davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/year> I made a mistake and paid someone elses ticket at a parking garage for a total of {$57.00}. When I left the garage the garage manager sent me a text notifying me that I did not pay for my ticket I told him I did and sent him proof. The proof was considered as the other persons ticket which I told him hey I realized I paid someone elses. He said that he would speak with the main office to have them make the correct. A week or so went by and no response from the main office. I emailed the mail office and they see my transaction but its not tied to the ticket for my car. They never make any attempt to resolve this. I offered them solutions which they never responded. I got my bank involved and advised them I paid the incorrect amount and provided proof of the rates and discounts listed at the garage. They advised me I needed a receipt. I sent another email to the garage who never answered me back. My bank denies my claim after I told them Im not getting a response they then tell me I filed the claim incorrect and I would need to file again. I am unable to because I already opened a claim and that they denied. 

The early bird rate for this garage is {$35.00} until XXXX as long as you never before XXXX or XXXX I believe. I have a 10 % discount that I tend to use which brings the price down to {$31.00} every weekday for me that price is visible on my statement for every weekday. 

I also enter this garage between the times of XXXX and XXXX and I check out around XXXX I will include multiple tickets to show the check in time
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: American Credit Acceptance, LLC (NV)

*Company name AMERICAN CREDIT ACCEPTANCE did a soft pull on my credit report on XXXX I did not initiate any transaction or relationship with AMERICAN CREDIT ACCEPTANCE that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. AMERICAN CREDIT ACCEPTANCE willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes. 
15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXC Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX 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.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Status : Paid, Closed. 
Status updated : XXXX XXXX Original Balance : {$510.00} XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status updated : XX/XX/XXXX Original Balance : {$1500.00} Balance : {$0.00}
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$330000.00} - XXXX  XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Upon reviewing my credit reports, I have found that this account is inaccurately reflected as past due, which does not align with my records and payment history. This discrepancy has negatively impacted my XXXX XXXX and overall creditworthiness. 
I certify that the information provided is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly delete any inaccurate information from my credit report. By the provisions of the XXXX Credit Report XXXX I demand these items be investigated and deleted from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please delete any information that a creditor can not validate. I understand that under 15 U.S.C Sec 1681 1692 you must complete the investigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights Pursuant to 15 USC 1681 section 602 A states I have the right to privacy Pursuant to 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish account information. 

I am requesting the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of threats above. 
You are required to do what I am asking and block above reported to my consumer report WITHIN XXXX DAYS from the date above.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding, LLC aka Resurgent Capital Services is located in South Carolina and is a collection company that is attempting to collect for XXXX XXXX on 2 debts in the amounts of {$2700.00} and {$2100.00}. I have previously notified the FTC that the accounts were compromised as a result of identity theft, yet rather than remove the accounts disputed through the proper channels, they have repeatedly reported false information to the 3 credit bureaus, XXXX XXXX, XXXX and XXXX. this has happened since XXXX of 2024. I have disputed the debt with them on 3 separate occasions and also with the 3 credit bureaus but they refuse to follow the laws governing the FDCPA.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and I am the CEO of XXXX. I appealed to Citibank about a fraud ( claim # XXXX ) for {$70000.00} made on XX/XX/year> for account XXXX. For context, we send XXXX XXXX payments of {$35000.00} each to a landlord AND XXXX XXXX, XXXX every month. On XX/XX/year> we received an email from an associate ( XXXX XXXX ) of this company to update the account number and routing number on file. 

We updated the account number and routing number as asked and sent the XXXX transactions of {$35000.00} each as an ACH for rent XX/XX/year> ( they would receive it XX/XX/year> ). We sent them an email confirming the payment. We did receive an email that they received the payment and more emails requesting payments XXXX days outstanding. I have attached this interaction. As you will see the fraudster chose to continue a chain email that the associate had ongoing with me to begin the request for money. The email this request was coming from is a long-term employee of AND XXXX XXXX XXXX XXXX who emails us regarding invoices and payment information. 
We heard from AND Asset Management, XXXX on XX/XX/year> that someone had hacked XXXX of the associates email ( XXXX XXXX ) and was contacting their customers to commit this fraud. We contacted AND XXXX XXXX, XXXX over the phone to confirm the XXXX payments receipt from XX/XX/year> and the accounting department let us know the ACH for rent was not received. That was the day we contacted Citi Bank about the fraudulent activity and requested the investigation process to begin. Citi Bank declined the claim and stated the other bank, XXXX XXXX Bank, did not respond to them and that was the reason for the decline. We are appealing the decision.
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (LA)

I have made multiple contacts inside the Best Buy Store and by phone. I have made request regarding a refund that was to be issued towards my purchases. I had purchased a refrigerator from Best Buy XX/XX/XXXX for the amount of XXXX. XX/XX/XXXX the refrigerator had a issue that needed to be repaired. I had to be informed by the repair company that the warranty had authorized a replacement, it was not economial to repair. I made the request for the replacement, that cost XXXX, XXXX less than my origianl purchase. The replacement refrigerator was on back order for at least 2 months, I made the request for a XXXX replacement priced at XXXX, an additional XXXX less. A total of XXXX to be refunded to me. I went in the store to make the XXXX replacement purchase, where I was informed of the refunds. I have since received the replacement refrigerator, but not my refunds. I have been given multiple explanations in reference to the why the refund has not been received, eg. The storm in XXXX caused the delay, or the CSR will argued me that it has been issued. I am requesting this issued is reviewed and investigated. I would like to have this issue resolved. 
The bank account used XX/XX/XXXX ended in XXXX, we no longer have this debit card, but contact has been made with the bank, and I was informed if a refund is processed to the account the card was issued to it would be refunded. The XXXX purchase was made to my Best Buy Credit Card ending in XXXX, but no refund has been issued.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Navient Student Loan Servicing was the lender ; my account was sold to them from XXXX XXXX XXXX XXXX in XXXX  after paying close to XXXX to XXXX. The student loan was originally a federal loan ( XXXX XXXX ) through a private college XXXX XXXX. Over time, the lenders mischaracterized my loan as a private loan. It never was a private loan. I would not have qualified for a private loan in XXXX as I was living in XXXX. When I graduated, I began to pay on the loan through XXXX who then sold the loan to XXXX who then sold the loan to XXXX who sold the loan to Navient in XXXX, While XXXX serviced my loan, I kept the payment logs totalling {$18000.00}. Those monies were never credited to my student loan balance. Navient never allowed me the option to go into forbearance as a holder of a XXXX XXXX federal loan because they characterized it as a private loan. They refused to send my loan to XXXX for forgiveness. I had to complain to XXXX and submit binders of support documents to show that the loan was federal and that my XXXX payments of {$18000.00} were never applied. The loan ended up costing {$34000.00} when it was forgiven by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navient owes me the full amount of the loan as restitution for lying and blocking my forgiveness.
Consumer complaint received 2022-12-03
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: CCS Financial Services, Inc. (FL)

Credit Collection Service formerly a XXXX Account # XXXX blatant inaccurate information and according to the FCRA statute 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. 

However the company reporting it to my credit with the same name and address is saying that this is not there account yet in their name they are reporting it to my credit. If this is not their account it should be removed because it is inaccurate. 

Credit Collection Service at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2024-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (OH)

I am seeking a modification as a HUD second mortgage. I have submitted all the legal documents requested. 
-Divorce Decree uploaded via email XX/XX/year> -Quick Deed Filing uploaded via email XX/XX/year> and uploaded to the portal XX/XX/year> The process keeps getting denied according to Shellpoint Servicing because they are saying they don't know who has complete financial responsibility for the home. 
I keep being made to wait 30 days and even though I contact them nothing has progressed. in the meantime, I am falling further and further behind. 
Every time I have spoken to someone since XXXX I get different answers. Only the latest POC person has been the most helpful, yet she only says what they allow her to say. 
I was told there was a discrepancy with the house 's right owner even though they have the legal documents.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/year>, I logged into my Wellsfargo mobile app to check on my mortgage and credit card balance. At the time those were the only two products I had with WellsFargo. I received an advertisement on the app with a {$320.00} checking account bonus offer if I opened an account with Wells Fargo. I opened, funded and completed all of the requirements before the 90 days expired and never received a deposit for my bonus. Wells Fargo representatives said they did not see an offer code applied when I opened the account. On the screen where I opened the account there is a disclosure that reads.. Your bonus offer code will be automatically applied to your Everyday Checking account when you complete your online application from this offer webpage. I requested to escalate the research since this was the only reason I opened an account with Wellsfargo. 
It has been 1 year and 1 month since account opening and requirements met. I have screenshots of when I opened the account and the terms and conditions. Wellsfargo is not honoring them and I believe it is an error on their behalf if a code was not put on the account for the offer. I also have the screenshot with the disclosure stating that it would automatically be applied if I opened the account through my mobile banking app. It is dishonest and misleading for them to do this
Consumer complaint received 2024-08-14
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. (NY)

I am writing to file a formal complaint against Equifax Information Services LLC concerning their handling of my credit report and their non-compliance with both federal regulations and industry standards. 

The issue at hand involves the inaccurate reporting of a XXXX XXXX XXXX account # XXXX, that has been improperly updated by Equifax. Specifically, the account in question, which was originally reported as a charge-off, has now been incorrectly recorded now as a closed charge-off account. This alteration contradicts the requirements set forth by IRS Code 1861s-2, which mandates that charge-offs should not be reported on a consumers credit report.

Moreover, this incorrect status update breaches the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681n. This section addresses civil liability for willful non-compliance, and in this case, XXXX deliberate misreporting this report constitutes a willful violation of the Acts accuracy standards. In addition to the above, the discrepancies in reporting are not only inconsistent with the practices observed by other major credit bureaus, such as XXXX and XXXX, but also undermine the integrity of my credit profile.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

Ive had a Discover card for several years, they arbitrarily decided to close my account with a XXXX balance account without notifying me. I do not have ant negative creidt reporting as I was sitting at an XXXX credit score.. When they closed my account it caused a drop in my credit score while trying purchase a home.