davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (AR)

This account was reported closed with a XXXX balance in XXXX or XX/XX/XXXX. Here in XXXX of XXXX Military Star reported that I owed them over {$16000.00} but the credit limit was only {$8000.00}. Not only did they report I owed them more than the credit limit, they reported that I opened this closed account in XXXX of XXXX, they are also reporting that this account is a charge off, they are reporting monthly lates, they are also reporting an account that was originally closed in XXXX. They are violating and taking advantage of me which is destroying my credit reputation. I am asking that someone to please look into this. They are reporting derogatory on all three of my reports. Please help me. 

I also have XXXX credit inquires on my report that I didnt give XXXX XXXX  permission to Run my credit that many times. Please remove them. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NY)

I ended my lease early in XXXX with XXXX and traded in the car with a different dealer. XXXX decided to charge reconditioning fees when the car was traded in. They are the only car dealer who charges for this at the end of a lease. I have asked for a copy of the contract as I would not have normally agreed to pay transportation and reconditioning fees as it is expected for a lease to be returned. I NEVER received a copy of the contract. I paid {$400.00} of the {$630.00} they were charging me because I never got a copy of the contract. They in turn sent this report this account with several inaccuracies regarding this account to the credit bureaus. I do plan on filing a lawsuit because of this as it has tarnished my good credit per FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V.

I am willing to settle this debt however as per the letter they sent on XX/XX/XXXX however this needs to be removed from my credit report or I will file a lawsuit to the fullest extent. 

Per their letter dated XX/XX/XXXX, If you fail to pay the remaining balance as requested above, Hyundai Motor Finance reserves the right to take any and all steps necessary under the terms of the contract and as provided by law to pursue collection of this debt. This may include utilizing a 3rd party collection agency in an attempt to satisfy the balance. In addition, any remaining balance will be charged off on or after 120 days after the Termination date stated above and reported to the credit reporting agencies as a charged off balance. They have not done this and reported this account to my credit report with several inaccuracies
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with a third-party Entity. Clearly, this is a violation of my federally protected rights.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX  Attn : Disputes Department XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Formal Dispute of Inaccurate Account Information - Account No. XXXX Dear XXXX  Disputes Department, I am writing to formally dispute the inaccurate information reported on my credit file regarding the account with the original creditor, XXXX  XXXX XXXX XXXX. The account number in question is XXXX. 
Dispute Summary : Original Creditor : XXXX  XXXX XXXX XXXX XXXX Reported : {$910.00} Date Opened : XX/XX/XXXXXXXX  Current Status : Collection Account, {$910.00} past due as of XX/XX/XXXXXXXX  Grounds for Dispute : Inaccurate Reporting : The account is inaccurately reported as a collection account with a past due balance of {$910.00}. This information is incorrect as the account has been previously paid off and should not reflect a past due status. Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The erroneous information on my credit report has caused significant harm to my credit standing. 
Violation of Consumer Protection Laws : The reporting of this account violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation. Additionally, 15 U.S. Code 1681s-2 obligates data furnishers to provide accurate information to credit reporting agencies. 
Request for Action : I request that you immediately cease reporting this account to all credit reporting agencies and correct the inaccurate information on my credit file. Additionally, please provide me with documentation that substantiates the validity of this debt, including but not limited to : Proof of the original debt, including any contracts or agreements signed by me. 
A detailed payment history showing how the balance was calculated. 
Any communication records showing my acknowledgment of the debt. 
Legal Notice : Please be advised that litigation is pending regarding this matter, as previously noted on my credit report. I expect a prompt resolution of this dispute in accordance with the consumer protection laws mentioned above. Failure to comply with these legal requirements may result in further legal action. 
Closing : I request written confirmation of the actions taken to resolve this matter within 30 days of receipt of this letter. If the inaccurate information is not corrected, I will be compelled to take further legal action to protect my rights under federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).
Consumer complaint received 2024-08-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened an 11 month cd at 4.05 % on XX/XX/XXXX. I deposited {$300000.00}. I was to have received {$13000.00}. Instead I only received {$13000.00}. They shorted me out of {$340.00} I had contacted the bank several times. 
The bank did not start the cd rate till XX/XX/XXXX. I have spoken to their resolution dept on XXXX & XX/XX/XXXX ( XXXX XXXX XXXX ). 
Escalation team Case no : XXXX I've also spoken to XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # employee ID XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Good morning, I am trying to buy a home and during the process in my credit shows that I have a credit card with a debt with cabalas club. I never open that credit card, I spoke with the bank capital one and they told me that they already found something suspicious and the card is already frozen as right now the card is under investigation but it will take XXXX to XXXX  days to solve the problem. like I mention before I am trying to buy a home and I urgently need to clear my credit as soon as possible. I would really appreciate if you could please speed up the process.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I purchased a XXXX XXXX XXXX from XXXX for {$540.00} on XX/XX/XXXX. I did not like the item and did not want it so I shipping it back to XXXX via the shipping label they provided on XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX as I did not see a refund on my card still and they had confirmed they received the item. XXXX then proceeded to tell me they were going to keep both the item and my money unless I provided them with a photo of my driver 's license. I refused this request and asked for either the item or my money back. XXXX refused this request. 

On XX/XX/XXXX I contacted my credit card company, Capital One, and opened a dispute. My credit card company requested the tracking number ( which I provided ), issued me a temporary credit for the full amount, and told me I would hear something soon. 

On XX/XX/XXXX my card again was charged the full amount of {$540.00} and I called Capital One. Capital One requested a photo of my tracking number which I provided. 

On XX/XX/XXXX I received a message from Capital One stating the photos I had sent in lacked the necessary information needed to process this claim. I called Capital One who told me I needed to send in a signed document explaining why I returned the item and why I didn't want to send in a photo of my driver 's license. They also requested a photo of the support interaction where XXXX was refusing to refund me and a photo of the order details. I provided these via email while remaining on the phone and Capital One said they couldn't help me today but would review the documents. 

At this point I feel my item and money are being held hostage and both XXXX and Capital One are unable to help me. Please help me CFPB.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (MA)

Sofi Banking decided they would lock my account for months on end if I didn't confirm with them my ID when I already confirmed with my Social Security to create the Account. They locked my account and I need my funds back these people are holding it back from me paying my bills and are in my way of life, Please help me with their horrible Banking System
Consumer complaint received 2024-08-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WI)

This account is inaccurate and needs to be removed from my report. Any and all accounts with inaccurate info has to be removed. Please remove this from my credit report. Any accounts not removed after being reported as not accurate is eligible for lawsuit. I will file. The address and the phone number is not accurate.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

A checking account was opened with Truist Bank in late XX/XX/2024. On XX/XX/2024, I deposited a check for {$3500.00}. The check was from my own account at XXXX XXXX XXXX. The funds were received from my employement as a XXXX XXXX  The funds were transferred into the truist account with the purpose of making an online payment. 

I was notified the following day, that due to the large amount deposited during the first 30 days of having the account, an additional hold period would apply to the check until XX/XX/2024. 

On XX/XX/2024, the check cleared, however, the account became completely restricted without access to any of my funds. During a phone call with the bank, they refused to communicate me with their fraud department. They did not have any information or reasons for the hold. The funds are inaccessible at this time without any due process or reason.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

I recently opened a checking account with Ally and transferred funds from one of my accounts into it. After moving some of these funds to other accounts, Ally restricted my access for an unspecified investigation. Despite giving them a call and providing all requested information, they have informed me that they need additional time to complete their review. The call lasted only 10 minutes but the wait was about 40 mins. This means Im left in limbo, unable to access my money for an unknown period.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX MERCEDES BENZ FINANCIAL Fraud Department XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : ACCOUNT NUMBER ( s ) XXXX Dear Fraud Team : I am writing to bring to your immediate attention a fraudulent account held under my name with your organization. I am victim of identity theft, I do not have a record of this account and any charges associate. 
I urgently request that you remove the fraudulent charges ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I understand that this situation may cause some inconvenience, and I appreciate your understanding and prompt attention to this matter. Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report CFPB 's Notice to Furnishers of Information [ PDF ]
Consumer complaint received 2024-07-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (GA)

Mohela my loans showed zeroed out. Said my loans were forgiven. I called and the lady told me it was forgiven due to borrowers sentence and congratulations. XXXX showed them zeroed out also. A week later they are back and mohela said they dont see where they were forgiven and I said mam I have screen shots and I am sure you all can see what I see, she said someone would have to look into it.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I had credit card debt with Capital One. I never received notification from XXXX XXXX stating that they took over this debt from Capital One, Nor have they even tried to contact me. They sent this to their attorneys who have recently have XXXX complaints from me on this matter about how this bill turned into an XXXX credit card debt that was originally a little over XXXX. If this debt is truly over XXXX, they need to send me the bill of sale of this information or an itemized letter showing exactly as to how this has been turned into what it is. Including the interest they added onto it. 
They never let me dispute nor even talk to them before they sent it to their attorneys office who is just as crooked as this company is. They had their attorneys sue me regarding this matter. I was never served by anyone and then the next thing I know it I received a garnishment. They attorney 's have all ready taken over XXXX bucks over the time frame. This debt should be considered satisfactory and paid or is this company that greedy? If they expect me to sit quite over this matter they have another thing coming. I know they expect people to not know their rights and is why they and their attorneys have had many class action lawsuits against them. They have me under XXXX XXXX which was my maiden name. Not only that I was in the process of a XXXX situation at this time.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Date of transfer return : XX/XX/year> Amount : {$45.00} Actions taken : By me : XXXX. Started chat on XX/XX/XXXX with multiple follow-up sessions XXXX. Made at least XXXX phone calls, and had recipient contact XXXX XXXXXXXX XXXX 
XXXX. XXXX XXXXXXXX XXXX  said they only deal with XXXX Bank as their intermediary; confused why XXXX XXXX XXXX was involved. 
XXXX. Asked HSBC for XXXX XXXXXXXX XXXX rejection message. 
XXXX. Forwarded rejection message to XXXX XXXXXXXX XXXX. 
XXXX. XXXX XXXX Bank was confused why HSBC did an international wire transfer on a XXXX transfer. 

By HSBC XXXX : XXXX. XXXX XXXX which XXXX XXXXXXXX XXXX  ( the recipient bank ) couldn't make sense XXXX. After escalation, reached out to XXXX XXXX XXXXXXXX for a refund XXXX. Refund request got rejected ( over a week delayed in responding to me ) XXXX. Denied any responsibility XXXX. Customer service claimed that the person who can help on a new case number ( XXXX ) wasn't around on weekends.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, I reported fraud on my Wells Fargo XXXX credit card in the amount of {$8000.00}. I contacted the company immediately to review my case. On XX/XX/XXXX, my claim was denied, on the grounds that the card was in my possession during the reported transactions, and the card has a metal chip that can not be copied. On XX/XX/XXXX, I reopened the claim and submitted a police report, employee time card, and credit report to prove that even though the card was in my possession, I was at work during the charges. On XX/XX/XXXX, the claim was denied again for the same reasoning- that the card can not be copied, which can not be true, since the card was in my possession and still incurred {$8000.00} of fraudulent charges. On XX/XX/XXXX, I reopened the claim again. Even though Wells Fargo insists that consumers are not responsible for fraudulent charges, they are accusing me of spending this money and refusing to wipe the charges from my account.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-07
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. (MS)

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 2024-07-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.