davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I bought a used car from XXXX XXXX in XXXX XXXX NY. XX/XX/XXXX. By the time I bought used car XXXX XXXX XXXX I took loan from bank of America {$10000.00} the loan paper I signed at the time of purchase shown amount as I mentioned earlier. 

When I received my first bank statement I saw an amount of {$11000.00} I did call bank and get the information they told me that you tood extended warranty at the time of purchase. which I never did I have a proof which I signed at the time of purchase. Bank told me that they have two different contracts under my name one which I signed. Another one which has extended warranty which they signed electronically and I wasnt aware of that. Now its been three months Im having trouble to get my refund of {$1000.00} and Im paying interest on the amount which I never borrowed.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have requested my current information be Updated properly on my credit report My name is XXXX XXXX XXXX. My current employer is XXXX XXXX XXXX. The following addresses are not mines please remove delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   OH XXXX 1XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  The following number are not mine please delete/remove them : ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-07
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached the Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : XXXX   XXXX, ACC # XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$590.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services (OR)

I filed a complaint with CFPB in regards to the handling of the account, as they were calling before XXXX XXXX, several times per day. Their response was to apologize and close the account as paid in full. I spoke with them on XXXX and uploaded their written response and now they are calling me for payment again. They stated to me and the CFPB that this account was closed and paid in full so its not okay that they are still trying to collect payment
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

Collection company is attempting to collect a hospital bill which was already paid by the patients health insurance company. Collection company repeatedly, fraudulently, verifies that the debt is correct even after being notified by patients health insurance company as well as patient 's mother that debt was paid. EOB showing payment amount and in network participating provider documentation have been provided by health insurance and damaged individual. Collection company is currently causing significant monetary damages to consumer by way of reduction of credit score/denial of credit due to this fraudulently publishing.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2024-10-29
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. (GA)

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. 

Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX 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 2023-05-03
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. (GA)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion will not share what my XXXX and information would be. They are a main credit bureau and connected with big apartment databases like XXXX  They advertise their XXXX here https : //www.transunion.comXXXX I contacted TransUnion by phone today to ask for my XXXX  and information to make sure my rental applications would go smoothly. They told me there is no way to give me that information without a rental application already being submitted. 

If TransUnion can provide a XXXX and other information about me to landlords- I should be able to see and monitor that information to know what is on there, make sure it is accurate, and have a chance to preemptively dispute any inaccuracies.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CO)

XXXX, XXXX XXXX. And the appointed Fiduciary XXXX XXXX XXXX, are in violation of the consent order.The appointed Fiduciary XXXX XXXX XXXX, received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XXXX day of XXXX XXXX.On or about XX/XX/2018 i received a letter from Mr. XXXX XXXX , Midland Credit Management , inc. stating that all collection attempts will be ceased until conclusion of the investigations which i never recieved. On or about XX/XX/2018. Midland funding llc. filed and was granted Motion For Judgment By Default, under c.r.c.p. 312 ( a ) .where it states The defendent has failed to file and serve a responce to the coimplaint and no responsive pleading has been filed with in the time permitted by c.r.c.p. 312 ( a ). XX/XX/2018 i filed a Judicial Notice of Adjudicative Facts, also filed was the Consent Order, and other evidence. ON or about XXXX XXXX thw jugde put a Stay Of Jugdment and ask me to seek relief which is pending ( cfpb ) findings.On or about Febuary XXXX i recieved from Midland Credit Management a letter stating, A Judgment has been enterd against you, for $ XXXXEven though the jugde put a stay on the judgment.And the judgment was for {$2800.00}. so agian they are violating the consent order and asking for more than the judgment was for. 
Whereas Midland Funding Llc, and the Appointed Fiduciary XXXX XXXX XXXX, failed to answer the notice of Dispute and Violate the consent Order with the intent is to deceive and or mislead me. 
Whereas Midland Funding Llc, and XXXX XXXX XXXX willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XX/XX/XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non-economic loss or injury.And any relief that can be sougth after for there violation of the consent order. 
Relief available, ( CFPB ) 12 US CODE 5565. 
We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS Midland Funding, Llc and its appointed Fiduciary XXXX XXXX XXXX, Civil Money Penalties and Damages for non-economic loss or injury and viod judgment. 
Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (WI)

On my XXXX XXXX account I have an outstanding debt with the State of Wisconsin Public Defenders Office. I did not receive notice from State Collection Service Inc. I'm time to dispute.The roomate I just kicked ouerdsyt had the letter in his room for some reason. I found it yesterday. For one : I never received the required payment envelopes except on one occasion. Made a partial payment, never received notice of balance due. I forgot about the obligation cause I XXXX XXXX XXXX XXXX. According to them there was 5 lawyers assigned to me. I can find only 4 in my court records. In one case I had 2, which I was unaware of, did not request two, and there was no need for one. They were worthless. They failed to provide defense for a misuse of justice. Were I'll prepared and could provide no argument for the judge. Another lawyer I was assigned, I was unaware of. It was for a XXXX - breaking a window. I would never request a lawyer for that. I didn't need or use their help. Just made my plea and accepted my fine. Around {$55.00}? Not worth having a lawyer. So, I dispute these charges because they are false, forced on me, failed to perform their job, excessive to have 2 lawyers - which was done without my permission.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been with capital one, from XX/XX/XXXX, I used to get my statement in the mail, until I move to my new address last year, which is XX/XX/XXXX, They change the payment date from the XXXX of each month, to the XXXX of each month, I wasn't notified, I only saw it when i logged into my account online.. 
Now, the due date is the XXXX of each month, I logged into my account to pay my bill, mine you, I pay XX/XX/XXXX at XXXX pm, and Capital one still charging for late payment. This is Scamming on a different level, How can they charge for late payment, when I am paying on the due date.. Is this possible?? Let me know.
Consumer complaint received 2019-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Lendmark Financial Services (CO)

I applied for a loan for an ATV with XXXX XXXX XXXX XXXX in XXXX XXXX  and XXXX. They passed my credit app to Lendmark Financial. After I submitted Income and my buyers order they said they would get back to me. My first complaint is that XXXX XXXX, the rep I was dealing with could not explain the disconnect on the total price and debt to income disconnect. Turns out she was adding in a {$1500.00} warranty and all of Lendmark 's ancillary products without asking. I had to press her on this and she reluctantly removed them. She could then not explain why I did not qualify with the new payment amount. She stated I was 55.6 % DTI. She clearly stated that 55 % is there max which in the finance world is everything 55 %, not a decimal more. Her numbers were wrong. I did the math and I was at 54-53 %. She was flat out lying, trying to make room for add ons. When they actually received my income it was even more than expected and I qualified in every regard. She then called me back and said that I didn't qualify because I had some credit card accounts that have been paid through a credit consolidation company for over 2+ years. I have never once missed a payment on any bureau. I searched their website, and terms and found no explanation stating that was a reason for denial. Furthermore the consolidation company excludes major installment purchases in their terms. This is a flat our way to discriminate against a qualified applicant.
Consumer complaint received 2019-02-11
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: OPORTUN FINANCIAL CORPORATION (HI)

I am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recover stated I owe them {$910.00} when I asked to see an agreement I had wit them they send me a copy of a letter from XXXX XXXX without a break dow of charges. Also the letter states at the bottom, " this is not an apptempt to collect a debt. When I check my credit reports, Portfolio Recovery says I owe XXXX XXXX XXXX XXXX XXXX. I called the company, they can not find a record with my name on it. I would like this charge removed from my credit report or Portfolio Recovery to provide me with an orginal agreement that I signed with them or a break down of the charges that will equal {$910.00}. I have been making this simple request for over a year now. Please try to get this company to remove this negative information from my credit reports.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NY)

On XXXX XXXX 2018 XXXX XXXX d.b.a. Ally Bank decided to close my account ending in XXXX without specifying a reason and deposit the {$0.00} in my checking account ending in XXXX. XXXX the floor supervisor stated that my checking account ending in XXXX was also in Jeopardy. The bank is relying on the catchall clause regarding its right to deny service for any reason. I have been an account holder for 10 years. My XXXX check goes to them. They stated that I had no right of appeal and offered to forward the XXXX check. The current checking account balance is XXXX
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank Credit Card 's Fraud Department has made a series of gross errors & incorrect actions due to their internal confusions & their lack of continuities with their disjointed processing over various departments, each different depratment, not know what the other department is doing, resulting in incorrect information being transferred & erroneous decisions being made against the interests of its customers, who bear the impact of its wrong decisions & actions. 

Attached herein are the erroneous decisions & actions carried out erroneously by less than professional staff of Chase Bank Credit Card, first assuming there has been fraud & unilaterally shutting my Credit Card Account by jumping to the wrong conclusion & assuming fraud has been committed, without checking or verifying with us, the customer ( victim ) BUT in actual fact, there is NO FRAUD WHATSOEVER!!! 

In the attached Chase letters, Chase jumped to the conclusion that I claim forgery, when IN ACTUAL FACT, I never claimed any forgery!!! 
Chase unilaterally, without checking nor verifying with me, wrongly informed & instructed various Credit Score Companies of NON-EXISTENT FRAUDS & /OR FORGERY!!!!

Subsequently, after I have officially written in to inform Chase Credit Card Fraud Dept. there ther has absolutely been NO FRAUD, NO FORGERY COMMITTED, then Chase Bank then sent its retraction letter & started its DAMAGE CONTROL processes. However, Chase 's erroneous mistakes have already caused its damages to its client, namely me!!!

Consequently, Chase Bank Credit Card has its official duties to its customers to put right, rectify, restore & reinstate its customer 's correct positions before what Chase has wrongfully done, by normalizing my credit cards back to its original position.

Chase Bank Credit Card has requested for my various documents which I had complied to the letter & sent them to Chase at their branches, that led to their official credit card approval & issuing the physical card to me. The Chase Bank has acknowledged receipt of my various relevant documents & on that basis, official approved the cards!!!

Hence, Chase should respect & honor its own decisions & caused so much distress to its client, namely me!!!
Consumer complaint received 2019-01-10
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. (LA)

I submitted a formal dispute with Experian, XXXX  and XXXX  on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested Experian, XXXX  and XXXX  to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. XXXX, Experian and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand Experian, XXXX  and XXXX  be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX/XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.