davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2023-10-12
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-07
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

I have a mortgage with Chase. I started the loan in XX/XX/2020. I pay {$930.00}. 
I could not pay the mortgage in XXXX because the branch where I make the payments was closed during XX/XX/2020 due to COVID. Branch address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
I immediately paid XXXX 's payment in XXXX and the payments are up to date. I never missed the payment earlier. This happened due to COVID. This has impacted my and my wife 's credit score severely and I requested CHASE several times to issue goodwill adjustment letter to erase the late payment information from my credit reports. I request them to issue goodwill adjustment letter.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I have a car loan with Nissan Motor Acceptance Corporation ( NMAC ) - it was a 5 year, 0 % interest rate loan, started in XX/XX/XXXX. I've had an automatic payment as well as paperless statements set up from the beginning of the loan to ensure I never have a late or missed payment. For some reason, NMAC stopped processing my automatic payments in XX/XX/XXXX ( with 2 monthly payments remaining on my balance ) and I ended up being late on my final 2 payments. The only reason I noticed they had stopped deducting my payments automatically, was I got my credit score as an alert from a monitoring service and it had dropped 100 points as a result of this. Once I noticed I was late, I immediately made my final 2 payments and closed out my loan on XX/XX/XXXX. 

Upon finally calling their customer service ( on XX/XX/XXXX ), they told me they changed their system and had sent me notices asking me to switch to another system. I did not receive any of these notifications digitally. The rep mentioned they should be available to view online under my account and upon review, there were no notifications there either under the messages section. 

Upon asking for them to remove the late payment record as a result of their process change, they refused stating it was my responsibility to make the payments, and they had no responsibility to let me know that automatic payments have been stopped by them. I would not have missed any of the payments if they hadn't turned my payments off and am now stuck with a late payment record.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Also, update the following accurate personal information to my credit report ;
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XX/XX/XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting a complaint in reference to the credit bureaus knowingly reporting inaccurate data/information. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand these inaccurate addresses be removed. I XXXX XXXX XXXX legally requested these unknown addresses be removed reporting without valid proper disclosure requirements are in direct violation of my consumer rights. Federal law requires you to respond in ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with the credit bureaus. Thank you, I look forward to resolving this expeditiously.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. 
Thank you
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

I applied and was approved for a new credit card account with home depot Credit Services. At the time of application they had a promotional offer of {$50.00} off purchases of {$300.00} to {$990.00} within 30 days of opening the account, in store purchase or online. I made my purchase online on XX/XX/20 for a total of {$360.00}. I called home depot credit services after my purchase and was told the credit would be applied in 2-3 billing cycles. After the 4th billing cycle I called to check status on the {$50.00} credit and was by the first rep that I did not qualify because the promotional offer is based on the 1st purchase  made on the new account, my pfirst purchase was made XX/XX/20 for {$21.00} therefore i did not qualify. Fine print of the offer does not mention this. I requested to speak to a manager her name was XXXX, and manager gave me several different excuses as to why I did not qualify. 1st purchase had to be in-store, 2nd : {$360.00} was broken down into different orders under {$300.00}, 3rd, I used a coupon for purchase. None of these fake excuses are on the fine print, Manager offered to apply {$25.00} credit but i declined as I followed the fine print of the offer as required, they should apply the full {$50.00} credit per offers terms
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union automatically opted members into their premium checking accounts and will charge {$6.00} per month. They did not notify all their members and I had to find out through XXXX and the news ... the only way to opt out and not be charged is to call member services and be on hold for an hour + or go into the credit union during a pandemic
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

In response to Complaint ID XXXX Not really sure why XXXX XXXX keeps responding to my complaints. I've stated at the end of each and every one that a response is not necessary, as is useless. Part of the brazeness Discover has I suppose ... 

Please note in XXXX XXXX XXXX latest response, he specifically stated, and I quote, " We will not being providing phone call recordings as you have detailed in your correspondence to the CFPB. '' So ... I, the customer, requested a copy of the recordings of my own phone calls for proof of an agreement with Discover 's agents.. And he just blatantly denied that request ... Need I say more? That pretty much says it all right there ... I have already documented this into my files and it will be used as part of my supporting documentation for my lawsuit against Discover ... A very big part ... The biggest part. : ) XXXX XXXX and his colleagues should be aware that if a subpoena is ordered by the court for the audio recordings of the relevant conversations, and they fail to comply, they will be subject to civil or criminal penalties ...
Consumer complaint received 2020-10-06
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. (PA)

The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to XXXX XXXX auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm so disappointed! Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 
XXXX XXXX XXXX
Consumer complaint received 2019-06-19
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. (CA)

Trans union is falsely and illegally extorting Americans into paying for their services. I have always had credit in the 700 's and now per trans union and XXXX XXXX, they have dropped it to the 500 's and i'm trying to purchase a house. Trans Union will need to be liable for my higher interest rate on a home purchase or if they interfere due to false credit scoring documentations. Trans Union is interfering with me obtaining a home. and This is extremely incorrect due to NEVER being late on not ONE payment in ten years. I'm going to document everything regarding my true length of my credit history and NEVER being late on any payments and never filing bankruptcy. Trans union needs to be exposed as they are illegally monopolizing the national credit bureau. This is illegal and harming my livelihood. I make over {$100000.00} a year and have OUTSTANDING credit history to prove yet they are reporting me in the 500 '' s?? This is Fraud from the credit bureau.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TEXAS CAPITAL BANCSHARES, INC. (TX)

XXXX XXXX Customer Service stated that I would be receiving paper statements of my account in the mail. As of this date, I have received NO, repeat NO, paper statements of my account from XXXX XXXX. I tried contacting XXXX XXXX by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain my bank statements.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Financial Freedom Group, LLC (VA)

No date, no company name just a number to call to settle an outstanding debt I do not owe. No reference to which company I owe the so call debt to. It seems like they grouped the big credit card companies and came up with an amount they think I owe. Then stated if I don't call I will accrue monthly interest on my unsecured credit card balance.
Consumer complaint received 2019-06-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have 4 incorrect things on my credit report. I have 1 collection from XXXX  XXXX  and one charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed XXXX for XXXX on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from XXXX They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX  XXXX.
Consumer complaint received 2020-10-06
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: CL Holdings LLC (OH)

The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX -JEFFERSON CAPITAL SYSTEM # XXXX XXXX XXXX  XXXX  # XXXX
Consumer complaint received 2021-01-28
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3200.00}, {$160.00}, {$100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FORD MOTOR CREDIT CO. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-10-06
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: CBC Companies, Inc. (OH)

I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed XXXX XXXX XXXX. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime (CA)

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " DT CREDIT '' I do not recall authorizing or " someone is using my identity ''. I understand that " DT CREDIT '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to DT CREDIT on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested DT CREDIT to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

DT CREDIT - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " DT CREDIT '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

I paid out the XXXX XXXX  XXXX XXXX credit card by Comenity Bank and closed it. months later they start sending me bills to pay and later reported me to collection, now Im getting non-stop calls and letters from XXXX XXXX XXXX.