davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, P.C. (GA)

Called in and Attorney was very verbally abusive and claimed that I did not over pay for my debt even though I confirmed with payroll from my employer that I over payed on my debt in excess of XXXX and was due to still have my wages garnished on my very next check.
Consumer complaint received 2024-08-27
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. (FL)

I am writing to formally request an investigation into the credit reporting practices of Equifax and XXXX. After a thorough review of my credit reports, I have identified several inaccuracies related to the following accounts : XXXX XXXX XXXX XXXX XXXX : Account Number XXXX Upon review, I noticed that critical information such as the open date, the date last active, and the date of last payment are inconsistently reported across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, I have identified additional discrepancies that I believe warrant immediate correction : Charge-Off Balance Reporting : One of my accounts, listed as a charge-off, is still showing a balance even though it was sold to a debt collector. This is inaccurate reporting, as the original creditor no longer owns the debt. The balance should be listed as XXXX, particularly since I have not received a Form 1099-C for cancellation of debt income, which is required for tax purposes when a debt is canceled. 

1099-C Reporting Issue : In my communications with XXXX, I was informed that I would receive a 1099-C when the statute of limitations expires. However, if the creditor has already reduced their tax burden by reporting the charge-off to the IRS, I should have received a 1099-C to include in my 2023 tax filings. The fact that I have not received this form raises serious questions about the accuracy and legality of the continued balance reporting on my credit report. 

Given the discrepancies and the potential legal ramifications under the FCRA, I respectfully request that the CFPB conduct a thorough investigation into Equifax and XXXX 's reporting practices regarding these accounts. I urge you to ensure that all inaccuracies are corrected, including the removal of any improperly reported balances on charged-off accounts. 

I trust that the CFPB will take swift action to uphold the integrity of the credit reporting system and to protect consumers like myself from the damaging effects of inaccurate credit reporting. 

Thank you for your attention to this urgent matter. I look forward to your response and to the prompt resolution of these issues.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

XXXX Within the last 6mo on my loan the loan holder my car ran out of oil, my wife insisted i get an oil change. While there they sabotaged the transmission. I had been 4 payments behind in the past and got caught up. I got 2 payments behind on the last XXXX of a XXXX loan and they repo 'd it. 

XXXX  On the car I have bought since then they sabotaged the clutch while I was in a store. I had it taken to a shop when several of the parts were stolen and XXXX just claims wear and tear. I did however notice the tire caps I bought had been stolen and the ones they were replaced with were the ones from the repo 'd car.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

I would like to request Monetary Relief via CFPB due to account listed below was deleted from my XXXX Credit Report and then ILLEGALLY REINSERTED after it was deleted on XX/XX/XXXX. I received no 5 day notice as required under the FCRA. 

Account : SYNCB/Car Care Pep Boys XXXX According to XXXX Report # XXXX Date Generated XX/XX/XXXX this account was deleted. ( See Screenshot Attached ) However, it is reporting on my XXXX credit report today XX/XX/XXXX. 
This account has been illlegally REINSERTED.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

Hello, Please see info below regarding the dispute and info i have sent to Citi bank dispute department. But they are saying I need to get in writing from the second dealer who fixed the issue that what the first dealer did was incomplete or wrong. I checked with the second dealer and they said, we have given you all the info you need for this case. It is very logical to understand as our receipt date is after the first, the issue is the same ( meaning it was not resolved by the first dealer ), the parts replaced were different, and what was replaced by first did not resolve the issue. 

Here is the chronology of what happened. 
1. On XX/XX/XXXX, I took my daughters XXXX XXXX XXXX car that showed 'Check Engine Light ' indicator to my nearest XXXX XXXX XXXX. 
2. They ran the tests and told me PCV valve needs to be replaced. I authorized the repair 3. When i got the car back, as they drove it to me, they told me oh the engine light came back on so we need to inspect this further. At this point i had already paid ( {$400.00} ) and was ready to receive the vehicle. They told me to bring the car back in next day for re-inspection. 
4. My daughter took the car in next day ( XX/XX/XXXX ) and on the phone the service adviser ( XXXX XXXXn ) told me that another part needs to be replaced and it will cost me another {$300.00}. I talked with her extensively that how will i know if the first part that was replaced was even necessary when it didn't fix the issue. She said unfortunately this is how it goes and nothing can be done. I asked her about warranty and she said none of these parts are under warranty. At this point i had very low confidence in this dealership and i wanted to take to another dealership. 
5. On XX/XX/XXXX, the car was taken to XXXX XXXX. They inspected the vehicle and said, there is a service advisory on this engine light issue and it will be fixed free of cost. 

I am attaching the receipt and details form XXXX XXXX who fixed the issue for me. 
If you check the service Bulletin, replace PCV valve was only for models XX/XX/XXXX and XX/XX/XXXX. My car is a XX/XX/XXXXmodel and the action suggestion for that is to clean the throttle valve and chamber. 
This proves that wrong part was replaced for my car for which i was charged the {$400.00}. They were trying to get another {$300.00} out of me to replace another part where as XXXX XXXX dealer did all the work free of charge cause it was a known issue with these models. 

The dealer is not willing to work with me on this as i have tried on XX/XX/XXXX. I am relying on Citibank to help me dispute this charge. I have attached all the documents to support my case. 

1. Receipt from XXXX XXXX 2. Service Bulletin
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

i was XXXX  in XXXX  and XXXX XXXX  XXXX yrs in XXXX XXXX i have proof i was just released XXXX early on XXXX  from the department of corrections which means this was in no way me on this capital one account after looking on my credit report i see that someone has had the card and has been using it for years along with fraud bank accounts and multiples fraud inquiries has been added to my credit profile concerning capital one accounts please help me remove this fraud from my report this was not me on this account i attached XXXX photos XXXX of my charges and XXXX of my notice of release from prison
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (MO)

I pulled my credit report again on XX/XX/year> and seen that Security Credit Services has been placed back on my credit file saying that they verified that this account is accurate but have been removed from my credit file mutilpe times without showing mt prrof of the debt they say i owe them. I have asked for the bill of sale and also reqested that this company been on a cease and desist until they can prove the I made a consent or any business with them. They have damaged my life and my credit over the years and I demand this to stop immediatel under 15 USC 1693 ( g ) and 15 USC 1692 ( c ). They have now sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX which I also want to request a cease and desist to as well for trying to attempt to collect a debt that is not mine but cant not prove that I have consent or done business with. I have been demanding a proof of bill of sale or a purchase agreement for this debt but nevr get nothing but a piece of papper with credit card statements saying that is validation proof which anyone can get a copy of a statement on a XXXX letter paper.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

Accepted as value / accepted for value and returned for value as consideration for settlement and closure of the account according to UCC 1-308, HJR 192, 1933, and U S Constitution, Article 1, Sect. 10.

Signed : Without prejudice UCC 1-308, Date XXXXXX/XX/XXXX
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: SYNCHRONY FINANCIAL (FL)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Delete Late Payments 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-08-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (FL)

Accepted as value / accepted for value and returned for value as consideration for settlement and closure of the account according to UCC 1-308, HJR 192, 1933, and U S Constitution, Article 1, Sect. 10.

Signed : Without prejudice UCC 1-308, Date XX/XX/XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Customer Service Department Bank of America Subject : Request for Removal of Negative Information from Credit Report under 15 USC 1681n Dear Bank of America, I hope this message finds you well.

I am writing in regard to negative information that has been reported on my credit file in connection with my Bank of America account. After reviewing my credit report, I believe this information has been reported without my consent and may constitute a violation of the Fair Credit Reporting Act ( FCRA ) as outlined under 15 USC 1681n.

Specifically, the FCRA requires that any information furnished to credit reporting agencies must be accurate and fair. In this case, I never provided express consent, either written or universal, for the reporting of negative information on my personal account. Furthermore, Congress response to the XXXX pandemic in XXXX  highlighted the importance of protecting consumer credit during these uncertain times, especially as the pandemic presented numerous unprecedented challenges for many Americans. 

Given the circumstances and in accordance with the FCRA, I am formally requesting : A review of the negative information reported on my credit file and its immediate removal, as I did not authorize its inclusion. 
An explanation of the processes you have in place to ensure that consumer consent is obtained before reporting negative information. 
Written confirmation that any negative information related to my Bank of America account has been removed or corrected from my credit file.

Please note that under 15 USC 1681n, unauthorized or inaccurate reporting may entitle a consumer to seek damages for willful non-compliance with the provisions of the FCRA. I trust that Bank of America will handle this matter promptly and avoid any need for escalation. 

Thank you for your attention to this important issue. I look forward to your timely response and resolution. 

XXXX XXXX without predjuice UCC 1-308
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I work for XXXX i got my funds deposited into my account and right after they closed my account its been more than 2 months since i had the account and they said its cause they cant verify me and i already went in the bank today XXXX which is my birthday i had 3 transactions in dispute my mom made 2 atm deposits and a purchase which i never received later on when i log in it was no funds in my account so i disputed the 2 atm deposits my mother made I believe it was XXXX 6 days later my account is being closed never got a msg an email an phone call nothing i went to the bank they told me my account can accept deposits but cant withdraw or be debited which make no sense to me its my birthday theyre stealing and this is not ok am im willing to go into litigation and create a lawsuit cause this is not the first time this happened to someone its numerous reports on this and i cant believe this happened on my birthday for now on i know to keep an extra bank account at another bank and keep funds in 2 separate accounts because this is not how you do business and they are very rude very rude for no reason a customer shouldnt have to feel belittled or maybe it was cause im XXXX XXXX but what ever i just know they closed my account and i asked when will i get my check for the funds in my account he said it depends on when the account close i asked when will it close he said its no tellin hes not sure so they holding onto my work pay also that i just deposited into my account last night XXXX I even went to the bank cause over the phone i was told to go into branch and confirm my identity they set me up for an appointment but told me also to call customer service i called them up and yeah the guy had a nasty attitude talking down on me as if i stile something when its my money in my account no checks was used its cash how are they holding my cash! And telling me they dont know when my account will be closed all the way and they wont know when theyll be able to send me my funds until my account closes out all the way
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc. (VT)

I got a phone call from some one saying thay could help me with my bad credit so I listened and that had me pay like XXXX or so thay cond me in to something I didn't understand when I was like XXXX now that are saying I owe like XXXX which is ridiculous and they constantly call me and harass me
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX My information was included in the XXXX XXXX XXXX. I was reviewing my report and noticed that I have inaccurate accounts reporting to my credit report. I have no knowledge of this account or why they are reporting to my credit profile. This is considered fraudulent. XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted.
Consumer complaint received 2024-06-27
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. (GA)

To Whom It May Concern, I would like to submit a complaint against XXXX XXXX XXXX due to selling my Personal Information to a third-party agency without my consent. This clearly violates the FCRA Section 623 ( e ), which violates my consumer law rights. I recently pulled my credit report and noticed that several inaccuracies raise major concerns. I was recently served and threatened to be sued by the original creditor. Could you please look into this and provide a cease and desist, to stop the unlawful suit filed against me and remove the negative/erroneous remark from my credit report?

I greatly appreciate you investigating this matter. I have attached a copy of my 3 Bureau Report and Scores which reflect the inaccuracies being reported by the Original Creditor to the Credit Bureaus. 

Thank you.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On or around XXXX XXXX XXXX upon arriving back from my work XXXX as a XXXX XXXX I discovered that my personal information had been used to obtain credit and goods without my authorization. During the duration I was in contact with law enforcement and Wells Fargo and eventually given a law enforcement report ( XXXX ) including but not limited to three separate supplemental reports outlining additional forgery and identity theft surrounding stolen checks and my compromised identity. 

Moving forward and over the duration of the next several months I was forced to close several banking accounts, place blocks on my personal information with all major credit bureaus, and constantly monitor my personal information and financial institutions for a breach, not to mention the time I have had to take off work to address. 

On XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the Wells Fargo Fraud Department to notify them of my recent review of my bank statements online and my discovery of several checks which were not authorized or signed by me. Having previously gone through this, Wells Fargo continues to not assist clients when fraud occurs and usually refers clients to their depository handbook in an effort not to reimburse the theft and monies placed in the care, custody and control of Wells Fargo. While on the phone outlining to the fraud department that the following check ( s ) made out to the same person were check ( s ) that were originally stolen in law enforcement report ( XXXX ). Additionally with the assistance of the fraud department we found the following checks to have been forged : Check XXXX Date : XX/XX/XXXX Amount : {$6400.00} Check XXXX Date : XX/XX/XXXX Amount : {$1200.00} Check XXXX Date : XX/XX/XXXX Amount : {$2400.00} Check XXXX Date : XX/XX/XXXX Amount : {$3500.00} Check XXXX Date : XX/XX/XXXX Amount : {$6500.00} Upon reporting this ongoing fraud, I was given a reference number ( XXXX ) and told I would receive information in the mail including but not limited to a provisional credit while this matter was investigated. We are now sitting on XXXX XXXX XXXXXX/XX/XXXX and I have not received any further correspondence. Since this theft has occurred my personal and business accounts have been overdrawn and Wells Fargo has done very little to make my accounts hold and return the monies. In addition to not supplying the mandated paperwork they have failed to conduct any type of investigation and the harm this forgery has caused is undetermined at this time.
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TN)

This debt collection is attempting to report and collect a debt by XXXX that is not correct. the balance states I owe XXXX which is incorrect. My phone was disconnected due to non payment which was XXXX at the time. which was in XXXX, XXXX  in XX/XX/2022 an additional fees were added. The CS states that i will be credit. XXXX then stated the bill was XXXX dollars and the credit made it to XXXX. I never received a bill for XXXX and at the time my bill was only the XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

recently i looked at copy of my credit report and noticed several inaccurate in my account. this account is hurting my ability to obtain credit. I don't have any contract with this company and a don't know it. it is my undertstanding that you will investigate these items for me to ensure accurate : transunion : XXXX / NUMBER ACCOUNT : XXXX DATE : XX/XX/year> XXXX