davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

SEE ATTACHED DOCUMENT : CHARGED OFF, NOW RESLOVED BY FURNISHER A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. 

Additionally, a cease and desist any and all activities related to the use and disclosure of my consumer information, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. As a federally protected consumer, I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given XXXX XXXX under the provisions of 15 U.S.C. 6802.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (VA)

TO WHO MAY CONCERN, To addressed the issues within my complaint, I the consumer remains dissatisfied due to I have sent then a bank certified check to Moneylion XXXX  that I do not owe and believe to be fraudulent activity attached to my name. I do not know who the debt belongs to, but I paid by certified check XXXX. I have not received a bill in this amount or anything verifying a debt, proofs or documents with my signature. I have disputed the debt serval times with Moneylion and still remains on my credit report. I also contacted my bank to ensure the check was not deposited. In the meantime I have stopped payment on that check and reissued another cashier 's check.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (DE)

In XXXX of XXXX Discover Card increased my credit line to double the amount of the original line. I have not missed any payments and set up automatic payments. I have had the card since XXXX never had unresolved issues. Now out of no where they have violated my consumer and constitutional rights demanding my personal non-public information and using a third party credit agency XXXX to do so. I called to resolve the issue and two different customer service representative stated the only way to continue to use my card was to comply and hand over my tax returns. I am deeply offended and injured emotional and physically not having access to my own credit now that they froze my accent and will terminate it by XX/XX/XXXX if I do not comply. The is a grave injustice and deep over steeping of boundaries and deprivation of my rights. I demand immediate relief and Arbitration as I will be contacting the Attorney General, Securities Exchange commission, IRS and the OCC.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX all my accounts were frozen by Wells Fargo Bank without prior notice. That same day, Friday, when I called customer service, they asked me to go to a branch. When I got there and asked for an explanation, they told me that I had to show my legal status. in the United States, and I gave them my XXXX ID, which logically they should have had beforehand when they opened my business account more than a year ago. By phone I filed a formal complaint on XX/XX/XXXX, since I was told that the problem was that I was born in XXXX and that therefore my accounts had been frozen, I regret having been born somewhere other than the United States, for the first time I feel discriminated against in this country thanks to Wells Fargo 's inability to solve problems created by them. At this time my accounts are still frozen, I asked them to let me know in writing the reason for this terrible situation, Wells Fargo today says that it can take up to 10 days to respond to me and in the meantime I feel treated with discrimination by them, and like a criminal, I can not use my money, I can not pay my bills or the rent for my business and my house, and I can not complete the sales of my business, causing me to lose thousands of dollars in an unfair closure without prior notice in the bank accounts where I have the money that has been worked with sacrifice for 9 years in this country.
Consumer complaint received 2023-03-10
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred 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
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: 2288984 Ontario Inc. (FL)

I switched banks in XXXX. I updated the information as required. On XX/XX/XXXX I made XXXX payment with the new bank. However XXXX XXXXmoney key  decided to try and take money from my old account. Pls note that I did not have automatic payments set up I always made the payment myself they never automatically took it out and I have prof of this on my bank statement. I noticed it said that I didnt make the payment so I called and was told what happen and was told it was fixed. However it was not and they are reporting that I was late with XX/XX/XXXX and XX/XX/XXXX payment. My bank statements prove that I made a payment on XX/XX/XXXX and XX/XX/XXXX for XXXX payment. I have called at least six times I have been told they will get back to me but nothing. They refuse to fix their error even with the bank statements I sent showing I was never late in a payment.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I took a car out with XXXX XXXX about 8 years ago..I got into an accident the car was deemed a total loss and my XXXX insurance paid the car off in full amount.XXXX XXXX reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and XXXX XXXX still has a hold on my credit I believe this is based on racial profiling as I been told by many dealers
Consumer complaint received 2023-03-06
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. (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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # 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.

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 2023-01-05
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: EQUIFAX, INC. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them, nor prove validation. 
Under Sec. XXXX FCRA " I have a right to privacy '' XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NC)

On XX/XX/XXXX, I filed an identity theft complaint with the CFPB regarding the furnishing of nonpublic personal information without my consent on my consumer report. They responded that the information furnished was acceptable in accordance to the cardmember agreement signed when the account was opened, however the Cardmember Agreement that I agreed to in XXXX of XXXX was agreed to under FALSE PRETENSES making the agreement a result of FRAUD. Prior to agreement, I was unaware that the payment history is nonpublic personal information and was under the impression that the terms of the contract were legal. In addition, I am now aware of 15 U.S. Code 6802 ( b ) and USC 6802 ( c ), which states that I, the consumer, am " given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was not provided neither the opportunity to opt out of disclosure of my information or an explanation of how I could exercise that option. Therefore, the transactions between Discover and myself, specifically the late payments, that were furnished on my consumer report are in violation of multiple consumer laws, including but not limited to USC 1681b Permissible purposes of consumer reports, and needs to be removed from my consumer report. It was not made clear to me that my nonpublic personal information, what Discover would call " payment history '', would be furnished, which according to consumer law is illegal.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

The following accounts must be deleted as they were opened without my consent. 

I have attached the ID THEFT reports for all of them. That is enough evidence proving they are not mine. 

They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. 

Please delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. 

XXXX - ACCOUNT NUMBER XXXX XXXX  - ACCOUNT # : XXXX XXXX  - ACCOUNT # : XXXX
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX XXXX, 2024, before XXXXpm, I timely made my monthly payment. Due to delayed processing on behalf of Capital One, Capital One did not process my payment until XXXX XXXX, 2024 then charged me a past due fee of XXXX, however my payment was timely paid. I had request a reversal of that past due fee however Capital One representative indicated that they could not reverse that fee, for reasons unknown nor could they tell me the time in which they received my payment and time in which they processed my payment. Therefore I am requesting a refund and reversal and/or credit to my account of {$25.00} plus any interest charged since XXXX  2024, because I timely paid my monthly payment, therefore was not late and any lateness was due to Capital One 's processing of the payment. Moreover, I am requesting a credit/refund/reversal of that XXXX past due fee so that I may pay my balance in full as I have mailed a payment of XXXX wherein that amount should zero out my balance.
Consumer complaint received 2024-09-27
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: AMERICAN EXPRESS COMPANY (OH)

In early XX/XX/2024, I stayed at the XXXX XXXX XXXX XXXX, and I encountered severe issues with the hotels accommodations. Specifically, the air conditioning in my room was not functioning, leaving the room uncomfortably hot, As you can see, the XXXX control panel shows XXXX, but this was the maximum it was showing there. It was actually hotter than that. I was forced to open the windows, which let in a strong sewage smell, as well as unbearable noise from the streets and passing airplanes. The hotel staff informed me that no alternative accommodations were available, and it was too late for me to find another hotel given that it was after midnight and I had small children with me. As a result, I was forced to stay under these unacceptable conditions. 

I initially requested a full refund from the hotel but was only offered a 25 % refund, which I declined as it did not adequately compensate for the issues I experienced. I then disputed the charge with American Express, providing them with all necessary evidence, including videos of the conditions and documentation of my interactions with the hotel. 

Despite my detailed submission, American Express granted the credit to the hotel without properly addressing my claim or the evidence I provided. The total charge for the stay was approximately {$300.00}, and I believe this amount should be fully refunded given the failure to provide the service that was promised. I have contacted American Express multiple times, but they continue to uphold the charge in favor of the hotel. 

I am now seeking the CFPBs assistance in resolving this dispute and obtaining the refund I am entitled to.
Consumer complaint received 2023-01-20
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

Im not sure as my account was closed several years ago, but I do know that Wells Fargo charged me multiple times on overdraft fees. Also my name is different now than it was on the account but I know that the instructions said not to provide it. So please contact me.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

All of a sudden they stopped taking debit payments, since they changed they say my payments are coming back but money is in account. Also they keep trying to charge my payments to my old account that I requested they remove. I called them on XX/XX/XXXXXXXX XXXX  and was told they are closing it due to this and nothing they can do about it. This has also hurt my credit report because of late payments due to these issues, and I have had late payment fees due to these issues
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX Capital one close my account with a XXXX balance. on Capital One website. XXXX +yrs later they said the account was not paid off Ok. Why did Capital One wait so long to catch their error? So now interest has built up If Capital One had found this error XXXX ago this account would have been paid off. Account # XXXX .. XX/XX/XXXX Capital One sent me a letter about this account. I call Capital one on XX/XX/XXXX and said I will pay the remaining balance of XXXX and not the XXXX in interest. That would be fair. Cause it was Capital One error not mind.. Never heard of them .. On XX/XX/XXXX Call Capital One again talk to a young man told him my story he said he will put in a dispute claim.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

I bought a car in XXXX and it got wrecked in XXXX car was totaled but i guess whoever the bank had come look at the car said that it wasn't a total loss so they had only received a check for {$6000.00} of the {$10000.00} or something that was left but whoever deemed it not a total cost made it toward the gap insurance never got triggered for the last XXXX or XXXX XXXX that was left and the company that something the check isn't even in service or anything anymore
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

In XXXX I began the process of working with XXXX XXXX XXXX to settle my debt. Lowe 's Synchrony Bank was one of the accounts. Synchrony agreed to a settlement in XXXX of XXXX ( proof provided ) and XXXX XXXX XXXX sent them a settlement payment through XXXX Financial which Synchrony process. Around XXXX of XXXX, I noticed a collection on my credit report from XXXX XXXX XXXX XXXX for the original Lowe 's Debt. Starting in XXXX, I contacted XXXX XXXX and provided several forms of evidence showing the debt was paid. XXXX XXXX  stated they purchased the debt in XXXX of XXXX. I submitted a Statement from XXXX XXXX XXXX  showing the settlement and payment, a letter from Synchrony accepting the settlement, a receipt that the payment was made for XXXX XXXX XXXX through XXXX XXXX XXXX, a bank statement from XXXX XXXX XXXX showing the payment made, and a copy of the check sent to Synchrony bank in the amount of {$1400.00} that was processed by Synchrony. XXXX XXXX still refuses to accept my evidence of payment and continues to send me letters or remove the collections from my credit report.