davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (MI)

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the fair credit reporting act *XXXX* XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 
15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an 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 purpose. I am not a third party I am representing myself. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. 
The account status is DIFFERENT with all three credit bureaus. 
The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. 
And again... all of this is PROVEN in the file attached to this complaint.
Consumer complaint received 2022-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

XXXX XXXX Fifth Third Bank , National Association XXXX We refinanced with the same lender XXXX  ( operating under Fifth Third Bank ) and they charged us {$35000.00} in pre payment penalty despite their contract stating no pre payment penalty will be assessed. XXXX now XXXX has acknowledged the pre payment penalty but no remediation measures are taken. 
All our dealings are with XXXX including loan documents, they did not let me accept another loan from different lender even when I was getting a better lower interest rate and further forced me to accept higher interest rate with pre payment penalty!
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was rebuilding my credit, until my card was restricted. And the the credit company and bank account wouldn't accept the payment. Just after making a large payment. The account went excessively over as if they wouldn't let me access my own name.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, WI 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 1681 Section 623 ( a ) ( 5 )
Consumer complaint received 2022-08-07
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. (OK)

In accordance with the Fair Credit Reporting Act the attached accounts, 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 2022-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (UT)

LVNV is required by law to send correspondence debt of validity to my address. I havent received any debt of validity by mail. Failure to provide rights to dispute and reporting an alleged debt to the credit reporting agencies is against the law. Additionally, there has been active police investigations and reports filed due to identity theft for various credit accounts under my name. Immediate deletion of the credit reporting to credit bureaus is required as I am also sending this complaint to the CFPB as well for violating FCRA section 623 ( a ) as the data furnisher and the FDCPA for credit reporting an alleged debt without debt of validity being sent to me by mail correspondence to the correct address and reviewing active FTC ID THEFT reports and police reports before reporting this alleged debt to XXXX.
Consumer complaint received 2024-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

Dear CFPB, I am writing to file a complaint against XXXX and Capital One regarding a purchase I made through the XXXX platform. The product I received was faulty, and despite the advertised assurance money-back guarantee, I have only received an offer of {$300.00} from XXXX to resolve this issue, which I never received and is not satisfactory. 

The prices for products from this company fluctuate greatly ( see attached for details of the products that were sent ). I opened XXXX and tried to use it ; it is of terrible quality, with a pin that came out of the casing, making the attachment unusable. It is smaller than any steam mop I have seen, hard to use, and comes disassembled with no instructions. I wanted to return it, but they would not accept the return. Additionally, I was charged {$600.00} for shipping on these products. I hold XXXX responsible for the actions of their suppliers and would not have purchased if they had not posted the guarantee, which they have failed to honor. 

Order Details : Date of Purchase : XX/XX/year> Date Received : XX/XX/year> Return/Refund Requested : XX/XX/year> Capital One Dispute Initiated : XX/XX/year> Capital One Order REF : XXXX Purchase Amount : {$920.00} Refund Offered : {$300.00} Issue Description : I ordered what was advertised as a high-quality product. However, the goods received were a shoddy version of what was promised. This constitutes a breach of trust, as the supplier switched the product or misrepresented it. 

Protections Offered by XXXX : Delivery assurances : Expected delivery dates were not met. 
Secure payments : I made my payment under the premise that it would be protected. 
Easy return/refund policy : I followed the protocols, but my claim was inadequately addressed. 
I have disputed the charge on my Capital One credit card and submitted all required documentation, but I was never provided with a receipt. Capital One continues to send me the same request over and over, and they have refused to assist me with the charge, citing the manufacturers refusal to accept the return of the defective products. 

I have been in communication with both XXXX and Capital One for months since receiving the products in XXXX regarding this matter, and I believe their lack of support and false advertising is harmful to consumers. I am requesting that the CFPB take action to address these issues and flag both companies for their failure to honor consumer protections. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-07
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: Grant & Weber (CA)

A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again. 

I have sent a total of 16 letters between XXXX, XXXX, XXXX, XXXX XXXX and Grant & Weber collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave XXXX, XXXX, XXXX, XXXX XXXX OR GRANT & WEBER MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (DE)

While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in XXXX I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On XXXX the balance is being reported as {$9800.00} while on XXXX and Equifax the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX asking that they all be removed because I did not request credit with these creditors.. 
Thank You XXXX XXXX
Consumer complaint received 2022-08-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services (MD)

Identification of status to company LENDMARK FINANCIAL SERVICES cooperate office with billing errors with IRS pub. U.S.C. and UCC commerce and trade understanding with honor on UCC and was rejected and negotiable instruments with stipulations was deposited TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 16 CFR 433.1C 433.2 433.3 TITLE 12 USC 1431 12 USC 411 18 USC 8 HJR 192 73-10 ( CHAP 48.48 ) UCC 3 -603 306 311 501 502 104
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again. 

I have sent a total of 16 letters between XXXX, Transunion, XXXX, XXXX XXXX and XXXX XXXX XXXX collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave XXXX, XXXX, TRANSUIN, XXXX XXXX, OR XXXX XXXX XXXX MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

On Sunday, XX/XX/2022, I was trying to buy tickets for a XXXX game from someone on XXXX and it turned out to be a scam. Unfortunately for me, I did not know it was a scam until after I sent the money through XXXX using my PNC Bank account. I never got the tickets, and can no longer get the person who emailed and texted me to respond. I know it is a scam the more I have looked into it. I need someone to help me get my {$480.00} back. I contacted PNC within an hour or so of the transaction and they said to call back and dispute once the transaction had posted. It posted today so I called PNC back and they told me there is nothing they can do. Not exactly the answer I was looking for. Please let me know what I can do to try and resolve and get my money back from this scammer.
Consumer complaint received 2022-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I spoke with the Fraud Department of Bank of America who confirmed that a someone had used my name to apply for a credit card. Bank of America had approved the card ending in number XXXX. 

I then spoke with XXXX from the credit application department who assured me the credit card had been cancelled. Case # XXXX. 

Note : I spent more than 5 hours on hold dealing with the above departments. 

On XX/XX/2022, I received a letter stating that I've been approved for a Bank of America credit card ending in XXXX and should be receiving the card within two weeks. The letter said to " please call us 24/7 at XXXX '' if you have any questions. When I tried I got a message stating to call back when they are open.
Consumer complaint received 2022-08-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I forgot to make a payment on my XXXX XXXX XXXX for {$330.00} in the month of XX/XX/XXXX. A Toyota agent called me on XX/XX/XXXX and informed me of this and on the phone I scheduled a payment with the representative, the agent waived the late fee as well. The following days I checked my bank account, the payment pulled successfully on XX/XX/XXXX and I received an email from Toyota saying that the payment was posted to my account, I was now all caught up on payments. I then made another payment on XX/XX/XXXX for the amount of {$330.00}, this was to pay for the month of XXXX. XXXX I receive a statement in the mail saying that I owe two payments, one for the month of XXXX and XXXX for the month of XXXX. When I called Toyota they claim they never got my payment on XX/XX/XXXX for my XXXX XXXX. 
I reached out to them multiple times, I followed their protocol of faxing over my bank statement showing that the payment was pulled and never returned to me and I even had them notate in my account that the I did indeed fax over the bank statements to both numbers given to me. I had let the representative know that the fax was showing up on my end as no answer and requested some form of receipt for the fax to ensure it was sent but they told me there was no way to issue me a receipt but its rare that they dont get faxes. I paid my XXXX payment and then I called Toyota again on Monday XX/XX/XXXX to see if they updated my account as I sent the faxes on XX/XX/XXXX around XXXX. The representative let me know that the finance department was waiting to receive all faxes ( from XX/XX/XXXX ) and this agent said he would call me back the next day with an update, nobody ever called me back. They have never updated my account to reflect the payment or refund me and nobody seems to have an answer for me but I just got my XXXX statement and it shows that I still owe my XXXX payment and there is now a late fee. I have reached out and nobody seems to be able to mark my account as paid or re issue me a refund.
Consumer complaint received 2022-08-07
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: JPMORGAN CHASE & CO. (NY)

Subject : XXXX XXXX XXXX compensation, refund, rebook Message : On Saturday XXXX XX/XX/XXXX, I was scheduled on XXXX XXXX XXXX XXXX. Because of equipment unavailability, the flight was delayed past XXXXhe point of the upcoming layover in XXXX for a connecting flight. 

XXXX XXXX did set up a ground transportation voucher, and a connecting flight from another XXXX XXXX XXXX XXXX 

However, I was not compensated for any meals or the delay. 
In addition, the refund for XXXX has yet to be processed, even though a significant time has elapsed. 
I also need to book travel ASAP for a replacement flight, and a significant refund is being held up for XXXX, in addition the only active XXXX reservation is giving an error message. 
This was booked through Chase Sapphire and this process would be a XXXX times easier if booked through an airline instead of them, but either way there needs to be a prompt and fair resolution to reverse fraudulent charges, and avoid further legal action. Chase is using a subcontractor that is under investigation for abusing consumers. 

XXXX XXXX XXXX customer service rep yesterday, Chase is using a 3rd party XXXX ending in XXXX expiration date XX/XX/XXXX. 
This is instead of my Chase Sapphire XXXX card ending in XXXX, that was billed repeatedly for the original transactions. 
XXXX XXXX XXXX reps were unable to book future travel or process refunds because of the third party payment system info Chase refused to correct. 
There should be notes from customer service reps about my account and the pending transactions that need to be completed. 
I also request a fair accounting of where and when financial transfers are processed and a written trail to document the movement of funds. 
Please kindly investigate, expedite, and process compensation, refunds, and/or flights to correct this most unusual situation.
Consumer complaint received 2022-08-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA knowingly pulled my credit without my consent or permission while under credit freeze since XX/XX/XXXX. They were well aware that my entire identity has been stolen and used since XXXX as I documented with them by my former husband, XXXX XXXX XXXX and others ; I had to get another phone and found the letter dated XX/XX/XXXX. 

Thats a significant time issue for them as Im still trying to get MY life back. Now, they refuse to take accountability for their actions which are against the law. 

This is already at the US DOJ level and since they are aware of this, are not cooperating accordingly with federal laws and regulations.
Consumer complaint received 2024-11-01
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. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of 2007. I did not. No mono was requested or received for education as a loan or grant. I was not attending any college, university or trade school. I was not a student at this time.
Consumer complaint received 2022-08-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account xxxxxxx, XXXX Account xxxxxx, 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