrakks on several occasions after waiting the 7 days for the check to clear. Once the check cleared I was told that I wouldn't get anything because my car did not belong to me, I explained to the person I was speaking to the recorded conversation between XXXX and XXXX I asked to speak with upper management and I was belittled and handled rudely. I was told that the reason I used their company was due to my bad credit and why should I benefit from a car that belong to them. I did further research and I see that this company prey on the poor and minorities. I didn't get my right to speak with a lawyer, due to I was mislead after the person knew I wouldn't allow my insurance company to release the check if I wasn't going to get anything back. The company is claiming it was a mistake but if the call is listened to by someone other than the company it would be understood how I was mislead. The loans are predatory and the treatment of the customers by the employees there are hurtful. Also, I was told that I should of already paid the car off but due to Covid and the pandemic I was out of work and when I came back to work our hours were reduced very bad.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

We have been in contact with Nissan Motor Acceptance Corporation throughout the pandemic. Nissan gave us an " extension '' of two months due to economic problems due to Covid. Nissan also agreed to allow us to pay as we could. We made payments every month with a verbal assurance that as long as we made some payments we would be fine. However, without notice and against everything we had been told by Nissan, Nissan gave an order to repossess our car ( XX/XX/XXXX ), our car was taken that same day. Nissan had accepted a payment of {$150.00} on XX/XX/XXXX. We appealed and ask for help and clarification with no help. We have been without the car for over a month, car is used for work, and after many attempts we were told that although they could not return the car, Nissan would only send us an end of term balance ( we owed at the time the two months of " extension '' ). Nissan stated that this would not be reported as repossessed and would not hurt our credit score. The liability ( end of term ) statement is over {$3100.00} dollars, when we owed approximately {$720.00} to finish paying the lease. Nissan only offered to take {$200.00} dollars of, and {$80.00} for late fees.

Today I am told that Nissan did report this issue as a " involuntary repossession '' which will very much hurt our credit score, which will seriously damage our chance to get a car. Our lease contract was done in XXXX way before the covid-19 pandemic, still we were able to make payments as we could, needing two months two finished the payments for the lease. There was no " extension '' from Nissan to pay for those two months. We offered to pay upfront the amount owed, but Nissan would not accept that payment and until today, ( XX/XX/XXXX ) are demanding for us to pay {$2800.00}, or else threatening to charge us whatever amount was left from the auction of the XXXX XXXX XXXX car that we had leased. Our complaint is the misinformation that Nissan has given us, the lack of honesty of Nissan in what 2 months " extension '' truly meant, their lack of consideration for our family by taking the car that we need for work, and their lack of accepting responsability for the damage they have caused us. We offered to pay {$1000.00} cash that we had saved, to pay what we honestly owed, and with the hope this would not affect our credit as Nissan had stated before. Nissan gave us false impression that we were ok as long as we made payments, which we did every month. Never did we think or were told that we were in danger of our car being repossessed. Still today, they keep demanding the impossible amount for us of {$2.00}, XXXX. We are lost and we need Nissan to stop trying to defend themselves with " this is the way it is '' as we are constantly told. 
XXXX
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

Summary : I was shown an offer on my American Express Credit Card account page with an offer of an extra XXXX bonus miles if meeting a minimum spend requirement. After being approved XX/XX/XXXX for the card and meeting the minimum spend for sign up bonus, I realized I had not received a sign up bonus in XX/XX/XXXX. American Express says they showed a popup stating I wasnt eligible, however this is absolutely not something that was shown or seen at any point during my application. I am requesting resolution to the misleading advertising and resolution of the signup bonus used to draw my attention to the credit card at the time of application. 

XXXX XX/XX/XXXX - Applied for Delta Skymiles Platinum Card assuming i would be given a XXXX sky mile sign up bonus if minimum spend was met. 

XXXX XX/XX/XXXX - Called American Express to inquire about why my sign up bonus had not been credited. American Express said that i had been rejected by the committee due to my credit history and i was not eligible. The CS reps stated i was informed of this decision through a website popup. I absolutely did not see a popup of any manner of this sort, and I would not have applied for the credit card if this were the case as the card has a yearly fee that I would have felt uncomfortable with, if not for the initial sign up bonus. CS rep stated they would open an investigation to check if i should be eligible, and to call back in 2 weeks. 

XXXX XX/XX/XXXX - Called American Express to follow up on the status of their investigation. They informed me due to my credit card history i was ineligible and would not be changing their decision.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX  ( XXXX - XXXX -- - XXXX ) is reporting several old accounts on my credit report which should have never been placed on there. For one I never got a notice and they just put the erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. 

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2021 I saw fraudulent charges on my credit card statement, I called Capitol one right away to cancel card. My computer was hacked remotely, and my information was stolen. I then called the credit bureau to place a fraud alert on my credit reports. The hackers had placed almost {$1000.00} worth of fraudulent charges, which capitol one reversed all but 2 charges.1 for XXXX and the 2nd for XXXX. Telling me that these were legitimate due to the address verification, which they had because they hacked remotely and charged through my computer. And Capitol one is supposed to have 0 liability for fraud.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc. (TX)

Kingston Credit did not call or mail me any documents informing me that the owner XXXX of XXXX XXXX sent my account to collections. I was never contacted by XXXX stating a balance was due nor sent any correspondence by Kingston. I wasn't aware of this debt until viewing my credit report to day. This violates my right as a consumer of written notice of the debt, and my right to dispute this erroneous debt before it hits my credit. If they did make an attempt to contact me by mail, I no longer live in XXXX, Tx. I currently live in XXXX, Tx and for almost 2 years.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (CA)

A total of XXXX credit lines were opened under my name which I had no idea about The first credit line was for discover a total credit line of XXXX Discover claimed to flag the account as fraud and is under investigation Second credit line was not used, but still opened under my name The bank was : Ads XXXX XXXX A total credit line of XXXX Still trying to contact company Many inquiries were also ran without my consent