davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
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. (NY)

Around the end of XXXX I began planning a trip with my fiance. We had made a purchase through XXXX for a hotel inXX/XX/XXXX. Well we actually tried to cancel prior to the end of the year but we're told we couldn't even though I had proof that it never said we couldn't. In the end I asked for a refund, initially denied, I requested a charge back and never received it, XX/XX/XXXX said they would issue a refund but I believe I never got one as it was nearly XXXX never credited to my account ever... my other issue is that I CAN NOT view my statement from this bank for proof I never got this refund. They won't let me download my credit card statements. They also waited until I made a large payment to lower my credit beyond what I payed so I still owed them money. They are also saying my min payment on my now XXXX limit card ( was XXXX prior to covid ) is now XXXX! I literally have to pay over half my balance because they are predators! Their predatory practices need to end! Targeting people during a global pandemic.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (ME)

I was reviewing my credit report the other day and noticed that my XXXX score had dropped several points. I check my credit reports 2-3 times per week and receive email alerts with any changes in my credit file on all 3 credit bureaus. This score decrease came out of nowhere, so I started investigating. Upon examining my report in search of what may have caused this sudden and unexpected drop in my score, I discovered that a collection account had been reported by IC System claiming that I owe XXXX XXXX XXXX {$1100.00}. First of all, I have NEVER EVER had an account with XXXX XXXX XXXX XXXX EVER. Secondly, this collection was REINSERTED into my credit report after it had already been DELETED OVER A YEAR AGO because it was incorrect and false reporting. Now, over a year after it was deleted from my credit reports, it is suddenly making a reappearance and decreasing my scores. THIS IS NOT ALLOWED. You CAN NOT reinsert a collection account into somebody's credit report AFTER it had already been deleted by the credit bureaus due to it being INCORRECT as I DO NOT owe this debt. I will NOT tolerate this slanderous, defamatory, and FALSE information on my credit reports. I work EXTREMELY hard to maintain an excellent credit rating and my wife and I are in the process of preparing to build a new home, so I will NOT allow some bottom feeding, money hungry collection agency to SLANDER my good credit with FALSE information and interfere with MY life plans. 

Again, this collection account was DELETED from my credit reports by the credit bureaus over a year ago because it was being falsely reported as I have NEVER done business with XXXX XXXX XXXX or XXXX ( credit bureaus do not delete collection accounts without valid reason ) and now these people from IC System are reporting it AGAIN after it has been long since deleted from my credit reports, which is NOT allowed. 

If this slanderous, incorrect collection is not IMMEDIATELY removed from my credit reports, I will be proceeding with legal action and will be seeking monetary damages from IC System for REPEATED false credit reporting. This CFPB complaint is just the very first action that I am taking in order to allow IC System a brief widow of opportunity to rectify this very serious matter. Otherwise, I can promise that I WILL be taking much more drastic action against IC System if this slanderous collection remains on my credit reports. A screen shot of this collection from my XXXX credit report is attached to this complaint.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

We purchased a vehicle with a loan from USAA. We paid the loan off in full, they sent us the title and a letter stating that the loan was paid in full. They then proceeded to report our last payment as overdue. Despite calling them and disputing the item on our credit report they continued to report it. It's been a few years so the damage has been done but I would still like it gone.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: OPTUM BANK, INC. (CA)

I'm moving to XXXX for employment and they offer HSA through Optum Bank. Both XXXX and Optum Bank say the other party should be providing me with a full and complete schedule of fees.
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (OH)

The FDIC recently forwarded a complaint to the CFPB on my behalf about wrongful billing tactics and harrassment of my current automobile loan. The CFPB did reach to Bridgecrest located in XXXX, Arizona and a manager from Arizona contacted me on XX/XX/2022 and XX/XX/2022. The manager did not allow me adequate time to communicate with her. On XX/XX/2022, two repo men came to my residence to repossess my automobile. 

On XX/XX/2022, my car was wrongfully repossessed by Bridgecrest. The repo men blocked my driveway. The repo men did a breach of peace. Insults were shouted at me by a third man in a white vehicle. The repo men violated privacy laws about my account information ; via communication of my account status to someone in the parking lot. 

I am a United States veteran. The repo men did not notify the police of their activity beforehand. 
The compliance manager from bridgecrust contacted me from arizona XX/XX/XXXX i missed hte call and they left a voicemail. I wasnt ready no answer her questions so i didn't call back. XX/XX/XXXX she called again 3 cars went to my house they blocked my drive way i had to contact the police. They were telling my neighbors and my police how much i need to pay them. They were telling me i need to pay my bill. There were compliance issues there were not proper issues for the account now they performed an audit and i had been asking them to that long time ago.
Consumer complaint received 2021-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (PA)

After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts, Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2021 I opened a synchrony bank account and deposited {$48000.00} dollars in a high yield savings. 
XX/XX/2021 Ive placed a transfer for {$10000.00} dollars to have it sent back to my bank account at chase because I needed to prepare and put a down payment for a new car XX/XX/2021 Synchrony bank decides to restrict my account due to unknown reasons. Ive called synchrony bank what was the reason for the restriction and they refused to give me a reason. I am the owner of chase checking and synchrony bank. They told me that I would have to wait 60 days for the account to be lifted and now my money is being held hostage and now feel unsafe thats the money can not be reached.
Consumer complaint received 2021-10-17
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: AMERICAN HONDA FINANCE CORP (FL)

I went to XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ) on XX/XX/XXXX to inquire about a new car purchase and returning my lease. I spent quite some time with a gentleman named XXXX XXXX in sales. He showed me a purchase order and eventually I was escorted to the Finance office to discuss prices. When speaking to the finance coordinator, XXXX XXXX XXXX, we discussed possible different finance options but were just playing with numbers as I had not agreed on the price of the car. I specifically told him not to run my credit, since I saw on his computer that he had pulled up all my information from a prior vehicle purchase. He held up his hands and said " I haven't done anything yet, not until you tell me. '' In the end, I did not like the deal they were offering so I left. I recieved an email notification from XXXX XXXX that there was a new hard Inquiry on my credit report. They used my SSN on file to run my credit prior to even telling me! I did not authorize it. I returned again to the dealership today XX/XX/XXXX to complain. When I spoke again to the finance gentleman, XXXX XXXX XXXX, I reminded him that I had said NOT to run my credit when I was in the office with him, and he admitted that he had ran my credit using the SSN on file PRIOR to my even walking into the office, while I was still with the sales consultant, XXXX. I told him I never authorized him to do so, and that I had not even been sure I wanted to purchase a car. I even went on remind him that yesterday I had said " Don't pull my credit yet! '' and at that time he denied having pulled it. He simply apologized and said it " must have been a misunderstanding. ''
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I am trying to settle with my creditors instead of filing for bankruptcy. However, I am currently getting letters from collection agencies that claim they have purchased my debts. It is my understanding that if a debt was acquired I am entitled to obtain a letter of purchase from the debt buyer and a letter of sale from the original creditor. However, I must also obtain the transfer papers in true copy form to validate the sale of debt. Even though third-party ownership voids my rights under the Fair Debt Collection Practices Act since the Henson v. Santander Consumer Financial USA decision from the U.S. Supreme Court XX/XX/2017, I believe that until true valuation is proved that my request are reasonable. In addition, on all debts still not transferred by a debt buyer, I am interested in a reasonable settlement offer to see if my overall financial situation can avoid a chapter XXXX bankruptcy filing. Accordingly, I request an open dialogue to resolve all credit issues without a federal court dismissing my obligations. I request a reasonable settlement on all debts within 10-business days. 

XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX I disputed 2 account that I have no knowledge of. I also noticed the accounts were inaccurately reporting according to cdia metro 2 compliance data and the FCRA. Missing account numbers and failed the correct data requirements in order to report/furnish. Regulations Z states that data furnisher must contact you prior to reporting any information. The below companies did not do that because they are debt bulk buyers that did not verify nor validate these accounts before they furnished the information. Also, under the privacy act of 1974 and 15 usc 1681 I never gave permissible purpose, consent to furnish, transfer nor share my information. Who are the companies because I never done business with them. Contract law requirements are also violated. The time allotted to investigate the alleged debt is beyond and the inaccuracies remain. Please remove the incorrect information from my consumer report. They are beyond the investigation period and they are inaccurate. 
Did XXXXXXXX XXXX XXXXXXXX  do their due diligence upon attempting to collect an alleged debt according to 15 usc 6802? Clearly and conspicuously disclosure to a consumer amongst other obligations? No they did not. Please delete
Consumer complaint received 2020-07-08
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: The Thomas Agency, Inc. (ME)

in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The thomas agency still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from XXXX  that still after months showed the fraud account and it should have been removed last year Both thomas agency and XXXX  have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?
Consumer complaint received 2022-04-26
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. (OH)

Inquiries RESIDENT VERIFY  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, ... ... ... ... ... ... ... ... ... Account XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account # XXXX {$190.00} Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
* I am advising that these listed inquires e removed from my credit report RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.
Consumer complaint received 2022-01-29
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: Experian Information Solutions Inc. (CA)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Consumer complaint received 2022-01-29
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. (CA)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My XXXX Dispute was mailed XX/XX/2021 and XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (TX)

Hi I just requested a new card number because my wallet was missing and the police dept found my wallet the next day and received my credit card 2-3 days via XXXX and I cant use my credit card at all and it was declined for small amount at a restaurant and now I have to request documents for a phone number verification and my card is blocked and I called Nordstrom and try add my card for XXXX  XXXX   but they took too long and I hang up the call so I can talk to my girlfriend I havent been seeing her for a few months ... I dont like to be on hold for over 5 mins and I got things to do.. and I cant use my card ... the phone number that was on my account for years ... And Nordstrom has wasted my gas money to come to a location and verified my  identity this is XXXX and I have things to do!!!!!
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I submitted a dispute on the Experian XXXX platform informing Experian of an inaccuracy on my credit report. Experian has failed to remove a judgment which was satisfied after multiple cemail inquiries. I have made phone calls at least every other day since XX/XX/XXXX and  have taken all possible steps to resolve the matter. The Experian phone system refused to provide me with an agent or live customer service representative despite repeated requests on the telephonic system The amount of the judgment was over 18k and it was satisfied. I provided Experian with copies of the agreement between XXXX XXXX and  the satisfaction of judgment. 

The company stated the dispute was logged since XX/XX/XXXX and assigned to an agent but no follow up correspondence. This has caused me great harm because we are trying to get an XXXX loan to begin to  recover from the effect of COVID-19 on my business. This is disgraceful.
Consumer complaint received 2021-06-11
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: PENTAGON FEDERAL CREDIT UNION (NY)

I have tried several times to settle this matter with this organization. I have received numerous threats by this organization. On XX/XX/2021 I sent an affidavit of truth addressed to the CEO of the company. My affidavit went unanswered to 14 days until i received a letter still threatening repossession action. I have made this organization aware that they do not have my permission to share any of my information with any third parties.No third parties have security interest in the vehicle pursuant 49 USC 14301. The two attaches files will show how this company has ignored my request to settle this matter. They have also threatened me to change the lien holder as well without proving any claims. I requested the company proof of claim. On XX/XX/2021 I received an email which was not mailed to me and in addition addressed to the wrong person. Furthermore I have informed the company pursuant 18 USC 8 that these alleged accounts/ promissory notes are in fact obligations fo the United States XXXX I am now demanding the company to provide to me a more definitive definition of payment along with other questions that were not answered in my affidavit sent XXXX XXXX. Pursuant article 1 section 10 of the constitution debts can only be Paid in silver and gold. I refuse to violate any constitutional laws pertaining to this alleged debt. I also notified Transunion several times by phone whom stated they investigated. Pursuant 1681a ( e ) this investigation was not obtained through personal interviews with any neighbors, friends, or associates. NO such Investigation was done if so please produce to me result of investigations and interviews conducted to verify this alleged debt.
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management Inc sent me a letter in the mail. They said that I owed money and I asked them for verification of debt. He said absolutely not. I need to contact the police and make a police report if I think that this is not my debt and then I have to mail in that I would like verification of debt and refused to give me any information. I do not think that this is my debt, and I believe that this is false because they will not provide me with verification of debt.
Consumer complaint received 2020-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (FL)

XXXX is in the business of financing guns from various gun shops, manufacturers and other companies that sell guns. I financed a gun with XXXX and have been making payments now for almost a year and the principal balance has only decreased by approximately {$300.00} and my monthly payment is {$140.00}. I have come to realize that XXXX has taken me for a good ride with their extremely high interest that they charge on these loans. After this loan on the initial amount of approximately {$1400.00} when all said and done I will have paid double the price of this weapon and this is wrong! 

After realizing how this company is ripping off me and thousands of other people who get financing with XXXX  I want to bring this to light to the CFPB and to alert the population on this awful business practice. Thank You!