davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

This is the sixth time that I am filing a complaint about the same issue. I have also filed a complaint to the Office of Comptroller of the Currency as a result of the noncompliance and the abuse done to me as the consumer. Discover is willfully and negligently not complying pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. My account has been closed under false pretenses. I began to dispute an unlawful inquiry made by Discover. Discover was the one who committed fraud and identity theft when pulling my social security and using my open end credit plan to open my credit card account. Near two years later, I found this violation of identity theft and fraud. My identity was stolen and then a finance charge was made to do the paperwork for opening my credit card equal to the amount of credit that was extended. I already requested paperwork to show the original creditor of the transaction, which is me. My credit gives Discover 's corporation life. The request for this information was covered up with documents that had nothing to do with my request. Discover knows that they are in the wrong here, and I as a natural person and consumer am protected by Congress and the laws under the Consumer Protection. In addition to this violation, Discover is wrongly attempting to collect the remaining balance on the account that was closed. Pursuant to 15 U.S. Code 1692, Discover is misrepresenting me as the consumer and using abusive debt collection practices to collect the remaining balance on my account. Pursuant to Civil Liability sections 15 U.S. Code 1640, 15 U.S. Code 1611, and 15 U.S. Code 1692k, Discover is liable to compensate me with monetary remedy.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021, I made a purchase at XXXX in XXXX Oregon for. {$37.00}. 

I am contesting the transaction # XXXX for {$180.00}. appeared on my bank statement XX/XX/2021. This transaction was not made by me. We called the store and let them know.l and the store called us back and said they have the people on camera making this purchase. Apparently the cashier did not close out the card so the following person or persons were able to make the purchase on my card. I reported this to the bank and they denied my claim and will not reverse the {$180.00} charge. A proper investigation was not conducted as XXXX said they have these individuals on camera. I absolutely did not make this purchase and want it reversed and the funds returned to my account. Thank you.
Consumer complaint received 2024-09-05
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. (TX)

My account with those creditos was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2021-12-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (CA)

I have contacted this company multiple times. I have ask for all documentation pertaining to this particular vehicle. Which they have never produced. They are furnishing false an inaccurate information onto my consumer report.. This situation has calls me extreme stress. Loss of sleep. And made other creditors not want to do business with me because of this inaccurate account being on my consumer report
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

on XX/XX/2021 I checked my EQUIFAX credit file via XXXX due to a fraudulent account being opened in my name through information provided by their service. A hard inquiry shows on XX/XX/2021 from XXXX XXXX that was used to open and account I want removed. the Equifax link to file a dispute ai.equifax.com does not work, I attempted to go to my account at EQUIFAX.com it shows my account is locked, it provided the phone number XXXX to contact customer care M-F XXXX est. this number does not work and has alternating errors when dialed. 
there evidently is no way to contact EQUIFAX at this time. 
All my other credit files are safely frozen and have been for 2 years.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (OH)

I was made aware of a seemingly erroneous debt that had come up on an apartment screening. When I learned of the debt servicer IQ Data International I attempted to contact them in order to resolve the issue. 

After they almost coerced me into paying a debt they had yet to verify. I asked for debt verification along with the proof of the agreement where this debt originated. Once I asked for this, the tone changed and the person on the other side of the line became very rude. Wouldn't stop talking over me, and eventually responded with " I don't care what you have to say '' essentially no longer listening to me and only wanting me to pay up. I hung up before they could get any nastier. 

As soon as I asked for clarity on the debt they are trying to collect they became unruly and unable to communicate. 

This didn't feel legitimate. This felt like a shakedown from someone who has too much of my personal information.
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

My name is XXXX XXXX, please find proof of identification attached below. This is not a third party company. I am doing this complaint by my self. I am writing this complaint from my understanding of the Federal Law. First and foremost, I am revoking the power of attorney given to Auto Now financial Services. There has been several ongoing issues relevant to my consumer credit contract I hold with Auto Now Financial Services. Upon reviewing my receipts and contracts I have noticed : 1. According to federal laws the finance charge is the sum of all charges. So why was I charged a down payment plus other fees, title, registration processing, and insurance? THIS VIOLATES FEDERAL LAWS! There are also several errors relevant to the amount financed and what's owed. 

2. I noted contract paid off in XX/XX/2019, closed then reopened. Then I took notice to my contract number which I have paper work for, until I tried signing up online and had to call for contract information to access portal because there was a change. I did not receive any written notice and this was without my knowledge. Nothing in the mail to my XXXX, Az Address. This is FRAUD! 

3. I make payments biweekly, per month to Auto Now Financial Services. Yet when payments are made on time, they are being furnished to consumer reporting agencies as late. This is also fraud and violate the federal laws. Auto Now financial has several times violated federal laws, they have threatened me with repossession over the phone, they have caused me emotional distress by intentionally getting into arguments when I call to enquire about payments and due dates prior to having assess to online portal. I have reached to Auto Now Financial Services on multiple occasions just wanting to discuss my accounts but it always turns out into an argument and threats. This is also a violation of federal laws. 

As the consumer I will seek litigation against Auto Now Financial Services and the consumer reporting agencies in the event that these issues are not fixed.
Consumer complaint received 2024-09-26
Product: Credit reporting 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, 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2021-12-29
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. (GA)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2021-12-29
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. (GA)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (DC)

My credit score went down XXXX points due to Nordstrom taking my credit limit down {$700.00} without any notice or reason. My initial credit amount was {$2000.00}. It is now {$1300.00}. I pay on my card monthly. My account is not past due. I was given no communication therefore this extremely effected my credit utilization without notice or reason. My account is not delinquent and is current.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2021-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I am refinancing my home ; my current mortgage company is XXXX XXXX ... .it just so happens my closing attorney office is XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX not related ) I am financing with XXXX XXXX  ... my contact is XXXX XXXX XXXX his number is XXXX .... 
My closing was supposed to happen 3-4 weeks ago ... .my closing attorney says Suntrust Bank ... has a 2nd lien on my house... home equity line from 10-11 years ago... 
My mortgage was with Suntrust back then and was sold to XXXX XXXX ( above ) which is about {$94000.00}...... I do not owe Suntrust any money related to a home equity... 
Did I ever have a home equity loan with them ; then the answer is possibily... but I would know if I owed them money .... 
My closing attorney has spoke to several people at Suntrust for the last couple of weeks. 
Depending on who you talk to at Suntrust and what day ; the lien is cleared and other times they think I owe money but do not know how much????? 
My contact and attorney have worked there butts off; trying to get this resolved for about 3-4 weeks... 
YOu know how much time it takes ; all the information ; needed by the finance company to get this done. Its a nightmare! Suntrust has now managed to cause me to pay a higher interest rate ; due to there imcompetentence. I was advised by XXXX XXXX at XXXX XXXX, rates will go up Thursday... They have locked in my rate for numerous weeks; emailed ; left messages with Suntrust to no avail!! Now rates are going up after having 3-4 weeks to give a definitive answer to the supposed home equity line. Please help me with this if possible ... .forgot to mention..I was told I did not have to make a XXXX mortgage payment ; now I '' m late on XXXX payment ... entire loan would have been paid last week of XXXX if Suntrust would have done there job Thank you
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After being through a rigorous process with the SBA to get my funds released for almost 6 months. Capital decideds to frezze my account hold funds without explanation or time frame. 
{$450000.00} was deposited into my account XXXX and frozen XXXX. 
Going to window to make a withdrawal for payments for business expenses capital one gave no case number filing number and also stated there is no time frame or contact with such department. 
My business is q XXXX XXXX and operate from my social security which I am qualified to receive Deposit. 
Capital one need to release funds and stop causing such hardship. Which I'm especially bounced qch payments etc because I assumed the money was available to use.
Consumer complaint received 2021-12-29
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX )
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/21, Chase emailed me about a new card which I did not request. 
Chase closed the card and told me to call XXXX to request a fraud alert. 
I talked to XXXX and XXXX and I asked both to REMOVE THE HARD INQUIRY from Chase on XX/XX/21. 

As of XX/XX/21, XXXX did not remove it and XXXX is refusing to give me a credit report.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

A check for a roof repair was issued by the insurance provider. I spoke to the mortgage company around 8 weeks ago. I was told that the check was going to be held in escrow. 
I was told that my delinquent account with my mortgage company and negative payment history was the reason that the check was going to be held. I was going to get payments in 3 portions. I was told that the check would be made out to me, my former wife and the roofing company of my choice. I was told today that on XXXXthe full funds were released to my former wife. The roof repair was and has not been done. The insurance company will not look into my claims. I want to investigate the mortgage company and find out why they release the full amount of the insurance check. Why weren't the funds held like they told me they were going to? Rushmore loan management is not upholding their legal rights to consumers.
Consumer complaint received 2021-12-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I had a home loan with Bank of America back in XXXX, my loan was transferred to XXXX in XXXX of XXXX. Bank of America shows closed on XX/XX/XXXX. But over 7 years has pass, and they will not remove from my credit reports. The loan, never was late, I did the make a home affordable plan 2 times. And was approved both times, but I did continue to make my payments. I JUST WANT BANK OF AMERICA OFF MY REPORTS, I HATE THAT BANK.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

History : I had instructed Citizens Bank and asked them to remove all the overdraft facilities back in XXXX. In XXXX they activated the facility without my knowledge and there were charges. I made the complaint back then and only they refunded the amount. 

Summary of your complaint made back in XXXX : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Current Issue : Similarly, Citizens bank has activated an overdraft facility on the pretext of preauthorized debit this time and charged me {$280.00} over the months of XX/XX/XXXX and XX/XX/XXXX. 
I called the bank customer service but they said they can not do anything except refund me {$20.00}. They try to reason it saying it's because of the preauthorized debit but the charges clearly say its overdraft fees on the statement.