davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

I am writing to formally request a thorough investigation into an ongoing issue I am experiencing while applying for assistance, as a victim of Hurricane Milton. Each time I attempt to submit my application, I am repeatedly met with the same error, which states that I need to verify my identity. Despite following all necessary procedures, I have been unable to resolve this issue, and no one has been able to provide a clear explanation for why this is happening. 

I demand a proper investigation into why this repeated identity verification error is occurring, and I insist on receiving a clear resolution that ensures my identity is easily and accurately proven. As a victim of a natural disaster, I can not afford delays or errors in the processing of my application for assistance. 

Please address this matter with the urgency it requires, and provide me with a detailed response outlining the steps being taken to resolve this issue.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

DATE : XX/XX/year> JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2 ) What is your authorization of law for your collection of information? 
3 ) What is your authorization of law for your collection of this alleged debt? 
4 ) Please evidence your authorization to do business in my state. 
5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter. 
7 ) Please show proof of the assignment contract. 
Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. 
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. 
I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. 

I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt. 


Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

i submitted a previous complaint requesting specific documents which you gave me so Thank you for sending that. However, after going through the documentation that you have provided, you dont have any proof that I owe you anything and you have the authority to collect. I refuse to pay.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX XXXX. XXXX 2024 15. U.S.C. 1681 -2 Prohibits the provisio of inaccurate information about a consumer to a CRA. 
15 U.S.C. 1681b. Defines the permissible purposes for which a CRA may furnish a consumer report.

15 U.S.C. 604 ( f ) prohibits the use or obtaining of a consumer report, unless it is for the purpose authorized by the FCRA. 


I would like it removed from my credit report. The full account
Consumer complaint received 2024-08-27
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. (CT)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (AL)

I bought an Apple XXXX XXXX a year ago and paid using Apple Card installments ( it's a Goldman Sachs card ). In the last couple of weeks I traded that watch into Apple using their Trade-In Program and bought an Apple XXXX XXXX XXXX XXXX I still have a bit over {$270.00} in installments on my old Apple XXXX XXXX but it was traded in successfully which means Apple now owns and possesses it. I no longer have it or have any access to it or any way of getting it back. I have my new Apple XXXX XXXX XXXX. I. expect to pay installments on my Apple XXXX XXXX XXXX obviously because I have received that watch and am wearing it. But Apple Card is forcing me to continue paying the installments on my old watch. I was promised a trade in value of {$340.00} for my watch but since I have to keep paying Apple over {$270.00} for a watch that is now in their ownership and possession and for which I have no access to, I obviously won't even receive the value of the trade in. I expect only to make payments on the watch I have. I don't expect to give Apple back my old watch, lose the trade in value, and then literally have to pay Apple installments for many more months fo giving them back the watch. They get the watch back but I'm paying them to own it. It does not make sense to me and customer service won't help me. They say I have to pay Apple to keep my old watch. This is nonsense.
Consumer complaint received 2024-10-24
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION (VA)

My car was repossess by Credit Acceptance 2 months ago they have been violating my consumer rights since i purchase the car. Repossessions are illegal 15 USC 1692e ( 4 ) and 15 USC 1692f ( 6 ) also UCC 9-611 Notification before disposition of collateral.
Consumer complaint received 2024-10-25
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: WELLS FARGO & COMPANY (WI)

my wife and I have both taken out credit cards with Wells Fargo they told us when we signed up we would receive {$200.00} for using the card and if we used {$500.00} in the 90 day window we would receive the {$200.00} credit on our cards we have not this has been going on now for months with o money deposited we call they say that we did meet all the requirements and its should be there last month now this month then this month by the XXXX and here we are still no money .sick of being lied to and delayed.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

This company is inaccurately reporting information on my credit report. These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear in my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. XXXX XXXX was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. Account in question : XXXX account number XXXX
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

On XX/XX/scrub>XXXX XXXX XXXX, I renewed my XXXX membership and charged it to my XXXX Citi XXXX card to prevent account closure, as instructed in a letter from Citibank. Despite this, Citibank erroneously closed my card account on XXXX XXXX XXXX 

When I contacted Citibank, they claimed XXXX had not informed them of my membership renewal. I offered to provide proof of renewal, but Citibank refused to accept this evidence. 

I later discovered XXXX had mistakenly canceled my membership, causing this error. XXXX corrected the issue, backdated my membership, and notified Citibank of the bank error, requesting immediate reinstatement of my account. 

Instead of reinstating my account, Citibank attempted to run an unauthorized credit check. As my credit files are locked, I received a letter on XXXX XXXX XXXX stating they were unable to process the inquiry. 

I immediately contacted Citibank by phone. After a lengthy hold, XXXX confirmed my active membership and the bank error to Citibank. I unlocked my credit access during the telephone call, though Citibank did not seek my permission to run a credit check. 

As of XX/XX/scrub>XXXX XXXX XXXX, my Citi XXXX account remains closed despite multiple attempts to resolve the issue and clear confirmation of the error.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2024, a international wire transfer was sent to myself from XXXX XXXX XXXX  in XXXX through Citibank as an intermediate bank in the transaction. International wire transfers are to be processed by Citibank within 3-5 business days, however, as of XX/XX/2024, the fund have not been released by Citibank. Multiple traces and inquires through the sending bank and through the receiving bank did not provide any answers to explain why funds are being withheld by Citibank while indicating the transaction status as " Normal ''. Neither the sending or receiving banks were able to determine the reason for the money being withheld. I contacted Citibank customer service to provide an explanation for the delay but was denied an information. While the trace shows funds are with Citibank, it did not make any effort to verify or seek a reason to resolve any delay ( if there was a reason for it ). Citibank displayed poor banking services and questionable business practice to withhold these fund.
Consumer complaint received 2024-11-05
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: CITIBANK, N.A. (TX)

I am filing this complaint regarding unauthorized hard inquiries on my credit report from several companies that I do not recognize and did not authorize. These inquiries are negatively impacting my XXXX XXXX, and I believe they were made without my permission. 

The inquiries are listed on my credit report from the following companies : - 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 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 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 I did not apply for any credit or services from these companies, nor did I consent to any credit checks or inquiries from them . I believe these inquiries may have been made in error or without my authorization, and I am requesting that they be removed from my credit report.

According to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunnova Energy Corporation (NJ)

The interest portion of the fixed payment which is being applied should be going down as I make payment. As of XX/XX/year> I have made 25 payments of {$110.00} all paid prior to due date and 18 additional principal payments totaling {$10000.00}. 
I am 2 yrs into the term of loan and I am paying more interest today then I did on day 1 of the loan. I have contacted Sunnova multiply times in regards to the calculation formula that is being used and have received an explanation.I have asked to speak to a loan specialist but I am told NO that is not their procedure. I have printed out a LOAN Calculation-Amortization Schedule based on loan amount & payment amount. Based on those figures and the total amount paid my loan balance should be much lower.
Consumer complaint received 2024-10-25
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (OH)

I was told it wouldnt affect my credit score and low apr. the card has been a nightmare trying to payoff. I contacted them for an assistance program and to close my card for a lower APR and they refused.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AR)

Jefferson Capital System has reported false information to at least XXXX of the major credit bureaus ( i.e., XXXX XXXX XXXX ) -- see attachments. Jefferson has reported that it is the " original creditor '' on the alleged debts. I have never incurred any debt with Jefferson Capital System, and I have never transacted any business whatsoever with them. Therefore, they can not be an " original creditor '' of mine. I believe this is an attempt to re-age this alleged debt so that it remains on my credit reports longer than is permitted by the Fair Credit Reporting Act.
Consumer complaint received 2024-10-25
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: GOLDMAN SACHS BANK USA (AL)

I had an Apple Card owed XXXX balance o paid of the card last year XXXX. I am getting to understanding that even with the card closed and paid off it is still being reported on my credit asking you would be able assist me with getting this issue sorted out by having them remove the reporting from my credit it is truly harming me i. Total
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

aCCOUTN IN QUESTION : XXXX Transunion, XXXX and XXXX Are reporting in correct information regarding a balance on my XXXX credit acct. For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH
Consumer complaint received 2024-08-30
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXXXXXX XXXX XXXX  XXXX - Balance {$970.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX - Balance {$830.00} XXXXXXXX XXXX # XXXX - Balance {$3200.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-11-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO (IL)

I am writing you today to complain about the problems Ive had with getting Popular Direct to release my finds to me. In XXXX of this year I opened an account with them and quickly realized this was a mistake. I sent them the attached letter requesting my funds be returned to the bank I used to open the account, and I have yet to either get a response from this letter or have them return my funds as requested. Ive made three calls to their customer service department this week about retrieving my login credentials so I can remove the funds myself and they have called me once but I have only gotten conflicting and increasing requirements from Popular Direct. At this point I am still attempting to see what it will take for them to fulfill their fiduciary duty for me and dont have much confidence in them doing so without getting outside help to convince them to do so. Hopefully your organization will be able to help here, thank you in advance for you consideration in this matter. 



Here is the letter I referenced above with my information redacted. 


XX/XX/year> Popular Bank Attn : Popular Direct Products XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I am writing you today to cancel account number XXXX that was opened Monday XX/XX/year> as soon as possible without incurring a charge for early cancellation. Please return the funds to the bank used to make the deposit. And Id like you to extend my thanks to the highly incompetent customer service representatives I talked with earlier today when I couldnt access my new account, I had some apprehension about opening an account with your bank and they proved without a shadow of a doubt that the apprehension was warranted before Id deposited more funds. They also motivated me to finally get identity theft protection, Im worried what they could do with my personal information and hope theres something the bank can do to keep them from utilizing it. 


Regards ;
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Core logic Credit Bureau XXXX : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Apartment XXXX, XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX