davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-04
Product: Credit 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: CITIBANK, N.A. (TN)

My account was charged {$930.00} on XX/XX/year>. 
The charge was made in XXXX, XXXX. 
I have never been to XXXX, XXXX. 
I notified the credit card company and they stated that I made the charge. 
I re-submitted my dispute via Certified Mail requesting proof of purchase and they emailed me that they had re-opened the investigation. That was 30 days ago and no proof of purchase has been provided or communication received. The charge remains on my account and they are now charging interest thereon. 
The charge identifies a company that XXXX XXXX XXXX shows to be a commercial wholesaler. Clearly not a company making sales to foreign individuals. 
Essentially, my complaint rests on my belief that I should not be liable for unrecognized purchases for which proof of purchase can not be provided.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have called Capital One Auto finance 7 times on XX/XX/XXXX. They can not find any record of the loan financing I got from XXXX XXXX  XXXX ( A brand they operated from approx XXXX to XXXX. ) I need to obtain my car title and the XXXX in XXXX will not provide it to me as the lien from 20+ years ago is still in place. 

The people I spoke to at Capital One Auto Finance will not let me talk to a supervisor or escalation unit as I can not provide my account number. I have provided my SSN and the vehicle VIN, but as they can not find a record they said " there is nothing we can do. '' The car still works. I have a young person who can use it, but in order to transfer title to their name and have them obtain insurance I need my title so we can transfer title. 

I financed a car with XXXX XXXX XXXXXXXX in the year XXXX. I think I paid it off in XXXX. I need a title for the car and can't get it as XXXX XXXX XXXX still shows as lienholder. The company can not find record of my vehicle under my SSN, name or the VIN number. 

Where to we go from here? 

My understanding is that the XXXX in IL ( where I live ) will accept either a lien release letter or : Lien contract stating that the lien has been paid in full. Must be countersigned by an authorized representative of the company. 

Looking forward to hearing from someone who can problem solve this situation vs what I've been told which is " we have no record, so there is nothing that can be done '' Thank you,
Consumer complaint received 2022-01-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Lakeview Loan Servicing and XXXX XXXX have mishandled and misappropriated funds in my escrow account. On XX/XX/year>, I purchased a homeowner 's insurance policy through XXXX XXXX for {$2300.00}. I cancelled the policy around XX/XX/year> and I was refunded. On XX/XX/year>, I noticed my mortgage payment increased over {$400.00} without notification from XXXX XXXX. I was never, ever informed that my escrow had a shortage at any point in time. Any changes made to my online account WERE NEVER SENT TO ME VIA MAIL NOR PHONE NOR EMAIL CORRESPONDENSE. They have been making changes to my account WITHOUT NOTIFICATION. And they CAN NOT PROVE AND CAN NOT SHOW TO ME HOW MY ESCROW ACCOUNT GOT NEGATIVE TO THE TUNE OF {$3300.00}. THEY REFUSE TO PROVE TO ME THAT THEY APPLIED THE REFUND OF {$2300.00} TO MY ESCROW ACCOUNT. I was on the phone with their insurance department, they COULD NOT BREAK DOWN THE NUMBERS TO PROVE TO ME HOW MY ESCROW WAS SHORT. I was transferred to someone else in the XXXX XXXX department and SHE COULD NOT BREAK DOWN THE NUMBERS TO MATHEMATICALLY PROVE HOW MY ESCROW WAS SHORT. SHE COULD NOT ACCOUNT FOR THE REFUND OF {$2300.00}. The woman HUNG UP ON ME. I believe XXXX XXXX has stolen or misappropriated funds in my escrow account, which is resulting in such a high shortage. The last agent I spoke with sent me a transaction history, and IT SHOWS XXXX XXXX DEDUCTING THE {$2300.00}, RETURNING IT TO THE MY ESCROW ACCOUNT IN THE FORM OF A DEPOSIT, AND THEN IMMEDIATELY DEDUCTING IT AGAIN. They are misappropriating my funds.
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Herrassing phone calls to me, my ailing mother, as well as damage to my credit with refusal to remove. When attempted contacts to get help or assistance, extra fees were added. They made it impossible to pay off, and my credit is permanently damaged. The stress is overwhelming!
Consumer complaint received 2024-12-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I C SYSTEM INC Claims it is owed XXXX for an account opened in XX/XX/year>. I have never opened an account with them and have no knowledge of this account or balance. 
Att was paid off entirely a long time ago. 
Disputes have been opened to correct this yet it has not been properly updated to reflect a 0 balance and remove from record. This is false and misleading info
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Account number XXXX with XXXX XXXX was charged off in XX/XX/year>. 

This account should no longer appear on my credit report. However, the company XXXX XXXX continues to report historic information to my credit report. 

I have attached the original document which shows this account was charged off in XXXX. The same account number is now reporting as XXXX XXXX  on my credit report. 

This historical information reporting has tremendously lowered my credit score and created a hardship for me when applying for new credit. 

The F.C.R.A holds creditors liable for {$2500.00} per unintentional violation and {$7500.00} per intentional violation. 

Dispute numerous disputes XXXX has fail to investigate and continuously allowed this company tarnish my credit report. 

I am requesting {$7500.00} for the stress and financial damages inquired due to XXXX 's negligence and failure to update my credit report properly and in a timely manner. 

I also demand XXXX to remove this account from any credit report immediately!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management has initiated a civil suit regarding a charge-off account with XXXX XXXX, claiming to have acquired all rights to the debt in question. However, the plaintiff has not provided sufficient documentation to verify the validity of the debt, such as the original amount owed, proof of their legal right to collect, or a signed agreement from me acknowledging the debt. Additionally, they have failed to present a comprehensive account of all credit transactions, including charges, payments, disputes, credit rewards, and applicable interest rates, complete with my digital signature and PIN. During the court hearing on XX/XX/year>, no substantial evidence was presented, only a bill of sale for the debt. A subsequent court date has been scheduled for XX/XX/year>.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (NJ)

Dear someone who may concern I applied America Express Hilton Honors Surpass Card in XX/XX/2022. According to the advertisement I can earn XXXX Hilton Honors bonus points after I spend {$2000.00} in purchases on the card in the first three months of card membership. My friend referred me and I applied this card online with him together. The entire application process is so smooth and I get my card information directly after file my information. There is no pop up or any notification during entire application. My friend can prove it. Then I get my physical card 5 days later. 
I made almost purchase or payment by using this card to fulfill the welcome offer as early as possible. America Express charged me annual fee in XX/XX/XXXX. And I achieved the all requirements in XX/XX/2022 to get the welcome offer. But I haven't received any offer rewards until now. Last week I reached out the customer service. They said I am not eligible to get welcome offer. However I haven't received any notification about " I am not eligible of offers '' from any forms. 
I contacted America Express customer service multiple times. First time, their excuse is I used a function of my other card. Actually I haven't use this function anytime. Second time, their excuse is I already got welcome offer from my first and only Amex card called Blue cash prefer card. But this is unreasonable since these two card is unrelated. And they didn't clarify this is only for first applicant when I am applying. They used different unreasonable excuses and even clarify this is Non-Amex fault to avoid their responsibilities. 
I logically think this action is FALSE PROMOTION and violate the transparence between Financial Companies and Customers. I request America Express provide me the Welcome offer. 
Thank you. 
Regards XXXX XXXX
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (VA)

A company called Security Credit Services located in the State of Mississippi, with which I have no business dealings whatsoever and have never been contacted by, posted fraudulent information to my credit report on XX/XX/2021. 

This information indicates a debt reported to be in collections for {$1400.00}. I have never had such an amount in any account payable nor did Security Credit Services indicate what the debt was related to as they have never contacted by by mail or by phone.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of XXXX  System Summary of Issue : On XX/XX/year>, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Experian processed my dispute through the XXXX system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 

Experian Response : Experian used the XXXX system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Experian stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... EXPERIAN MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Experian provided a generic response about their standard procedures rather than directly answering the questions I posed.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX  XXXXdischarged Court US BK CT-XXXX XXXX XXXX ACCOUNT : SOC SEC ADMIN OFFICE O Account number XXXX INQUIRY : XXXX XXXX XXXX  Inquiry date - XX/XX/2023 XXXX U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Consumer complaint received 2024-12-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mortgage Research Center, LLC (AZ)

I am in the loan modification process and I was contacted by a SCAM company who said they were from my mortgage company. I provided them through an online form my loan number and SSN, but called my mortgage company about what this person told me and found out that I was being scammed into paying a payment in a couple of days. I am reporting that they are impersonating being a part of Veterans United Home Loans and asking for a payment on the loan.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (IL)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2022-06-27
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. (TN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-27
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: Bread Financial Holdings, Inc. (AZ)

have asked the credit bureaus to do a investigation of credit report and stated everything was accurate. I did a thorough research myself and found improper accuracies on my credit report. Even after they did a thorough research. 

Last reported is not accurate Last active is not accurate Last payment is not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 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.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (AR)

I have several inquiries on my Experian credit report that i do not recognize. I have contacted Experian and the companies that have reported this information and i have gotten nowhere with either of them. The inquiries on my report are XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

THD/CBNA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX
Consumer complaint received 2022-06-27
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

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