davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I disputed Fraudulent charges on my Capitolone card on XX/XX/XXXX that occurred on XX/XX/XXXX. 
Capitolone reversed one, the {$1800.00} plus charge but after their investigation said I was liable for the second which was a cash advance for {$400.00} .Three days ago I received a suspicious and threatening email saying person had my password, personell info., ect..and infected my computer with Malware and demanding another " {$400.00} '' in XXXX I have filed a police report and fraud alert with XXXX. 
I am asking Capitolone to reopen the investigation in light that my identity has been hacked and the possibility that safeguards at the ATM where the {$400.00} cash advance was taken might have been compromised and no protection for me from fraud. 
A Certified letter was sent Capitolone requesting this. 
Lastly, I am asking that the XXXX due date be forestalled in that I had a XXXX balance before the fraudulent {$400.00} was added to my balance.
Consumer complaint received 2023-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A. State I have the rights to privacy. 

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Please review the following documents. This is payment history for the life of my ( XXXX ) private loan. I have ( XXXX ) total with Navient all with similar indiscretions. This is just an example of XXXX. I can send you all documents of all my loans if you need further review. With all the lines where I was charge capital interest, this pertains to times of financial hardship where I was advised my only option was to opt for the forebearance. I was never given any other options until recently, they offered that I could apply for income based rates. I also had delayed payment processing multiple times in which resulted in overdraft fees with my bank and late payment penalties. Ontop of all of this, everytime I call customer service I get a different explanation on issues that would arise. Yesturday I was informed by customer service that they only had access to records back dated to 2015. Anything before that they couldnt help me with.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

My Chase Ritz Carlton credit card offers a reimbursement of trusted traveler programs, and I was notified of this benefit when I received my card. It stated that XXXX XXXX, XXXX XXXX, or XXXX  programs are all included in this benefit for a maximum of {$100.00} every 4 years. I used this card for XXXX XXXX which was posted on XX/XX/2023 for {$78.00}. On XX/XX/2023 I notified Chase via Secure Message that I would like to use this benefit and have the charge credited. On XX/XX/2023 I received a message from Chase stating that XXXX XXXX does count toward the credit and it would be applied within six to eight weeks of the charge. After about 10 weeks there was no credit posted and I contacted Chase several times over the next few weeks receiving conflicting info and am now being told that the credit will NOT be applied, that XXXX XXXX is the only program that counts. This goes against the terms I was presented when signing up for this card and the message I received XX/XX/XXXX. Chase needs to honor their agreement and credit the {$78.00} charge as part of this benefit or they can refund the annual fee paid for this card if they wish to violate the agreed-upon terms. I have been offered to use a separate travel credit for this purchase. That is an unacceptable resolution as I have already planned to utilize that credit for other purchases so this would still be costing me an additional {$78.00} that Chase should be covering separately with the trusted traveler program credit. If they wish to no longer have XXXX XXXX  count toward the credit they must notify cardholders first of this change. My most recent communication with Chase via phone has resulted in no additional help. I keep getting transferred between departments over and over with each representative stating they can't do anything about this issue. Bottom line, on XX/XX/XXXX a representative from Chase confirmed that this charge would be credited as part of the trusted traveler program credit. Honor it.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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)

I received a copy of my credit report and I have multiple fraudulent accounts on my credit which I would like to be deleted. 
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
Consumer complaint received 2023-06-04
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)

I am not aware of this collection account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
CITIZENS PAY XXXX  XXXX XXXX
Consumer complaint received 2023-06-02
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: CLGF Holdco 1, LLC (NY)

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.

The letters are stated with items and issues.

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 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Tesla, Inc. (FL)

I bought a NEW XXXX XXXX at XXXX XXXX location. It was brand new. I took it out of the dealear and it has safety issues : the seat belt is not working. The safety future that shows me the cars and obstacles arround is not working, The autopliot is not working. 
The parking assit is not working. 
I went back to the dealer 2 hours after to tell them about all the issues and they did not help. I cant drive the car cause is risky and i want the car fixed or my money back.

Please help me. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (TX)

XXXX XXXX will not remove an account from my report when i have submitted proof that i provided this hospital my insurance card at the time of being seen. They verified my insurance would cover the emergency room visit and i would not be billed. Then the report shows this account was opened in XX/XX/XXXX which can not be accurate. I was in oklahoma in XXXX of XXXX i was seen sometime between then and XX/XX/XXXX because i was XXXX  and XXXX. The hospital advised i was only a fee weeks XXXX  at the time and my son was born in XX/XX/XXXX so im not sure why they even allowed this to be reported with the wrong information and ive given them my insurance companies phone number to call and verify this bill was paid. Clearly they didnt investigate this very well because they never contacted my insurance company.
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

This complaint is a continuance of the complaint I filed with CFPB on XX/XX/XXXX, # XXXX. Company 's ( Caine & Weiner ) response of XX/XX/XXXX, stated that they would give me a chance to work with the XXXX ( XXXX ) to reach an amicable resolution with respect to the balance of the account, and closed the status as " Closed with explanation. '' As stated in my XX/XX/XXXX complaint that XXXX never gets back to me with an accounting, documentation or support of the debt. I have requested information/documentation and validity numerous times. I have made attempts to get accurate information from XXXX and Caine & Weiner from XX/XX/XXXX until XX/XX/XXXX. The amount owed continues to change and I feel that I have cooperated and have gotten no accurate information or validation of the debt. My detail of the CFPB complaint of XX/XX/XXXX # XXXX had over 46 pages of detail, emails, notes, reports all showing that they could not validate the debt, much less come up with an amount accurately or consistently. I am submitting Caine & Weiner 's letter to me of XX/XX/XXXX and my response of XX/XX/XXXX.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am trying to buy a house and illegal information and identity theft is damaging to my character and livelihood. Agencies used my ss # and other information for fraudulent purposes in unknown years. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Isnt it true HJR-192 prohibits payment of debt and substitutes, in its place, evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is, now, nothing for this Article to operate on, just as there is nothing for Common Law to operate on. Perpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance. 

Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Because of that fact, I DO NOT BELIEVE YOUR AGENCY PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to ALL XXXX  credit bureaus is negative and inaccurate information. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CT)

Financed a computer with XXXX. Paid for more than half of it with monthly payments bringing the balance down to a little more than $ XXXX.Midland Funding LLC is trying to collect {$2500.00} from me. Not wanting to accept payments that I could afford. But always asking for sums of money that I could not afford. I understand that Midland purchased the debt, possibly from another collections agency that bought it from XXXX. I feel very strongly that sending a debt from {$700.00} to {$2500.00} is taking advantage, overcharging, possibly legally wrong but definitely morally wrong.
Consumer complaint received 2023-06-04
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. (CA)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2023-06-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Data Search NY, Inc. (VA)

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous lawsuit. Consumer Financial Protection Bureau Case No ( s ). : XXXX and XXXX are XXXX.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

Upon reviewing my credit report I noted an XXXX credit card on my account that I have no recollection of opening. I submitted a dispute with the Reporting Bureau XXXX and it came back verified. I mailed a certified letter to XXXX on XXXX XXXX asking for validation of this debt and just received a response letter from them on XXXX XXXX. Their letter stated the following : The contract date was XXXX XXXX and there was a payment in the amount of {$50.00} in XX/XX/XXXX and the date of first delinquency was XXXX XXXX. They also stated it was sold to a collection agency called XXXX XXXX in XXXX XXXX. They also noted that they sent my recent correspondence to XXXX. They also reviewed the reporting and stated in their letter that they were inaccurately reporting to XXXX and would update my report. Per my letter requesting validation of this debt they have failed to provide my any evidence that this account is mine. I wish to have this inaccurate information removed from all XXXX credit Bureaus
Consumer complaint received 2023-06-04
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: ALLY FINANCIAL INC. (FL)

Ollo card XXXX XXXX XXXX XXXX XXXX. I asked for confirmation of debt. I requested for the wet signatures. I reviewed a statement bill. This is not confirmation of debt. They told me the debt was confirmed. I asked who confirmed it and asked for the name, address, phone number and job title like lawyer. They could not answer that question. I said I just confirmed you are a incompetent XXXX. Banks can not loan money modern money mechanics book from federal reserve. XXXX. Banks take peoples signature promises to pay and exchange them for credits. Basic bookkeeping with debts and credits