davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

RE : CEASE & DESIST and dispute of chase card services acct  ending in XXXX This letter is in response to the phone calls and letters I have been receiving from you.

According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location.

Further, this Chase account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay.

Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. 
Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CAPITAL ONE AUTO FIN '' I do not recall authorizing or " someone is using my identity ''. I understand that " CAPITAL ONE AUTO FIN '' 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 CAPITAL ONE AUTO FIN on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CAPITAL ONE AUTO FIN 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. 

CAPITAL ONE AUTO FIN - 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 " CAPITAL ONE AUTO FIN '' 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 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: Experian Information Solutions Inc. (GA)

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. 
Also an FTC report was filed containing the detail of these account Thank you.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CAP ONE NA '' I do not recall authorizing or " someone is using my identity ''. I understand that " RESIDENT VERIFY '' 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 CAP ONE NA on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CAP ONE NA 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. 

CAP ONE NA - 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 " CAP ONE NA '' 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 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

The total balance of the transaction was {$1900.00}, after disputing the transaction with my bank and communicating with XXXX. There is still a charge to my Wells Fargo Account for {$980.00}. My receipt on the XXXX Account Online has a balance of {$890.00} that has not been refunded. Normally, when XXXX has issued a refund for the entire purchase, it will read {$0.00} after the total has been refunded XXXX Please see example from a previous receipt attached ). However, XXXX has not issued the full refund, there is still {$890.00} on the receipt that has not been refunded online at XXXX 's Online Receipt, and {$980.00} posted my Well 's Fargo Account as withdrawn by XXXX. Please help, as have reached out to both XXXX and Well 's Fargo for a refund. Please see the attached XX/XX/XXXX order, as an example of how the receipt should look when XXXX has refunded the entire order, there should be a zero balance. As opposed to the attached XX/XX/XXXX order in question, which reads a balance of {$890.00} which has not been refunded. This should read, {$0.00} if all items were refunded. The initial receipt of {$1900.00} is also attached only {$1000.00} has been refunded to the account. There is still a total of {$890.00} as reflected in the Online XXXX Receipt, and the similar total which is still posted and has been withdrawn from my Wells Fargo Account. I have also attached my bank statement which reflects a charge to the account XXXX from XXXX for {$980.00} that is still posted as a charge to the account. This amount has yet to be refunded.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MD)

Class action lawsuit of XXXX XXXX has been filed against them. I received a cease and desist letter. Santander said Im obligated to continue paying the loan. They will not contact me if they do any repossessing of the car or if I fall behind on payments. I request for a full audit of my account never received it but payment history. My loan  expired on XX/XX/XXXX Im still paying for this vehicle. They have been reporting late payments on my credit report and I had file disputes. When Im paying more than whats due on bill. I am requesting payments I pay extra money to be place to principal they take whatever amount they want apply it to interest. Interest being charge everyday they is no grace period. On my payment history Im just being charged interest fees everyday not monthly payments. 
I Purchased vehicle at XXXX. Loan 72payments, ,60 payments  have been made, Purchase vehicle on XX/XX/XXXX, First payment XX/XX/XXXX, Balance of XX/XX/XXXX XXXX, 12 payments left on loan, Payment XXXX, Interest 26 %, Total Santander saying is due is  XXXX.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following  bureaus. XXXX, XXXX  and Experian in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX, XXXX, ( XXXX XXXX ) XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXXt, and XXXX XXXX. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. Thank you.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (PA)

XX/XX/2023 Hello, I have an American Airlines AAdvantage Mastercard ( Barclays ). 
The purpose was to earn award miles to help with travel cost. 
I have a son in XXXX and want to help him with holiday travel cost. 
They offer a gift or transfer option for the miles. 
I was going to gift XXXX miles to my son and guess what they want to charge me {$900.00}. 
So, I tried the transfer option surely, they wont charge me for the miles I already spent my money to earn. 
Wrong the want {$450.00} for this option. 
Not to mention the fact that the mileage ratio is a joke you need XXXX mile to fly XXXX way XXXX to XXXX?
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, XXXX  and XXXX  in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX, XXXX, ( XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX and Chapter communication. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. Thank you.
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-23
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. (MA)

JPMCB AUTO, ACCOUNT NUMBER XXXX REPORTING 30 DAYS LATE XX/XX/2020 THIS INFORMATION IS NOT CORRECT. THIS ACCOUNT WAS NEVER LATE
Consumer complaint received 2024-11-15
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. (TN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-12-01
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: Santander Consumer USA Holdings Inc. (MO)

Every 30 days I call all 3 credit bureaus to see why Santender Credit is still showing up on my credit report. Every agent I speak with tells me they don't see anything showing and it has been deleted already. Please investigate disputes.
Consumer complaint received 2019-12-01
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: EQUIFAX, INC. (FL)

I have a 700+ credit score but I get denied for everything because they won't unlock my credit file. 

Also I have wrong phone # s and addresses reporting that are causing me to get denied. 

I would like all phone numbers removed except for : - ( XXXX XXXX XXXX ) Please make sure these addresses reporting - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have requested from all three credit reporting agencies to provide the original contract of indebtedness as verification of the debt because I believe that the loan balance is incorrect. They keep saying it's been " verified '' with no copy of anything sent to me. This is very frustrating.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Army and Air Force Exchange Service (HI)

I have star credit card and i had a90 days late payment, becouse the star credit card company did not send ne a paper bill or reminder in timely manner, they contacted me only when paiment was alredy late, i tryed to explain that i was not inrolled into online banking at that time and had no way to make a paiment and never recived a paper statment. i had disputed this matter earlier this year but they said everything is correct on my credit report, could you please help me in this situation, as i am making all my paiments on time and this reallu affect my credit. it happend in the begging of the year XXXX. i was trying refinancing this year and to pay ogg my debt but this matter was an abstacle to that. Thank you
Consumer complaint received 2019-12-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
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 Laending 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. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.
Consumer complaint received 2024-08-14
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. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-08-14
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. (NJ)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
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. (SC)

They are reporting dates late of XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. And I wasn't late at all.. I have provided proof of payments via bank statements and yes I have paid on 28-29 days but never OVER OR ON 30 days. However they tried reporting as such.

Balance is incorrect also
Consumer complaint received 2019-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

Hello to anybody reading this I recently started selling on XXXX with a new paypal account I understand why they put my money on hold for almost 2 weeks what I dont understand is. even after all packages I sent were delivered and signed for and I received 0 complaints and they took my money off of hold they refused to let me transfer my money into my bank account which is legally mine and they put my account on lockdown for 180 days for no reason when i called the customer service they was very rude and the supervisor also. they put me on hold multiple times for no reason sometimes for 30 minutes and hanged up this all took place between XX/XX/XXXX to XX/XX/XXXX 1
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CO)

A {$100.00} Mastercard Gift Card was purchased for me on XX/XX/XXXX. The card still has the receipt and was still sealed in the package until we found it lost in the back of a drawer. We went online to register the card on XX/XX/XXXX and found it had a {$0.00} balance. According to the back of the card, it was not expired, and even with inactivity fees should still have a balance of around {$75.00}. We called custimer service, where the rep told us that it had been purchased and drained in XXXX - a full year before it was purchased and also registered to a completely different person. They refused to help in any way, other than asking us to Fax a bunch of information to a number where we may or may not get an answer. We do not have a fax available to us, and no one uses fax anymore. This is a ridiculous request, on a card that was clearly compromised before even being purchased. They should stand by their product, and allow us to email a picture of the physical card and receipt proving our information is correct.