davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MN)

I have 2 debt collectors on my credit report trying to collect for the same debt. The original creditor is XXXX and I have tried disputing this with both creditors as well as XXXX It is double jeopardy and harming my credit. The debt Collectors are XXXX XXXX and ICSystem and are listed at a {$30.00} difference and are reporting collection on my credit every month. IC SYSTEMS has tried to get me to pay a amount for this to even be looked into which I know that is not legal. I have gone and paid XXXX XXXX XXXX XXXX So there is no longer even a debt to collect. Please remove them off my credit report.
Consumer complaint received 2024-10-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (CO)

Ok I was in a wreck on XXXX and I broke my back well the insurance that was insured on the truck I was in paid me XXXX XXXX but I only got XXXX back to me they paid it for me cause they didn't give me my part til XXXX  after they sent the money I owe for ambulance ride hospital time and my XXXXXXXX XXXX XXXX XXXX cause I XXXX  XXXX XXXX   now they are saying I owe all this money which I shouldn't owe it at all cause it's been paid already which they saying I owe XXXX thank you by XXXX XXXX XXXX XXXX now
Consumer complaint received 2024-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (OH)

I recieved numerous calls yesterday and told them to go ahead and debit my account like they said they would. I said please stop calling my cell and my work phones as I was busy working. They continued to call an additional 4 times that day ( Friday the XXXX of XXXX ) and called again Saturday the XXXX. I let them know that It was the wrong number as I no longer had business to discuss with them as they have all the necessary information to collect the funds and they refused to stop calling and XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, Capital One withdrew {$700.00} from my account without prior notice, citing a disputed XXXX transaction. They said they were 'holding the funds '. On XX/XX/year>, they closed my account and only returned {$0.00} via a 'Checking Closeout by Check '. I filed a previous complaint with the CFPB ( Complaint ID : XXXX ), but Capital One 's response on XX/XX/year> did not address the status of the {$700.00} they withdrew. They only mentioned returning 'good funds ' without specifying the amount. I believe Capital One is wrongfully withholding {$700.00} of my money, which was unrelated to any disputed transaction and came from my job deposit. I request that Capital One return the full {$700.00} they withdrew from my account.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

i deposited a check to my account, the us bank put a hold on it for about a week, after a week i logged into my account and saw that the amount is available for use, after that i wrote down a check to my customer. a few days later my customer told me that he was unable to cash that check because there is a freeze on my account. i contacted the US Bank and told them what happened, they told me that the funds on my account was not available and cause i wrote a check they are closing my account. But as i mentioned above i saw available funds on my account. it has been already three weeks i am waiting for a cashier check from us bank and never received it.
Consumer complaint received 2024-09-14
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc (TX)

On XX/XX/XXXX, I made, in good faith, a deal with XXXX XXXX Harley Davidson and Harley Davidson Financial Services to purchase a XXXX XXXX XXXX XXXX XXXX. 
I have filed a small claims case against XXXX XXXX Harley Davidson and have informed Harley Davidson Financial Services, a.k.a. Harley Davidson Credit Corporation, that the matter is in a court case and to stop calling me about it. 
After several call-backs, I began blocking the source numbers but they change source numbers and keep calling, several times every day.
Consumer complaint received 2024-08-14
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a dispute with Capital One. My accounts were opened up fraudulently by a family member XXXX XXXX XXXX. My name is XXXX XXXX. I have now filed XXXX fraudulent claims. He opened up other accounts such as discover and XXXX. Those companies acknowledged the fraud and closed the accounts immediately. However, I had had problems with the investigation department for capital one. I am asking that this company be investigated. All of the purchases on the account were made in Florida. My residency has been with XXXX XXXX  XXXX. I have never lived in Florida. My identity was stolen by a family member who owes thousands of dollars in bankruptcy. Capital one has done very little to help. While a claim was filed I was denied the ability to email documents or provide any further information. While they even have access to full proof of purchases because this family member listed me as a primary holder of the account it is hard to prove. However, when looking that all the purchases were made in Florida while the police report was filed in NY it seems obvious that the accounts are fradulent. The other card companies such as discover even found proof of where the purchases were made and identified him as the suspect. I am asking that Capital One be investigated regarding how they complete their determinations of investigation because I never opened up these accounts. I had no knowledge of them for several years. I was in college and did not know the first thing about opening up an account. I always had co-signers. The fraud had been going on since 2020. He has a history of doing this and his name was linked on not just capital one but XXXX, XXXX  and XXXX  XXXX XXXX. I am still waiting for the response from XXXX XXXX XXXX So far both XXXX and XXXX  acknowledged it fraud. This report is regarding capital one and how they handle fraud.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (CA)

I attended XXXX XXXX XXXX XXXX in the year of XXXX XXXX for XXXX XXXX .The school went bankrupt and left many students in debt and devastated. We still owe the loans For Careers we cant get a job in. The school closed down. We have been fighting this case it has been a lengthy and exhausting process. I filed a report with the Student Loan Ombudsman U.S. Department of Education and still waiting to hear back for my My borrower defense claim for the XXXX XXXX XXXX XXXX. 

Our loans keep moving around from XXXX which was the original creditor to XXXX  to aid advantage. 

I have student loan debt totaling out to {$28000.00} dollars with XXXX  student loans I was recently told the CFPBs investigation of XXXX  kicked off a series of efforts by state and federal agencies to examine forbearance steering and other breakdowns in the income-driven repayment program. Those efforts have resulted in more than {$50.00} XXXX in debt relief for more than XXXX XXXX borrowers who were wrongly steered into forbearance, as well as those who had payments miscounted. 

I just want this headache to be over for all the students that attended ( XXXX XXXX XXXX XXXX ) it is now XXXX and we still cant get a job with the certificates this school gave us because they lost their accreditation .please help me
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I changed my payment bank account.in XX/XX/year>. I went on website and submitted all. I was told in XX/XX/year> that they had a computer glitch that did not take the account and to submit a letter to their credit office. Haven't heard from them and they only take mail correspondence.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise claims to be an original creditor for an account that was opened in XX/XX/2024 and is reported as seriously delinquent for the sum of {$1700.00} in total. Absent is the account number. Additionally, Sunrise has for months now made calls and sent letters, to unlawfully collect a debt, in violation of federal and state statutes. To be clear, this sum of money seems to represent a dispute I had with a real original creditor some four years ago ; that being XXXX XXXX XXXX, for the same identical sum, that being {$1700.00}. I did not pay XXXX XXXX XXXX  because I returned the rental XXXX back to them, eliminating my obligation to pay for the device I was at one time renting. XXXX XXXX XXXX resolved the problem and Ive never been billed by them or heard from anyone, until now. The statute of limitations has also expired as to any civil enforcement of the disputed sum. I think we both know that Sunrise either purchased this account from and which was written-off by XXXX XXXX XXXX ; likely for the customary 2-3 % of the face amount ; or in the alternative, Sunrise is acting as a duly appointed collection agent on their behalf. In either case, Sunrise is making unlawful reports to my credit bureau files as it relates to the matter. Sunrise is reporting to the credit bureaus that they are they original creditor for an account established in XX/XX/2024 that has an unpaid and delinquent debt in the amount of {$1700.00}. Sunrise has never been the original creditor ; '' and this account was not opened in XX/XX/2024 of this year. Such unlawful reporting of this account has led to me to personally experience actionable damages, to include : being denied employment; denied credit approval for the purchase of a new car, unless I agree to a 9 % surcharged interest to 17.99 % totally over XXXX XXXX dollars in actual damages ; and, I have needlessly been harassed by Sunrise.
Consumer complaint received 2022-11-14
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: Credit Control, LLC (TX)

In XXXX I purchased a show car that only had XXXX miles on it from XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. The car started breaking down and when it did, I had only had it for a year. The XXXX broke after I received my free oil change from them, it was working fine when I pulled in the XXXX parking lot. I got it back it didn't work. I previously had a XXXX XXXX  in addition to the XXXX XXXX, and its XXXX was still working. I called and filed a complaint ; they couldn't help me unless I paid {$450.00} to them. I told them the car had a recall on the airbags and that's dangerous for me XXXX XXXX. They said I would still have to pay {$450.00} to have it checked out. So, I called the corporate office to see if they could help me get it fixed or place me in another car. They said to call the dealership back and tell them to help me. They still said I had to pay to get it checked out. And refused to put me in another car or fix the problem till I gave them money. Also, the baring 's on the wheels were worn out and I only had it for a year. They told me nothing was wrong with the car because it was a show car, and no one drove it, but it had XXXX miles when I bought it. They didn't help me, so I gave the car back, they reported the same car twice as repo on my credit report.
Consumer complaint received 2022-12-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
And Ive never had a diploma or GED to sign up I quit school in the XXXX grade but XXXX XXXX Told me that I didnt need anything to XXXX  from XXXX XXXX  so I enrolled not knowing 20 years later Im still having to pay a loan I wasnt supposed to pay because it closed down due to fraudulent charges against XXXX for taking people money and giving them a lot of debt
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX account number : XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX  XXXX XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (FL)

I received a letter from my experian consumer agency that they will not block the information of my consumer report because I did not submit proof of identity theft report from FTC which I did in my case # XXXX. I also provided proof of my identification in that file which I will send again. Also in this files is FCRA 605B ( 15 U.S.C. 1681c-2 ) states consumer reporting agency must block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency. It does not say after you do an investigation. It states by law 4 business days then you reach out to the company. I have done my performance and I gave you instructions on what to do with my consumer report. If my rights continue to be violated I will start my arbitration.
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. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Halsted Financial Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Account # : XXXX Dear Halsted Financial, I have not received a validation response to my request for verification on the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute, I owe this debt to you and that dispute should be stated in my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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. (MD)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my report right away : XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (UT)

Chase bank had a {$200.00} sign up bonus in XXXX for the freedom unlimited credit card which you would receive after spending {$500.00} in the first 3 months, which i did. Its been 6 months now and still havent received it. Called multiple reps and they wouldnt honor it even after demonstrating them the screenshots i have in my email of the offer. I sent a direct message with the screenshots of the promotion when I signed up for it and they still wouldnt honor it. Terrible business. Disappointed in Chase, glad i have XXXX now and will be switching banks and closing my accounts there. Filed a claim and a complaint with them as well.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : 1- PENTAGON FCU made on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DIGITAL FEDERAL CREDIT UNION (MD)

Digital Federal Credit Union is reporting incorrect payment history on my XXXX account. Shows XX/XX/XXXX pass due payments and XXXX XXXX day pass due payments for XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/year> I disputed fraudulent activity on my credit report. It came to my knowledge that while I was XXXX  my personal information was fraudulently used to obtain credit. These accounts listed are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me clear up this violation of my consumer rights. 
The accounts were deleted and removed from my credit report. And then Wells Fargo re-added the deleted account back to my credit report. 
I have attached documents to this complaint.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MA)

I am a new sofi customer who signed up for direct deposit. I did not receive my sofi debit card at the time so I attempted to XXXX my chase account for I could access my funds. SoFi put a restriction on my account and now I have no access to my funds. I have called several times and verified my identification and the account activity. I answered several security questions and my account is still restricted leaving me with no access to my funds. Every time I call the agents are not helpful or can give a clear reason why this matter is not resolved. This has severally inconvenienced me and is leaving financial hardship on my family.