davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC (TX)

-My husband 's direct deposit did not go through for the week of XXXX XXXX XXXX XXXX due to the processing error with the XXXX XXXX and Federal Reserve issue . Our XXXX XXXX account was overdrawn. It was an error by XXXX XXXX XXXX, which is the private operator of the XXXX XXXX XXXX payments system that works with the National Federal Reserve. The Federal Reserve was working with banks to rectify the situation and pay those who were affected and whose direct deposits did not get deposited as expected. My bank just rectified the situation late last night on XXXX XXXX XXXX  and the paycheck that was missing was finally deposited into my account. -Because my bank took so long to correct the situation, I am being charged a {$30.00} fee for a {$20.00} gas purchase/transaction on XXXX XXXX from XXXX and by debt collector CheckRedi Payment Services XXXX I have tried to get it waived and no one can eliminate it. 
This recent inability to access my funds, was not my fault or my banks fault. It was an error on a larger national level and I feel I should not be penalized by overdraft fees, late fees or other penalties. It was the error at the national level with TXXXX XXXX XXXX and the Federal Reserve. 
-They told me " We do not remove fees for bank errors. You would have to seek re-imbursement from your financial institution if their error occurred you a fee. Your balance owed with fee is {$50.00}. You may call back to make arrangements, or you may pay the balance in full online at https : //www.checkredi.com/pay-online.cfm. 
Please keep in mind that our system can randomly resubmit the transaction and fee to your account if a payment is not made. '' -They also told me, " That would still be the network your bank was using for deposits. We were not made aware of any issues. Also indicated in the letter from XXXX which is prior to your purchase and you were already supposed to have the funds available upon the purchase at the point of sale, up to 1-3 business days. We can not waive the fee. '' -It 's very unfair that no one has communicated this information to all businesses and that I am being charged a fee for an error that I am not responsible for.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp. (TX)

I was not informed that my vehicle was being reposted until a tow truck showed up to my house without prior knowledge. When asked about why he was there I was told he was doing his job. Twice prior a car drove by as if it was recording me or my neighbor 's houses. After the tow truck which was months later another car drove by recording and taking pictures of our houses. On XX/XX/2023 acar came pulled up in front our houses and set. As a XXXX XXXX, XXXX XXXX  of XXXX and a XXXX XXXX  survivor, I became weary and anxious so I called the police. The police informed me they were repo people and made them leave from sitting on the corner for an hour. Today XXXX XXXX a weird truck sat out side my house for over an hour. When I asked if I could help him, I was again told I'm just doing my job that he was a utility worker. But it looked as if it was the same driver of the tow truck. I get XXXX to XXXX calls a day whether I talk to them or not and now I'm being stalked outside my house. I'm scared to leave because I don't know who the individuals are. Only thing I've been told is I'm doing my job. This should be considered predatory and dangerous practices. I really hope you can help me rectify this situation.
Consumer complaint received 2023-07-21
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/XXXX, I reported 8 transactions for fraud, because I did not make these transactions. CIti however found me responsible for these transactions even though I did not place these purchases. Citi called me asked me 3 questions, and automatically made me responsible for them. I am requesting written documentation and proof from the merchants or vendors for these transactions. Also requesting written documentation and supporting documents from Citi on why these transactions are not fraudulent. Feels like Citi is just automatically assuming responsibilities on the consumers.
Consumer complaint received 2023-11-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I received a fraudulent debt collection notice from Columbia Debt Recovery XXXX, dba Genesis on XX/XX/XXXX via email. 

This is for a rental property I stayed in over a year ago in XXXX XXXX. I have written confirmation that all payments were made before I left the rental property and moved to XXXX. 

The amount the building management wanted me to pay {$4000.00}. We paid that amount fully as follows and are attaching proof of payment for the same : XXXX ( me ) : {$1900.00} - paid on XX/XX/XXXX XXXX ( roommate ) : {$2000.00} - paid on XX/XX/XXXX When I searched on XXXX for this company, I saw a ton of reviews saying that XXXX ( the landlord ) and Genesis work in cahoots to scam innocent people like me. I think this is a broader collusion and there needs to be an investigation. 

I can provide all relevant evidence, please email me and I will be happy to help. 

I am most concerned of the impact on my credit score and want to block them for reporting it. 

Thanks, XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I am reaching out in regards to a debt that I do not have any knowledge of. As shown on my credit report it is stating that I owe {$4500.00} to XXXX XXXX and that the account was opened XX/XX/2022. I am requesting for more information of my full identity, signatures with my name and receipts of this debt to get a better understanding on how I owe this amount. I am also requesting a goodwill deleting of this trade line off of my credit report seeing that I do not have any knowledge of this collection.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2023-11-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (MI)

To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( s ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (KS)

On XX/XX/XXXX I made a payment through my bill pay for {$87.00} and it was not applied to the card or returned back to the bill pay. 
On XX/XX/XXXX I made a payment for {$120.00} through my bill pay and it was not applied to the credit card or returned. They have been charging me interest and late fee even though the card is paid and even when we send over the wire trace details the Barclays Team is not applying the payment. 
The customer service people do not have access to the payment application team and my payments seem lost. I have called numerous times and a provisional credit gets applied then unapplied. 
They are also not returning the payments back to the bill pay service so they are taking the funds and I am not sure what is going on there. My payments are lost and you can not talk to anyone who can actually rectify the issue.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following ITEMS from my file. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (FL)

I am writing to file a formal complaint against Vanilla Visa and Incomm, outlining multiple instances where I believe consumer protection regulations have been violated, leading to a distressing and unsatisfactory experience. 

1. Dispute Cases : XXXX and XXXX On XX/XX/XXXX and XX/XX/XXXX, I initiated dispute cases with Vanilla Visa, addressing unauthorized charges on my account. Despite providing necessary documentation promptly and signing required forms, the handling of these disputes has been marred by a lack of transparency, unreasonable delays, and unprofessional behavior from Vanilla Visa representatives.

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to promptly investigate and resolve reported errors or unauthorized transactions. 
2. Address Update Issues : On XX/XX/XXXX, I contacted XXXX to update my address from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  FL XXXX, to XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX. Despite providing valid proof of the updated address, there appears to be confusion on the part of Vanilla Visa, as indicated in their email on XX/XX/XXXX.

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to update account information promptly and accurately. 
3. Refund Status and Documentation Requests : On XX/XX/XXXX, I was informed that a check was sent out on XX/XX/2023. However, as of XX/XX/XXXX, I have not received the refund, and there have been repeated requests for additional documentation. 

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to provide timely refunds for unauthorized transactions.

4. Unsatisfactory Customer Service : I have encountered unprofessional behavior from Vanilla Visa representatives, including being hung up on, given an attitude, and conflicting information about the status of my cases.

Regulations Violated : Unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

This entire experience has left me deeply dissatisfied, and I firmly believe that the outlined actions are in violation of established consumer protection regulations. Enclosed with this letter, please find the relevant supporting documentation.

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate a fair and timely resolution to these matters. Your assistance is crucial in ensuring that consumer rights are protected. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

As soon as I bought my new truck there were additional extended warrantys/ services. I called the next day to get them removed signed and return the cancellation forms and its been over 3 months and the extended services have not been taken off the f my total balance owed on the truck.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-11-15
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. (IN)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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.. 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. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX XXXX {$850.00} 2. XXXX XXXX XXXX XXXX off {$210.00} 3. XXXX XXXX XXXX XXXX Paid closed/never late 4. XXXX XXXX XXXX Missed/late payments 5. XXXX XXXX XXXX XXXX {$990.00} open balance 6. XXXX XXXX XXXX XXXX {$3300.00} 7. XXXX XXXX XXXX XXXX XXXX {$550.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (TX)

A company by the following name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX Amount Reported : {$320.00} The above named company is appearing on my credit report and reporting a COLLECTION/CHARGEOFF. I have never done business with this company and believe that I am being defrauded by someone. This is hindering my ability to pursue and qualify for personal and business loan products. Please help me to remove and repot this fraudulent account from my credit profiles. 

Lastly, there are inaccurate previous addresses being reported on my credit profiles. The only address from the list that I have lived at is the following : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Please assist in having this information reported accurately and true. 


Thank you!
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have a checking account with Chase Bank in XXXX, CA. This is a Trust account which has been with the bank for many years. Recently bank requested trust documents for verification that I submitted. Bank restricted my account without any written explanation. My calls at customer service number did not yield any result. I requested the bank to send my money by check if they did not wish to have the Trust account any more. I am not getting the money, nor any explanation from the bank. Please help me resolve this ASAP. 
XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be 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 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 XXXX XXXX XXXX XXXX