davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-29
Product: Credit 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: CITIZENS FINANCIAL GROUP, INC. (MA)

HI CITIZENS BANK : I was shocked when I reviewed my credit report and found late payments on the dates below : ON XXXX AND XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-09-29
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. (TX)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

We have used the CITI credit card now for over a year and we take issue with their billing practices. It seems to be the business strategy to encourage the use of the card, and then to apply interest charges, before the payment due date, purposely throwing the balance over the agreed limit. By being able to show an excessive balance, they create a justification to raise interest rates to 30 %. 

We have always paid more than the minimum amount due, and except for one instance, where we were two days late, payments have been on time. Thus it was to our surprise to find that CITI had approximately doubled the interest rate on the outstanding due with the card. It is not just a question of fairness, but a fraudulent strategy by CITI to legitimize the imposition of additional interest and service fees.

If CITI is willing to take away these false charges, reduce the interest rate to what it was before, we will resume making payments. 

Notes : 1 ) Spoke with CITI consumer services in XXXX. They said that if I paid all interest and fees to date, they would discuss lowering the interest rate. 
2 ) Interest Rate 12/2017 16.49 % - Interest Rate 9/2018 29.99 %
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Credit & Finance, Inc. (TX)

XX/XX/18, Atlantic Credit and Finance called me today trying collect a debt. I told her to remove this number ( my work number ) from their list and provided my correct cell phone number. She proceeded to say that the last time they called me at this number ending in XXXX ( my work number ) you told us the same thing. I cut her off by saying yet you called me again and you know that's wrong. I disconnected the call.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OH)

I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XXXX. I responded in XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (MA)

My husband and I have received a number of calls from XXXX XXXX, an Independent Process Server regarding an attempt to deliver civil documents. She gave me the number of a company Alternative Dispute Resolution in XXXX TX ( XXXX ) XXXX File # XXXX. I spoke with a man by the name XXXX XXXX who told me that he was trying to send documents to my husband regarding a debt to XXXX   XXXX XXXX from 2006 resulting from overdrafts. I asked him to send the information certified mail, to which he refused. He said if we did not allow him to serve my husband at work they would move forward with taking legal action to attach wages, tax refunds, and seize assets. He claimed they were not a debt collector. He refused to send the information certified mail and hung up on me. I also believe he should not have shared private information regarding my husband.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

For about two months now I haven't been able to see my Equifax credit score. I called and they told me I needed to update my new marriage name and address in the system. I sent them all of the documents they needed. I've been sending it for the last two months and they refuse to update the information. They will send a letter to my father as if he has sent in information! I am in the process of buying a home and this is holding me up.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

I contacted Navy Federal Credit Union regarding an unauthorized transaction on my account. Date claim was placed with the credit union was XX/XX/XXXX ( Saturday XXXX XXXX ) but was sent a letter on XX/XX/XXXX ( Monday ) ( so in two days over the weekends ) and didnt get the letter until XX/XX/XXXX in the mail telling me the complaint was unfounded. They completed an investigation and denied my claim. Navy Federal Credit Union instead of completing an investigation regarding my claim of unauthorized charges. 

Today I spoke with XXXX ( Fraud Supervisor ) at XXXX XX/XX/XXXX, regarding this and she said it will take 3-4 days for them to reinvestigate the issue, however if the initial dispute was done in under 1 day why would it now take 3-4 days to " further investigate ''.
Consumer complaint received 2023-07-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (OH)

My 2 years lease was end on XXXX, 2023 and I extended the lease for another 6 months. My payoff amount in XXXX was {$29.00} Now, I called to Ally bank, asking how much is my payoff amount as of today. They gave me the same amount as 6 months ago. On my question how it's possible, they said it was courtesy of the bank. So, I used the car extra 6 months, got more miles, paid almost {$2300.00} and price stayed the same. 
Is it legal, I think this is consumer ripe off Thank you.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (OH)

On XX/XX/2018, Atlantic Recovery called my parents phone number and advised they were attempting to collect a debt for me. They shared they account name and amount. The agents name was XXXX XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

DEAR XXXX XXXX ; CREDIT BUREAU ; XXXX ; TRANSUNION ; XXXX  ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my XXXX XXXX and ability for any company to extend credit to me. 

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.
Consumer complaint received 2018-08-25
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)

I have disputed an error for an account that I had with XXXX XXXX credit card with XXXX, XXXX   & transunion. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies.

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house address.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I apply for a Discover personal loan And they denied me base on my credit report To high balance When all of my students loans are discharged plus some of the negative reporting accounts are pay off and they are to to old to be on my credit report I will like to be considered for a personal loan from discover bank Please remove all old account and update my report
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (NJ)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: North State Acceptance, LLC (NC)

After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under NORTH STATE ACCEPTANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 

I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.
Consumer complaint received 2018-10-17
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. (TN)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX ) , XXXX XXXX XXXX , have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (UT)

ABR Recovery Services LLC, XXXX XXXX XXXX, XXXX, NY has placed a collection account on my XXXX  Credit report. They are claiming the original creditor is XXXX and that the last activity on this account was in XXXX of XXXX, which is what they have listed on the collection account on the report. This account was actually opened in XXXX and the last activity on this account was in XXXX. It was sold by XXXX to XXXX XXXX XXXX in XXXX of XXXX. There has been no activity on the account past XXXX. 

ABR Recovery is incorrectly reporting the " Date of 1st Delinquency ''. It is not XXXX as they have stated I have provided proof of the dates in the attached snips from my old credit reports attached to this complaint.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.
Consumer complaint received 2018-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Thank you for your time. Everything that Bank of America was charged  with they did to us.forged signitures.no title deed on house.making payments to insurance companies we had no idea about.lied to the court about the deed.Even have them on tape admitting that they messed up.I am fed up with companies using the Va  to make them money. Why? My husband was at the XXXX line. He lived in the XXXX that Bill Clinton called the most scary place he has visited. My husband had to live there. Bullets whizzing by his head. To be cheated by a company that he had to fight for in order for them to grow. But to use XXXX 's to make money. I have proof of every thing they did to us.After going threw XXXX sales, they went out of state, found a realiter that belived them to be working for Va. We lost our home. And can prove that we were paid up.This was so dishonest. And in the end send us a letter saying they they forgave the loan.We need help, and the state of Delaware is to scared to help us. Because to them BOA is a good company for the state.I am sick of XXXX XXXX saying about being a vet.But refuse to help one with proof. Yes we need help. XXXX XXXX XXXX
Consumer complaint received 2018-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Despite two written requests, Capital One unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. 
Specifically Naming " Capital One '' as an entity entitled to enforce a commercial claim against me. 
This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX