davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (MI)

After submitting multiple disputes with Experian and reviewing the results of the investigation, Experian continues to fail to acknowledge and remove this inaccurate and incomplete XXXX account from my consumer report. I've made multiple efforts to resolve this matter directly with Experian. I have sent formal letters with documentation highlighting the discrepancies between the consumer reports of the 3 major credit bureaus. However, Experian did not complete a thorough investigation and proceeds to openly violate federal statutes and my personal rights casting an unwarranted shadow on my character, creditworthiness, and overall financial standing. I ask that the Consumer Financial Protection Bureau step in once again to bring attention to this pressing matter to remove this inaccurate and incomplete account from my consumer report.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Asked for debt validation of this all edged debt with any contract they can send me saying I owe them money that was signed by me, a breakdown in charges including collection fee breakdown, original bill itemized statements, debt collection license number for the California. Im not required to pay a debt I am not responsible for and you are unable to prove that I am. The vagueness makes me think they already know It isnt mine and theyre trying to collect money from me for something that I am not responsible for by strong-arming me with threat of damaging my reputation which is actually theft and defamation. This debt collector who doesnt have a debt collection license and wouldnt give me a number that I can verify that is license pending Refused to send me any of the documentation I asked for. This is misrepresentation and According to the FDCPA I am entitled to more than a vague response.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CO)

Citibank closed my account on XX/XX/XXXX and sent me the remaining funds in the mail in the amount of {$4900.00} and told me I needed to contact the state of Colorado to reissue tax refund checks, as they did not process these checks. These checks were apparently the reason my account was marked as fraud and closed. However, the state of Colorado contacted me via mail and told me Citibank DID in fact cash my checks. I was able to obtain a bank statement ( which I have requested in the past ) from Citibank, which confirmed they did cash my check, and shows my closing account balance as {$5700.00}. I am missing {$710.00} which Citibank has not refunded me and has kept in their possession since XXXX.
Consumer complaint received 2024-09-12
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

In accordance with the Fair Credit Reporting act You are reporting the wrong address of XXXX XXXX XXXX XXXX XXXX  XXXX, attached is my proof of my address delete and remove all address thats reporting in error only one address should be reporting XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX XXXX AACT # XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX AACT # XXXX, XXXX  XXXX XXXX ACCT XXXX XXXX, XXXX  XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX & XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX XXXX XXXX ACCT XXXX XXXX  has violated my rights XXXX 

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 an 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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX of XXXX  I had received pre-approval letter from Capital One for their XXXX credit card. The letter also states that if I open a XXXX credit card account with them by XX/XX/2023, and spend {$500.00} on purchases within 3 months of opening the account, I will earn a {$200.00} one-time cash bonus. 
By XX/XX/2023 I had spent over {$500.00} on purchases and didn't receive the {$200.00} cash bonus that I was promised. I called capital one and spoke to a few different representatives from their rewards department regarding this matter but they all made up different excuses why I'm all the sudden not eligible for the bonus.
Consumer complaint received 2018-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (LA)

Earlier this year I noticed that my XXXX Credit File appeared to have an outstanding collection from the Creditors Bureau Associates for {$380.00}. I have reached out to this company directly twice via certified mail ( receipts attached ) to no avail. I have asked the company to send debt validation to me. They responded via mail that I am outside of the statue of limitations. I sent a response to the company to say that if they can not validate the debt, it should be removed. The company did not respond. I have no idea where this information was obtained, however it is being reported erroneously to XXXX. I ask for some assistance handling this situation with Creditors Bureau Associates as they are unwilling to provide me with an information as to where this debt was originated.
Consumer complaint received 2023-08-17
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. (NY)

My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (MI)

I have a fraudulent collection from XXXX XXXX XXXX XXXX aka CKS financial showing up on my credit report for {$770.00} which I have asked XXXX XXXX XXXX XXXX to provide a validation letter to me about so that I could express my civil rights to review the information and make any disputes. I followed up on XX/XX/23 by filing a complaint against XXXX XXXX XXXX XXXX on CFPB website due to harassing amount of unanswered phone call and lack of response or a validation letter upon original request. Even after requesting again for validation XXXX XXXX XXXX failed to provide me a validation letter and it has been well over 30 days. According to Section 1692g in Title 15 of the U.S. Code This section of the Fair Debt Collection Practices Act discusses a consumer 's right to have the debt collector validate a debt for accurracy. Collection efforts must cease while it's being investigated. I am now within my right to sue the collector. According to my legal counsel XXXX XXXX XXXX XXXX should not be reporting this erroneous collection on my report without even providing me validation or a chance to dispute it.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc. (NV)

I HAVE TOLD AARGON TO CEASE AND DESIST ANY COMMUNICATION WITH ME. THIS MEANS BY MEDIUM, INCLUDING MAIL. I HAVE JUST RECEIVED A LETTER BY A PERSON BY THE NAME OF XXXX  XXXX   IN THE MAIL THAT THEY ARE ATTEMPTING TO GAIN INFORMATION FROM ME TO PROVE THAT I AM A VICTIM OF IDENTITY THEFT. I AM NOT REQUIRED TO PROVIDE ANYTHING TO THIS COMPANY AS I DO NOT OWE THEM ANYTHING AND HAVE NOT ASKED THEM TO INVESTIGATE MY CLAIM OF  IDENTITY THEFT. CONTACTING ME AFTER I HAVE GIVEN THEM INSTRUCTIONS TO STOP IS A DIRECT VIOLATION OF THE FDCPA 15 USC 1692c(c) et seq.THIS COMPANY IS STILL SAYING I "OWE" AN AMOUNT OF XXXX AND IS STILL TRYING TO TO COLLECT ON THIS DEBT I TOLD THEM I DONT OWE. THIS CONTINUED CONTACT WITH ME AFTER THEY WERE TOLD TO CEASE AND DESIST IS ALSO A VIOLATION OF 15 USC 1692d AS AARGON IS CONTINUING TO HARASS ME. THIS FURTHER COMMUNICATION WITH ME IS DISTURBING TO MY PEACE AND CAUSING ME EMOTIONAL DAMAGE AND HARM.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (FL)

back in XXXX or XXXX i purchased car XXXX XXXX XXXX i through a company call XXXX with my son after the disaster of covid 19 i reach out to the company regarding my payments due to covid 19 struggling with my bills and losing my job i kept making payments as possible with the little money a had but i ran out of money and i couldn't afford to make the payments no more i spoke to a rep to see if they can work something out with me they explained to me that it would not affect my credit report years later now im getting hit with a appeal from court after the fact they would tell me it going to be taken care of the charges that i'm seeing on my credit report is incorrected and wrong its not fair that due to my situations of covid 19 i still have to deal with this now it cause my credit score to be in the negaitive with no help and i gave them the car back with no demages please someone can assist me in need what to do now.
Consumer complaint received 2023-08-17
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2023 I downloaded an app from the XXXX XXXX. I was prompted by the app that in order to use it I would need to sign up for the free trial and then pay {$40.00} after the 7 day free trial expired. So I proceeded and was immediately charged the {$40.00}. I suspect this is a scam the app developers use on unsuspecting people. I did not authorize the app to charge me {$40.00}. I reported this problem to XXXX and they are telling me I am forced to pay even though I was scammed. So I am elevating this.
Consumer complaint received 2019-03-21
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. (NC)

XXXX  and Transunion are reporting me incorrectly 120 days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-04-17
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. (FL)

We purchased several lights for our house from a furniture company on XX/XX/XXXX totaling to over {$3200.00}. After being promised we would receive merchandise within 10 days of purchase, we never received the merchandise delivery. The furniture company kept saying the merchandise was not shipped yet or stuck at customs. After waiting 1 month since purchase and never receiving merchandise and no new expected delivery date, after numerous follow ups with the vendor, our request for refund was declined by the vender. We were left with no choice but to file a dispute with our credit card company Citi.

Citi bank dragged out the claim for 5 months. We have called and followed up with Citi many many times with no resolution. Since XX/XX/XXXX, Citi has repeatedly promised over the phone that it was resolved permanently and would receive the status via email. But we have received a couple " dispute update '' emails ( the latest on XX/XX/XXXX ) stating a conflicting message. The emails stated that the investigation was still ongoing and there is still no resolution. We have spoken to several supervisors of billing department and dispute department who told us that they have no control over the dispute update which is supposed to be sent by the investigator who can not be reached by either us or Citi 's own supervisors of Billing and Dispute departments.

The bottom line is that the credit should be awarded to us PERMANENTLY ( NOT " CONDITIONAL '' ) after 5 months of back and forth and Citi 's " investigation '', since we have never received merchandise. Unfortunately, Citi has handled this simple dispute extremely unprofessionally!
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit 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. (TN)

1. Two fraudulent charges were made to my XXXX XXXX credit card totaling {$1200.00} as stated below : a. {$210.00} - charged on XX/XX/XXXX b. {$1000.00} - charged on XX/XX/XXXX 2. On XX/XX/XXXX, I filed a fraud claim with XXXX XXXX Fraud Investigation Department. ( See uploaded XXXX XXXX Fraud Docs ) 3. On XX/XX/XXXX, I received a formal letter from the XXXX XXXX Fraud Investigation Department stating that their investigation was completed stating, " As a result, we removed the disputed charges and any related fees and interest charges from your account. '' ( See uploaded XXXX XXXX   Fraud Docs ) 4. On XX/XX/XXXX, the charges had been removed, only to be transferred to my new XXXX XXXX credit card, and have remained since that time charging me interest.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (NY)

Hi this complaint is in reguards to Wells Fargo and there applicability to any freeze they would have ; Stoping me from being able to clai my unclaimed funds ... the imidiate issue is i have added due to me adding an O, to the end of my last name because i was informed by the worker at the original location of where i spent money provided store credit only and a card i could use at there store only ... ... ... .and then when the store which is the XXXX XXXX  ... further upgraded my store credit card to an offical credit card by XXXX, or XXXX   XXXX without my consent and i am without ability to claim the item ... 
All i did as i stated was added an o to the end of my last name ..my social security is tied to the account for Escheatment of all things and i still cant get any answers with ... from there as well as providing a false address due to thats only a trivial gifting card for merchant profit pertaining to that store only ... the reporter is stated Wells Fargo when XXXX is the origial repoter there for the issue is to be handled with them as well by them i need help please ... Exspidite i have a copy of my new just purchased copy of birth certificate ... .. and documentation proof of my statements i will provde. I also have a XXXX Set aside trust that Wells Fargo has a freeze on aswell but just noteing to provide awareness
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

PORTFOLIO RECOVERY ASSOCIATES INC I continue to dispute the accuracy of the two debts you have in your office. In every complaint I have asked over and over that you please provide me with a copy of the contract with my signature on it that shows the legal obligation that I have to pay you Portfolio Recovery Associates INC the amount you say that I owe. Since XXXX XXXX  2017 you have been reporting derogatory information to all three credit reporting agency and even though these two account were in direct dispute rather then halting collection activity during the dispute process you continued to collect and report this information to the credit agencies with the direct attempt to damage my reputation and finances. I would like to point out the follow under the FDCP 809. ( b ) and 812 section ( a ) Based on validated information from all credit reporting agencies and copies of my reports along with the certified letters that were sent to you disputing this information you clearly continued to collect during the disputed process time frame by reporting and continue to report the invalidated derogatory information even though it's still disputed to this day. The only thing that you have provided is photo copies from another company, that is not even your own in a pdf format that can easily be modified or changed.
Consumer complaint received 2024-09-13
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. (IL)

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 1 602 ( a ). states I have a right to privacy. 15 U.S.C. 1681 604 ( A ) Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

On XX/XX/XXXX I had XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX I made a payment to Navient in the amount of XXXX. I was on maternity leave with no pay after I gave birth so I used the remaining amount in my bank account to pay Navient. I called Navient that next week stating if I could lower my payments because I am not receiving any income do to XXXX XXXX. They stated that my co-signer should be the one assisting payments for me. I explained to the Navient representative that I do not live with my co-signer and I do not have any contact with them. They stated that there was nothing that they could do to lower my payments due to income but they can put my account in forbearance which the interest will still accrue on. I was not given any other options but to choose forbearance so XX/XX/XXXX, I paid the fee of XXXX to start the forbearance process which was 90 days. This past week of XX/XX/XXXX because of the delinquency email I have received that week. I called Navient again and stated that I could not pay the full amount that they were asking for and I requested to have my payments lowered. They said that I had 3 co signers on my account and asked that none of these people could not help me. I stated that there is only 1 co-signer on my Navient loan and no I could not. I have an infant child and little to no income. they asked my to verify how much money I am spending on what, once I verified this information. The representative stated that I would only have to pay XXXX monthly for 6 months, they I would need to reapply. I said that was okay and consented. the representative stated that this was not a forbearance so when I agree on the prompt it will say that but just agree. I agreed and the payment of XXXX was scheduled on XX/XX/XXXX. I had not received any notification that the payment was processed so I called Navient and state my concern they said the day off it may not show it takes 24 hours for the forbearance to show. I told her that the representative I set this up with stating that this is not a forbearance, the new representative stated that it is a forbearance program