davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from  refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NJ)

I had difficulty managing my credit card payments, so I contacted Affirm to discuss possible arrangements. Unfortunately, Affirm declined to help, which caused me to fall behind on my credit card obligations. This led to my account being sent to a collection agency. I have since settled the account and resumed making payments. However, Affirm has failed to update my account status and has kept the negative information on my report. This has significantly harmed my credit rating and score. I urge you to remove all Affirm accounts from the records of all three major credit reporting agencies, as this unjust situation continues to affect my financial well-being.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

As of XX/XX/2018, we have made 3 requests via phone to Bayview to cancel PMI. Each time we were told that we qualify and to send request in writing. Each request in writing returned denials. EarlyXX/XX/XXXX, we submitted another request with copy of deed. Two weeks later Bayview responded that we qualify and to complete an affidavit of no lien in addition to an authorization for an appraisal. Appraisal completed on XX/XX/XXXX. XX/XX/XXXX letter from Bayview stating that the value of our home has decreased and a copy of the valuation report is enclosed. There was no valuation report enclosed. Called two times yesterday around XXXX XXXX and spoke first to XXXX and then XXXX XXXX. No one could locate copy of valuation report. XXXX reached out to XXXX, her supervisor for assistance and still to no avail. Bayview is not transparent. As of today XX/XX/XXXX still no copy of appraisal. Instead on XX/XX/XXXX Bayview performed an Escrow Analysis and determined that there will be a shortage in the escrow account and has increased our monthly mortgage payment by {$55.00}. This analysis is normally done in XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2024-11-18
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: CITIBANK, N.A. (GA)

I over paid in error XXXX payments of {$8000.00}. XXXX on XX/XX/XXXX and not knowing that I had already sent it I sent the same payment on XX/XX/XXXX. I am trying to get the second over payment in my account back. they have been telling me it is pending for XXXX  days now. Today they tell me they will process it today and it will take another XXXX to XXXX business days to get back to me. I told them tXXXX XXXX XXXX  it to me. I will have them deduct the XXXX  XXXX cost from my refund. They refused to do anything. I believe they think I am a nuisance and are trying to make sure I have to wait over a month to get my money. How long of an investigation does it take to see that there were XXXX payments made and only XXXX was XXXX Now I am carrying a large XXXX XXXXredit balance. They do not want to accommodate me the customer service is non existent.They will not take it to a supervisor or someone that maybe able to see I need my over payment.I should not have to wait a month for an overpayment.
Consumer complaint received 2019-05-28
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: Mercedes Benz Financial Services (GA)

Mercedes Benz of XXXX ran my credit three times with out my consent the inquiry dates are XXXX  2018 ,XXXX/18 ,XXXX/18 under MB Fin SvCs
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Federal law limits consumers liability for unauthorized transactions on their credit card accounts. However, PenFed imposes a 60 day period for consumers to report unauthorized transactions on their VISA credit card. 

After asking PenFed to explain the procedure for disputing unauthorized charges on my account, I received a message from them ( see attached " Message 1 ... '' file ) containing the following sentence : " You have 60 days from the time your credit statement cycles to dispute the transaction in question. '' When asking for clarification in response to that message " Thank you for detailed instructions. I have one question about the 60 days requirement for the time frame to dispute unauthorized charges on my credit card account. Your company and VISA advertise {$0.00} liability for the unauthorized uses of the VISA card and it is not clear to me where o you disclose the 60 days limitation '', I received a response from PenFed highlighting among other things the following statement in their disclosure " You must contact us. *Within 60 days after the error appeared on your statement ''. 

While PenFed never mentions in their disclose that the 60 day limitation applies to the unauthorized charges ( PenFed uses the term " error '' ), my question to PenFed to which it responded was very specific and mentioned unauthorized charges. 

I would like CFPB to review the documentation and assess whether PenFed 's requirement to customers to agree with the words of the attached disclosure ( see the highlighted statement of " Message 2 attachment ... '' file ) and PenFed 's email communication implying that the highlighted statement pertains to unauthorized charges on consumer 's credit card account is compliant with the Federal law limiting consumer 's liability for unauthorized transactions on their credit card accounts.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (MI)

According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : Dept of EdXXXX {$80000.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. There has been rounds of dispute and these accounts still remain. 

I am preparing to take this to a small court and recover damages immediately.
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX does not stop calling me even though I have a Bankruptcy in place. 
They continue to call repeatedly threaten me and need to stop by law. I have tried many times to let them know as well as sent them my bankruptcy paper work. They use false names as well as ghost phone numbers and I would like them to stop calling and harassing me. 

Attached is a copy of my last letter to them. I have sent a letter requesting them to stop in each name they have called under as well. 

Thank you XXXX XXXX XX/XX/XXXX Certified Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX Debt Collector : Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the States Attorney Generals office. Civil and criminal claims will be pursued. 
Attached is a copy of my Chapter XXXX Discharge Dated XX/XX/XXXX. 
Collection of Discharged Debts Prohibited The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. 
A creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. 
Should any information needed please contact my attorney at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( fax ) XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : XXXX XXXX XXXX , CA States attorney Generals Office, NV States Attorney Generals Office , Office of the XXXX County District Attorney , United States Bankruptcy Court District of NevadaXXXX
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America 's digital team deleted my automatic payments. I called with an issue with my credit card and payments being reported as past due, but the payments were current. The rep said that their was a problem with the display. My auto loan was actually overpaid. She said that she would fix the display. The rep cancelled my automatic payments on my auto loan. 

I have called multiple times to fix this and each time Bank of America says there are no problems. Today I login and call and they say I am two months past due. I can't tell if they are not applying the payments. So I paid XXXX XXXX  today and resetup the automatic payments. It is exhausting dealing with these people. You have to escalate and talk to five different reps and spend hours on the phone, but nothing gets done expect you lose time and pay fees. Absolute nightmare
Consumer complaint received 2019-05-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One sent me an advertisement for a Quicksilver credit card quoting me a 16 % APR after XX/XX/2020 so I applied and was approved. 

However when my credit card terms and conditions arrived today they had increased their APR after XX/XX/2020 to roughly 26 %. 

I called Capitol One to try and correct what I assumed was a mistake both both a worker named XXXX and his supervisor XXXX told me that they couldn't change the APR so I closed the account. 

Capitol One is effectively baiting and switching their customers. This is immoral and ( I assume ) illegal as they did not honor the APR terms that they had guaranteed me.
Consumer complaint received 2019-05-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I have dispute a public record bankruptcy off my credit report with Equifax about 30 plus times with the proper paperwork still won't deleted someone bankruptcy off my credit file they are in violation if my rights Equifax has remove the man name but not his bankruptcy back in XXXX of 2018
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase bank closed my account and will not release my {$12000.00} that is my balance. They started a case # XXXX ... .XXXX  is on the case the phone # is XXXX and her extension is XXXX. Chase bank will not release my funds to me and has closed my account. XXXX XXXX XXXX was given access to my account by me because we will be getting married in the future. He made the transfer by adding an external account of his. Chase bank will not give him back his funds or release them to me. XXXX XXXX XXXX ... XXXX
Consumer complaint received 2019-05-28
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. (CA)

I resided with my mother at a previous residence in XX/XX/XXXX, where I never signed a lease. My father had lived there before I moved in, and I'm not sure if he had signed a lease or not, but we share the same first and last name. On XX/XX/XXXX we were evicted from the residence, and a civil action for possession appeared on my credit report. However, the name listed for the action is not my name and has been listed under my father 's name as evidenced by the different middle initial ( my landlord had put down a XXXX where my father is the XXXX ). Due to this false information I have had issues being able to rent at other locations.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

Attention dispute department AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

Attention dispute department DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to  information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am very dissatisfy with the way I am being treated by a third party collector which I am not aware of who they are. All I know is as a consumer I reserve the right to see first if they are legally license to collect in my state, I requested all fees on a previous dispute and asked if they were legally license and had proof of it including all fees they are charging. I am not aware even of who they are.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

HSBC charged an illegitimate late fee to my credit card account. Although I did NOT opt in to paperless statements, HSBC stopped mailing me paper statements. I had not used this card in a while. A merchant made a charge to this card because I had it stored in my account with that merchant. To date, HSBC has not sent me a statement reflecting the charge. I discovered the charge when I looked for it on a different credit card that I thought I had given the merchant. When I could not find the charge on the correct card, I called the merchant and learned my HSBC card had been charged. I don't even have the card in my possession anymore. So I looked all over for my HSBC online log-in details, and even had to log in to an old computer to find it. Once logged-in, I found not only the charge to my HSBC credit card, but also a late fee. I have no printer, and need a paper copy of the bill for my records. I contacted HSBC to ensure I would receive all future billing statements by mail, and asked HSBC to mail me a copy of the one I still did not have. HSBC threatened to charge me {$5.00} for every mailed statement. I refused to pay for what I should already be receiving. I paid the merchant 's charge, which brought my legitimate account balance to zero. Now HSBC is harassing me with at least 10 collection calls per day for the illegitimate late fee, which HSBC deliberately set me up to incur by refusing to mail me billing statements.