davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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: CITIBANK, N.A. (CA)

On XX/XX/2023, I was charged by XXXX XXXX for a service I did not receive. 
On XX/XX/XXXX, the original charge was voided. 
XXXX XX/XX/XXXX, I was charged again for the service I did not receive. The Citi representative understood there were two charges and one voided charge. The Citi representative determined which charge to contest. 

On XX/XX/XXXX, I contacted Citi and disputed the charge. 
Citi issued me a conditional credit. 

On XX/XX/XXXX, Citi ruled not in my favor, because the XX/XX/XXXX charge had been XXXX XX/XX/XXXX, Citi reversed the conditional credit. 

I called Citi again and re-opened the dispute. I explained again there were two charges and only XXXX was voided. Citi ammended the claim so that now the dispute was for the second charge, not the first charge. 

On XX/XX/XXXX, Citi issued a letter saying that the dispute had been resolved in my favor, and that the conditional credit was permanent. The letter stated that no further action was needed on my part. However, The conditional credit had been reversed on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Citi to re-open the dispute. The representative said that they could see that the dispute had been resolved in my favor, that the conditional credit was permanent, and that the conditional credit was cancelled. The request had to be forwarded to a department that was closed. Since it was late Friday, he said that someone would call me on Monday. 

On XX/XX/XXXX, I called Citi. The representative did not have a record of the call. She said that the audit department did not call people. She said they would typically address the request in XXXX days. 

On XX/XX/XXXX, there is no update from Citi. I will call them and inform them that I have issued a complaint. The most troubling thing is that Citi issued a letter saying " There's nothing else you need to do. '' Since this is just plain false, and since Citi has all of the information needed, I see this as evidence of Citi deliberately misleading a customer with a dispute.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Stellantis Financial Services US Corp. (TN)

I bought a XXXX XXXX XXXX  and it was financed for 60 months is what I thought in the beginning but I am being told XXXX payments. I have had this vehicle since XX/XX/XXXX and I traded in another vehicle as a down payment for this one. Well my loan was suppose to be paid off back in XX/XX/XXXX of this year but XXXX Investors extended my loan saying due to I had XXXX payments deferred which totaled XXXX and that they would be put on the back of my loan to extend it to get those XXXX payments. After that deferment I have made every payment after that. As of this email I am due for my XXXX. First investors never explained to me the interest on the deferred payments and I asked what would happen to those payments and they said they would be put to the end of my loan so now they are saying I owe XXXX and I asked them if they would be willing to take the amount of the deferred payment and they said no they would need XXXX and would put my account as paid for less than owed or something like this. Then I get a email stating I only made XXXX payment, how is that when I only deferred XXXX payments. I believe this company is doing something fraudulent because theres no way I only made XXXX payments since I had this truck. Its going on XXXX  years where as if my contract was suppose to be paid in full in XXXX of XXXX. Have you ever heard of someone paying on a vehicle for XXXX  years?? Please investigate them and their practices because its not adding up for me. I admit I have had a few hiccups but since my deferred payments when they were late I would get caught up and pay extra on my account. So something isnt adding up
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I am writing that FIRST NATIONAL BANK OF OMAHA is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the FIRST NATIONAL BANK OF OMAHA. Since the FIRST NATIONAL BANK OF OMAHA decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Upon receiving this notice, I implore you to CEASE AND DESIST further communication through all mediums regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ). It is unlawful to furnish any form to create a false belief to coerce payment for this alleged debt through deceptive means. Pursuant to 15 USC 1692d ( 2 ) the use of obscene and profane language in this correspondence was very abusive for me to read!! Not to mention the unfair means used to attempt to collect this alleged debt by attempting to add additional fees to the alleged principal amount giving false representation of not only the status, but the amount of this alleged debt.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (CA)

I received a email from XXXX XXXX XXXX  prompting me to review my file as there had been a change to my credit file and I discovered after reading through the 5 pages, that the same company who has been continuously harassing me as well as ruining my fico score is the same company .I have attached the 5 pages. This is the company that claimed I ordered a mail order and I did not do such a thing. They also said that they were going to contact collections and they also did that they need to be stopped and I have tried to do so and I would like to ask for your help as they will not stop. I have did what they wanted and that was to send them a affidavit stating I did not make a mail order. That has not stopped them they have continuously reported negative to XXXX, XXXX  XXXX  shows my score as a XXXX and that is correct as I have worked hard to get my score that way so that I could buy a house. They are using 3 different names and it started out as one.They have used different amounts that they state I owe.
Consumer complaint received 2023-07-26
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-05
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. (TX)

XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Account Information ( Account Number : XXXX ) Dear XXXX I am writing to formally dispute inaccurate information regarding an account reported by XXXX XXXX XXXX, with account number XXXX, which is currently appearing on my credit report. The information being reported is incorrect, and I am requesting an immediate investigation and removal of this account from my credit file. 

Disputed Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate information ( please specify inaccuracies here if you know specifics, e.g., incorrect balance, misreported payment status, unfamiliar account, etc. ) This inaccurate account is negatively impacting my credit score and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate credit report, and I am requesting that you : 1. Immediately investigate this account for inaccuracies and provide all documentation verifying the legitimacy of this debt as it pertains to me.

2. Remove this account from my credit report if it can not be verified as accurate within the allowable timeframe. 
XXXX. Confirm in writing the outcome of your investigation and provide me with a new copy of my credit report that reflects these changes. 

If XXXX XXXX XXXX can not provide proper verification of this account, I respectfully request that this item be removed from my report. I also request that the credit bureau update me within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I intended to pay off my Toyota car loan in late XXXX and had received an official letter stating that my loan was paid off in XX/XX/2023 ; the bank link was deleted, and Toyota fiancials sent me a letter showing the car was paid off. In late XXXX, I received a letter showing that my car payment was late. I called and attempted to make another payment, was informed that there was no bank information on my Toyota account and was charged XXXX dollars late fee but as I linked the bank again, it was settled. In XX/XX/2023, I received another letter about the late payment and past due 60-90 days. I called Toyota financial services, was told that the payment I made did not go through and it was because " I didn't have enough money to pay off the balance. '' The link automatically disappeared. After a couple of calls, the customer service took the payment verbally. I still have not received anything on the title, or the pay-off letter. They still reported me as late due 60-89 days on my credit bureaus. I am looking for help to get this corrected on my credit report, and apologies for the hassle when i tried to make a full payment of my car payment.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (KY)

The debt collector in question - Dynamic Recovery Solutions - took recovery of a " debt '' originally held by XXXX , XXXX that occurred due to credit card fraud that was reported at the time. 
The credit bureaus expunged the debt and credit card account from my history as - at the time - XXXX XXXX and XXXX XXXX  - where the fraud occurred - was working with me to build a fraud case against the individual. XXXX XXXX and XXXX dropped the fraud investigation and sent the debt to collection at XXXX , XXXX, when I stated that I could not pay the fraudulent charges. 
I communicated this information to XXXX , XXXX several times, challenging the debt, but they persisted for years. 
Recently - in mid XX/XX/XXXX, I received a letter from Dynamic Recovery Solutions that was trying to collect on the debt, but admitted in the letter that the debt was no longer recoverable or actionable unless claimed/admitted to the debt, paid the debt, promised to pay, waived the statute of limitations or asked for verification. 
As I was not wanting to deal with this, I ignored this letter, as they admit themselves that the debt is past the statute of limitations and is not actionable. 
Today, XX/XX/2019, at approximately XXXX XXXX EST, I was called by someone who stated their name and asked for someone with my name. I asked who they were, they restated their name and asked if I was the named individual. I said that I was, at which point they committed a potential crime, of which I am reporting here. Note, this individual did not immediately state who they were calling on behalf of when asked, did NOT state that she was with Dynamic Recovery Solutions or that she was a debt collector. 
What I am reporting now is the potential crime and violation of the FDCPA : once I stated that I shared the name of the named individual, the caller began stating the social security number over the phone - completely without any prompt or question, as well as in violation of Federal law in accordance with the FDCPA. 
I was shocked and flabbergasted, so I told them not to call me again and I hung up. I called their corporate number to bring this up to their manager, who promptly stated that this is standard procedure, and then tried to collect on the false, fraudulent debt. At that time, I stated that I am not calling about any debt, but to give them notice that what they were doing was unethical, dangerous and potentially illegal. The person kept trying to get me to admit any claim or verification, at which time I reiterated I was not answering any of their questions, that I was calling regarding their severely dangerous, unethical and potentially unethical practices, and not to call again. 
I researched this issue, as I was and am still quite upset that someone would start telling someone another individual 's social security number over the phone, only to find that this was indeed illegal.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FactorTrust, Inc. (NJ)

XXXX refuses to acknowledge CFPB complaints ; they insist on consumers such as myself submitting disputes directly on their website. A website where youll be met with various error codes preventing you from submitting your dispute. They are in violation of my rights under the FCRA! According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-07-25
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy WESTERN FUND Account Number : 1731 Please remove it from my credit report.

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX FL XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

i have a collection account on my credit report from portfolio recovery which is the company that purchased the fraudulent account from a company by the name of XXXX XXXX in the amount of {$1000.00}. I have tried to dispute this account on the XXXX website as well as by mail. I believe i mailed the validation letter in XX/XX/2023. I was sent a credit card statement as supposed proof that i owned the fraudulent account. There are currently remarks on my credit report stating that portfolio recovery did a FCRA investigation and that the customer does not agree. I do not agree to paying these fraudulent charges.
Consumer complaint received 2019-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/19 I added a XXXX XXXX to my PayPal account and set it as my method of payment. I paid {$100.00} for an invoice through PayPal and they took an unauthorized payment for {$100.00} from my checking account and {$100.00} from the XXXX XXXX I have on file. I essentially lost {$100.00}. I sent an e-mail to PayPal asking for an explanation and to get a refund. The first e-mail was an auto-e-mail with no useful info. The 2nd e-mail stated that I have to call the toll free number and speak to a rep. I e-mailed them back stating that it is difficult to communicate with them via phone because of long hold times. I tried calling and was unable to speak to anyone after a couple attempts and 40 minutes of hold music. I have had issues with PayPal previous for unauthorized transactions.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I contacted my bank CAPITAL ONE 360 CHECKING ( CASE # XXXX ) in regard to a returned payment which occurred in XXXX. On XX/XX/XXXX & XX/XX/XXXX I loaded a total of {$640.00} cash onto my CAPITAL ONE 360 CHECKING debit card at XXXX so that I could pay down my CAPITAL ONE PLATINUM SECURED credit card. On XX/XX/XXXX I initiated a transaction to pay CAPITAL ONE 360 CHECKING credit card in the amount of {$290.00}. This transaction was " Rejected '' on XX/XX/XXXX by my bank CAPITAL ONE 360 CHECKING when, according to my bank statement, my balance was {$310.00}. 
I have spoken to both the credit card and debit/bank departments in an attempt to have this matter rectified. Although CAPITAL ONE claims to have no fees, this erroneous returned payment resulted in my CAPITAL ONE PLATINUM SECURED credit card being " overmaxed out '' way past my credit limit. I have attached scans of my banking statement and correspondence with CAPITAL ONE 360 CHECKING.
Consumer complaint received 2023-07-25
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. (WA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

My entire student loan debt was XXXX in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is XXXX under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect XXXXXXXX XXXX but my attempts with XXXX XXXX XXXX  have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by XXXX XX/XX/XXXX.