davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatelyunder 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX  Delete this immediately
Consumer complaint received 2024-08-19
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. (GA)

I'm setting up to offer my misgiving concerning the tried records on my credit report. On various events, I have raised the issue of errors in these records, and have continually alluded to that they be all around separated. In spite of my undertakings, I in a little while clearly can't get any objective or repairing movement. These misguided records are genuinely hurting my credit report and deterring my ability to happen with a regular life. The antagonistic outcomes of these slips up have caused tremendous challenges for me, and I'm left with no choice next to battle for your assistance with keeping an eye on what's going on at the earliest doorway. I carefully request that you direct a thorough assessment concerning the fundamental of these tried records. It is basic that the pivotal advances are taken to enable and change my credit report immediately. With your help, I really want to restore the exactness and customariness of my credit record so I could recuperate control over my money related thriving. I really urge you to present this matter your for the most part absurd suggestion and take a catalyst action. Your coordinated effort and moving in settling this issue rapidly would be gigantically critical. Thankful to you without skipping a beat for your perception and help.
Consumer complaint received 2024-08-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CO)

Our home equity loan was transferred to another lender and the correct balance was not transferred. The last statement received from Shellpoint shows a {$7000.00} principle payment that was not transferred to XXXX XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I made my mortgage payment on time however it had a small shortage due to an escrow amount change. The bank impounded my monies, did not apply them, did not return them Rather they held them with full use of the funds and did not compensate me interest. 
The amount that was sent in on time easily covered the principal and interest on the payment as well as 90 % of the escrow. The remaining shortage was already in escrow reserve so I had enough personal funds to meet the commitment. The bank also did not use my full contact information to notify me of the issue, e mail mobile numbers for myself and my wife were ignored. A letter was sent out and a message was left on an old work number. At the least horrible customer service but truly a deceptive business practice. They gather this information leaving the customer secure in the knowledge that the bank can contact you in the event an issue arises. Since amble monies were present to make the payment in full. A payment was never received by the bank late, and the fact they just sat on my funds is a great abuse of the relationship. When I complained to the bank they said they could not help me because XXXX XXXX is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Well if this is the case where is the fairness and accurate information. The report should say on time payment short a small amount. The late payment leads creditors to believe the payment was not made at all. This is a very big difference. I submit that the bank is in direct violation of the fair credit reporting act by not reporting ACCURATE information of the situation. This situation has caused me to be denied credit and dropped my score XXXX pts for my wife and I.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KS)

I requested XXXX times back in XXXX, XXXX, and XXXX of 2024 for the inaccurate and false bankruptcy to be removed from my credit reports, and they failed to tell me where they were verifying the information and the only place they could verify was from the court itself which the court does not verify records to credit reporting agencies. Attached Document : My rights have been violated and the credit reporting agencies have violated the FCRA : According to the FCRA, they have violated XXXX laws : 1. 15 U.S.C. 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy 2. 15 U.S.C. 1681b ( a ) ( 2 ) No Permissible Purpose/ No Written Instruction 3. 15 U.S.C. 1681s ( 2 ) ( a ) Furnishers Must Not Provide Information that They Know to be False and that Can not Be Verified
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to express my deep concern and frustration regarding the inadequate and nonchalant response I have received from CAPITAL ONE AUTO FINANCE in relation to my ongoing credit dispute. Despite my repeated attempts to resolve these inaccuracies in my credit report, your company has consistently failed to address this issue appropriately. 

I am disturbed with the damaging effect it has on my credit profile and my credit standing. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
No doubt the inclusion of this inaccurate information is either a mistake on your part or on the part of the credit Bureaus. Due to the inaccuracies/mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted me. 
On XXXX of XX/XX/year>, I submitted a formal dispute concerning the inaccurate information being reported to the credit bureaus regarding the above-referenced account. On the XXXX of XXXX, you mailed out your response to me saying Capital one Auto Finance is Reporting Accurately. 
I disagreed with your outcome and went ahead to file my XXXX Dispute through the CFPB portal. On the XXXX of XXXX you responded saying you are going to conduct a research on my concerns and get back to me. 
You conducted your research and got back to me with the same outcome as the previous dispute. 
Based on all your research and findings I have not received a satisfactory response from you. I have observed a persistent lack of effort to correct the erroneous information, which has resulted in continued harm to my credit standing. 

I am writing to express my ongoing concern regarding the dispute I have initiated with Capital One Auto Finance. While this dispute is still in process, I have observed additional changes and errors on my credit report related to this account, which is causing me considerable stress and frustration. These errors are negatively affecting my XXXX XXXX and overall financial standing, and they appear to be directly linked to the ongoing issue with my account.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-08-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I purchased XXXXXXXX visa gift cards on XXXX. XXXX, 2024, but the visa gift cards were unable to use in multiple stores. When I called the number on the back of the cards, I was told that the card was locked to prevent fraud, and the representative opened a case ( case number XXXX ) ; I needed to provide documents to prove my identity and purchase to move forward. On XXXX. XXXX, 2024, I followed the instructions and emailed the required attached document ( original receipts, utility bill for address verification, my government issued photo ID ) in XXXX to XXXX, and include the case number in the subject line of the email. I received the automatic reply that confirmed the receipt of information. But after over XXXX business days, I called on XXXX XXXX, 2024 to follow up the progress, the representative said the case status was " closed '' in error, so the case was escalated, and there would be a follow up within XXXX business days. However, I did not receive any information after that.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
JPMCB CARD SERVICES XXXX and JPMCB CARD SERVICES XXXX
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

I recently open an account with Citi Bank I had my money wired from my label and the same day my money made it to my newly opened Citi account they closed my account with no reason as to why just that fraud has been detected and said I have to wait 30-60 days for the account to close and 2 weeks for the check with my funds on it too be sent. that's all the money I have and I can't wait 2 months I have bills to pay I have to eat and I don't know what i'm going to do as of right now
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma (TX)

XX/XX/XXXX amountXXXX XXXX XXXXXXXX XXXX XXXX reversed these payments to credit karma they have provided me the transaction Id credit karma states they do not see any reversed transaction from cash app. Now cash app states that they have no further information to give me I have to take it up with credit karma and that are not trying to help me at all
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I have disputed this account listed on my account less than 30 days ago and through CFPB and received a response that did not provide me with the verification I requested. 

What I requested was : Please note that I am requesting validation ; that is competent evidence bearing my signature.This was not provided. I was given a letter in which included a pile of bills saying I owe {$2100.00} on my credit report states {$2100.00}. You are violating my rights. 

I filed a complaint with Better Business Bureau this account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX of XX/XX/year> I did a written contract with Bank of America to refinance my car. In the contract it was stated that my car loan in the other bank ( Santander ) was fully paid off by Bank of America. I received a letter from Bank of America that they opened an account for me and my next loan payment was due to XXXX of XX/XX/year>. In actual fact my car loan in XXXX was not paid off at the date of singing the contract with Bank of America. 
Several days later in XXXX representative of the Bank of America phoned me and informed me that the Bank of America issued the check for the amount of XXXX and sent this check to XXXX Bank, however, the check was stolen and then cashed. 
As a result, I became the victim of the fraud and forced to make payments on loans both at Bank of America and XXXX. 
Bank of America started the investigation. I requested to halt all payment demands until the investigation was completed and my loan in XXXX was fully paid off as it was stated in my contract with Bank of America. They refused to do so. On the XXXX of XXXX I made a monthly payment to XXXX account. 
Bank of America paid off my car loan in XXXX only on the XXXX of XXXX. As a result of this, I had to make my monthly payments to XXXX different banks : XXXX and Bank of America. Because of this I had financial loss in the amount of {$640.00} - monthly payment to XXXX.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (LA)

There is this chargeoff on my credit reports from Montgomery Wards. I've never had a account with them nor have I ever applied for an account with them. This has negatively affected my credit for years. I've tried everything to have it removed to no avail. I've been hurt enough by this being on my credit.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MI)

I have had my phone hacked for information that was leaked thru American Express because my account I cant even get in because Im scared that they will hack my account again. So I need American Express to close the accounts and re open new ones since all the information was leaked and all the accounts were compromised with all my information. So I need American Express to close all the accounts and send me new cards with different account since the information was compromised. Also need American Express to not allow anyone calling or spending from all accounts since I do not have access to the accounts to do not let anyone use or even they call because my info was compromised and need new account and the old one to be completely closed. I received a letter from American Express that they need I have been with American Express since 2017 and The letter they saying that they will close my accounts and they extending my own credit and as a service they should not be doing that specially when I am going thru identity theft and someone hacking to all my information and using my account and all They should do is offer a security close the accounts and send me a new one since I been since 2017 and they never or never had issues with them. Also as I use translator to write all This my main lenguage is XXXX  and when they send letters they send in English which many words do not translate the same and causes misunderstandings
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AZ)

Resurgent Capital Services in South Carolina falsified a court processing document of service in order to keep me in the dark about a court filing in an attempt to gain a financial judgement. Resurgent obtained the judgement through false means and the court has taken action regarding this matter. They claim they served my wife when I was not married. This is a criminal offense. The South Carolina attorney general has also recieved our complaint. We have also reached out to Creditors that Resurgent Capital Services collects for, and notified them of this company using illegal collection activity for its financial gain
Consumer complaint received 2024-08-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SOP Pioneer Partners LP (GA)

15USC 1692 ( 2 ) a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

2 ). Service Member Relief ACT SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

Jefferson Capital Systems - XX/XX/year> - This company remains as a collections on all three of my credit reports. I recently received a letter in the mail attempting to collect a debt for this same account from XXXX. When I spoke with the agent this month from XXXX, she advised me that they recently received the account in XX/XX/year> and would submit a dispute to XXXX to verify debt. However, Jefferson Capital Systems still remains on my report for the same debt and reports monthly of no payment received when they do not have the account.
Consumer complaint received 2023-03-31
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 am STILL fighting to get these charges off of my credit, that were removed and then they put them back on there. XXXX XXXX XXXX the Billing company for XXXX XXXX and XXXX XXXX. I have been trying too get the information from the claims that were billed to my insurance company, billed claims, denied claims, correspondence with my insurance company. XXXX can only provide the invoice from the collection account they " brought '' from XXXX XXXX and when I attempt too contact XXXX XXXX or XXXX XXXX both companies have been closed down permanently, due too lawsuits from fraudulent billing charges. I also checked the XXXX all three companies XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  have complaints for fraudulent billing practices. I feel these charges are a scam, especially since they can not provide any proof or even the dates that I supposively used their services. I have disputed and filed complaints on MULTIPLE OCCASIONS. Can someone check into these fraudulent companies with their fraudulent charges.
Consumer complaint received 2024-08-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (OH)

Account # XXXX Amsher Collection Service 1602 A. States I have the right to privacy.

lon 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without n a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any oi on Any other adverse item of information, other than records of convictions of crimes which antedates t 1 years.

1s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting age or has reasonable cause to believe that the information is inaccurate.