davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I financed a XXXX XXXX XXXX on XX/XX/XXXX. I was told that they needed a part for a repair on the XXXX before they gave me the vehicle, but it would be ready by the XXXX. I was ok with that. By the XXXX, I got a call that the XXXX is not ready as they have not gotten the part in. I told them I needed the vehicle as the insurance for my trade in was ending that day. They ended up giving me a service loaner for the weekend as the part would be in on Monday the XXXX. The part still hadnt arrived that Monday. At this point I told them I felt I was being scammed and was gon na seek legal action. The next morning, they got the part in and delivered the vehicle I was at work. The detail of the vehicle was disgusting, seats stained, crumbs in the lower pockets on the doors, a window tint scratched with a defect on it. XXXX told me she was going to see about that getting it fixed. XXXX the XXXX while driving to work, the check engine light came on. Went to see XXXX XXXX, service advisor on the XXXX and was informed it was the O2 sensor and got it replaced XX/XX/XXXX. As I was driving home that day, the check engine light came back on again and it was tested on XX/XX/XXXX, and came back as the turbo charger. Even though the repairs should be covered under the dealerships warranty, I am still waiting to have this part replaced, with the excuse from XXXX, XXXX has to check with management if the cost of the repairs will be covered under the warranty. ' It has been over 2 weeks since I have gotten the check engine light tested and no returned phone calls.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have not received my tax document from Bank of America. The bank froze and deleted my account in XX/XX/2021. 

The checking accounts # include : XXXX XXXX I need these for my taxes. By law, they have to send them to me.
Consumer complaint received 2022-02-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing ( SLS ) Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX SLS filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. 
When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of XXXX which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by XXXX XXXXXXXX XXXX  Once the home sold we did not get a discharge of debt as the debt collector ( At the time XXXX XXXX XXXX ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX  ) In XXXX of XXXX we received notice of sale of the debt to SLS and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing XXXX We are also filing a 3949-A with the IRS regarding SPS fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.
Consumer complaint received 2023-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (CO)

WHEN I SELECTED " TRYING TO COLLECT THE WRONG AMOUNT '', I MEANT THEY'RE TRYING TO COLLECT {$50.00} AND IT'S THE WRONG AMOUNT BECAUSE MY DEBT IS {$0.00}! THEY HAD SAID THEY HAVE VERIFIED THE DEBT. I HAVE AN EMAIL FROM THE CREDITOR DATED XXXX XXXX, 2023. SAYING THAT MY ACCOUNT IS UP TO DATE. I OWE NOTHING. I'M ONE OF THE CREDITOR 'S BEST CUSTOMERS. THE CREDITOR 'S REP SAID THAT HIS NAME I SHIVAM.

BESIDES, I M JUDGEMENT PROOF. I'M FROM NY, THE DEBT COLLECTOR IS IN GEORGIA. I KNOW A BIT. FOR THIS DEBT TOTALLING A WHOPPING {$50.00}, I CAN'T IMAGINE WHY THEY WOULD SPEND MONEY ON PAPER AND INK TO WRITE THEIR LETTERS, TO TRY TO COLLECT {$12.00}. 
THEY REFUSED TO GIVE ME THE NAME OF THEIR LICENSING AGENCY, WERE RUDE AND OBNOXIOUS. REFUSED TO LET ME TALK, WHILE IT'S NOT NECESSARY TO TELL THEM THIS : THE ATTORNEY GENERAL 'S OFFICE CALLED ME ON M Y PERSONAL CELL PHONE THIS MORNING. AND I TOLD HIM ABOUT THIS. AND WHILE I WON'T NEED A LAWYER, I HAVE ONE IF I NEED HER. I DON'T HAVE TO PAY HER EITHER. OF COURSE, THEY WOULD HAVE TO PAY SOMEONE TO PURSUE THE COLLECTION OF A FEW BUCKS.

IF THEY WANT SOMETHING FROM ME, I WON'T EVEN HAVE TO GO TO COURT. I ' CAN ONLY ASSUME THAT THEY HAVE A HIGH FAILURE RATE, AND THAT MUST BE WHY THEY'RE SPENDING SO MUCH MONEY TRYING TO COLLECT SUCH A SMALL AMOUNT OF MONEY. I WON'T BOTHER FILING A COMPLAINT WITHB TRHE XXXX, BECASUSE I CAN SEE THAT THEY HAVE ENOUGH COMPLAINTS ABOUT THIS DEBT COLLECTOR AS THEY NEED. HOW DO YOU SAY, " GOOD LUCK AND GOOD RIDDANCE. I'LL TRY TO GET TO THE XXXX OFFICE WITH ANOTHER LETTER TO THEM, THIS IS A PIECE OF, YOU KNOW, CAKE.
Consumer complaint received 2023-03-10
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: CREDIT ACCEPTANCE CORPORATION (MS)

On XX/XX/2022 I went to a XXXX XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app?
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

This is a debt on a Washington Mutual account that charged me various insufficient fund fees on the same day. Even up to three charges per a single transaction. They then closed and sold their debt around to some collectors. Washington Mutual has been defunct since XXXX and we are in XXXX and this debt collector is still coming for me. This should of fell off after seven years and this firm, who bought the debt, has tried calling me without giving me information as they give the disclaimer that they are recording. Then when asked what it is about they do not inform me anything but want my personal information which I am not handing over private sensitive information like my address or social security number over the phone. It is now at year 14 and this debt collector insist that this is owed to them. They do tactics to speak to you to reactivate the terms of the claim. I have been silent on them but can not take any more letters, calls, or anything of that sort. Even trying to settle how do I know that will be used to pay off this. The original amount was under XXXX USD and they have no back-up evidence on what was owed then, but have piled interest upon interest to get a payment. Firms like this really prey on people in debt. Again Washington Mutual has ceased to operate since XXXX and 14 years later these guys at XXXX And XXXX are looking for a payment on something the bank already wrote off at the time it cease to operate.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (NC)

i had a credit card with indigo master card ( Genesis FS card services. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. 
now a company by the name of XXXX XXXX capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. 

indigo master card Genensis FS card services XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Inaccurate and incomplete information on my credit report that has been reported by XXXXXXXX XXXX. Below are the details of the issue : 1. Both XXXX and XXXX reports show the correct balance information of {$65.00} as of XX/XX/2023 update, while XXXX is showing incorrect/old balance information of {$0.00} as of XX/XX/2023. 

2. Despite repeated attempts to contact XXXX XXXX, I have not received a satisfactory response, and my dispute has been ignored by them. 

3. I have also filed multiple disputes with Experian, but each report has been returned with the same unfixed and improper response for SIX TIMES, stating that the information reported by XXXX XXXX is accurate. 

4. As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. However, XXXX XXXX has failed to comply with this law, and returning the dispute with unfixed incorrect information does not count as a resolution. 


I demand that the CFPB investigate this matter and take appropriate action against XXXX XXXX to correct the inaccurate and incomplete information on my credit report. This situation has caused me significant stress and inconvenience, and has also negatively impacted my credit score.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I'm XXXX XXXX the consumer and natural person acting on my behalf. No third party is involved. Capital One is reporting negative information on my consumer report without my written consent pursuant to XXXX XXXX XXXX. I have a right to privacy pursuant to XXXX XXXX XXXXXXXX ( XXXX ). 
Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) - exclusions - report containing information solely as to transactions or experiences between the consumer and the person making the report. Meaning my credit card utilized and payment history are not to be reported.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent dispute letters to XXXX  XXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). XXXX XXXX XXXXXXXX is not reporting accurate information. On my Transunion credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the Rating Key for Transunion. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). XXXX  XXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. XXXX, XXXX  XXXX must comply to any provisions to make my credit report compliant.
Consumer complaint received 2021-10-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has took more than 30 days to complete their investigation and still has not removed the items disputed from my report! None of the agents act like they know what Im talking about when then call! Transunion has also reinserted a XXXX XXXX account that was removed from my consumer reports! This is a violation of federal law pursuant to 15 usc 1681i. 

Transunion has also failed to remove accounts XXXX XXXX Card Service and XXXX XXXX XXXXrom my consumer reports and it has been well over the investigation time. 

Transunion has also failed to remove two inquiries from my consumer report after I submitted a FTC report weeks ago! 
XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-24
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. (AL)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2023-07-01
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. (FL)

Dear CFPB, I have new and updated information regarding these negative accounts that are reporting to my credit profile. Im submitting this complaint by myself and there is no unauthorized third party involved. 

I have ask all XXXX of these credit reporting agencies to update my address to and remove these negatively reporting accounts to my credit profile via mail and they have failed to do so. I have used their online portals to dispute. I have used the BBB to dispute and they still continue to violate and hurt me.
Consumer complaint received 2023-07-01
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MN)

I was originally a customer of Simple Bank which announced that they were going to shut down in XX/XX/2021. During my entire relationship with Simple I specifically had my accounts set to NOT allow overdraft fees. This means that any attempts to overdraw my account were automatically rejected. As part of the shutdown of Simple, accounts were transferred to BBVA with the assurance that account features would be maintained, and it would be " business as usual. '' Shortly after my account was moved to BBVA, BBVA was sold to PNC. Throughout this time, due to account number changes automatic payments were attempted, but rejected from these bank accounts. While PNC did not pay these businesses that were trying to pull money from my account they started charging me fees, even though they did not have permission to do so. This resulted in the charge of {$180.00} in fees to my account. 

I attempted to work through several individuals at PNC to resolve this issue, first through their chat function with representative XXXX XXXX, and then eventually with XXXX XXXX in their Executive Client Representative department, but they never attempted to resolve the issue. Each and every time I emailed XXXX I received a " form email '' with the exact same information stating that " I have already begun researching your concerns and will respond to you as expeditiously as possible. '' I contact him numerous times throughout XXXX and XX/XX/2021 with the exact same response and no assistance. Finally I received notice that they had closed my account and then sent my account to collections to have me pay them their fees. Fees that I never agreed to as they transferred my account from bank acquisition to bank acquisition ( Simple, to BBVA, to PNC ). I very calmly and professionally tried to work with PNC to resolve this issue, but they did not attempt to assist me in good faith. Please help.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was late 30 days during XX/XX/XXXX paying CAP1/SAKs credit card in amount of {$43.00} due to moving and changing banks ( From XXXX XXXX XXXX to XXXX ). I assumed that the account was in automated payment, but when I switched banks, I missed switching it. As soon as, Saks Rep called me notifying that my account was late 30 days in XX/XX/XXXX, I paid the account in full and since than the account has been current or {$0.00} balance. I'm in process of buying a new construction house of {$610000.00}. My credit score is impacted negatively ( 15 points ) due to late payment of {$43.00} .During XX/XX/XXXX, I called twice, Saks customer credit reps asking to remove my late payment history of XX/XX/XXXX. They both said they can not go back 2 years in their system, therefore they advised me to submit a dispute directly with credit bureau. I did submitted a dispute with XXXX during XX/XX/XXXX and XXXX Dispute Report concluded that Saks creditor refuses to remove my late payment history of XX/XX/XXXX which contradicts what both Saks representatives told me. I believe, I'm mistreated by CAP/SAKs representatives, they lied to me and I will waist a lot of money in high interest mortgage for only one miss payment of {$43.00} XXXX