davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I am tryuy upset at how the credit bureaus have allowed fraudulent accounts report on my consumer reports. This is not fair to me and my family as I am trying buy a house for my family and I can not do so because the negligence of the credit agencies allowing such accounts to be reported. I have wasted alot of my time with house shopping just to find out I have accounts thats not mines on my report. I take my credit very serious. So this is a defamation of my character and negatively impacting my livelihood. Please help me resolve these issues. I pay my bills on time. According to 15usc 1681 I, the credit bureaus should be in compliance and not neglecting my consumer report. As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I pay all my payment until I contact them to let them know the car is worth more than the loan so can we sell the car and everyone walk away with everything pay off they come pick car up sell the car and nothing from them until I see I owe them {$11000.00},
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/2024 I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 
XXXX XXXX Account # XXXX
Consumer complaint received 2024-08-17
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: AMERICAN EXPRESS COMPANY (MI)

I have used the website help and have called the number listed on the card. Both offer ways to use the card and tips. I have tried to use the card at multiple online and in-person merchants including XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX . All declined without explanation. Most recently I tried to order {$12.00} worth of product from XXXX on XX/XX/year>. I checked the card balance before and after the purchase and it has {$25.00}. XXXX declined the transaction. 

I have tried to contact customer service through the website and phone number listed on the card. Both are loops of automated options with no way to speak with a person and therefore no way to get actual help.
Consumer complaint received 2024-08-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Credit Fresh Holdings Inc (FL)

I am not liable tor this debt with XXXXCREDITFRESH. I do not have a contract with XXXXCREDITFRESH. They did not provide me with the original contract as I requested
Consumer complaint received 2024-08-17
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: DISCOVER BANK (CO)

On XX/XX/year>, I reached out to discover card company inquired to block specific merchant ( XXXX XXXX XXXX XXXX  ) from charge on credit card. However, the charge still on through on XX/XX/year>. 

Last 4 digits of credit card XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

XX/XX/year> went to BEST BUY to buy appliances .Sales person told us there was a promotion for store credit if we opened credit card with their store and used for purchase.We opened account and spent additional money on card. We were issued store credits in sum of {$160.00}. When we came back to store manager was unable to apply it. He said it was a corporate problem and gave us their number The store credits had a scan bar and member ID of XXXX. We spent over XXXX hours over next few days talking to XXXX different corporate customer service representatives, none were able to help us.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MA)

Dear Discover Financial Services, I am writing to formally dispute and request the removal of an alleged debt of {$460.00}, reported as a collection or charge-off on my XXXX credit report. This account appears to be fraudulent as I have been residing in XXXX for the past 10 years and was not present during the period in question. I have no knowledge of this account and have never entered into any contractual agreements with Discover Card or the original creditor. 

The inaccuracies related to this account violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Evidence of Authorization : Under 15 USC 1692 ( e ) and 1692 ( f ), I require evidence of your authorization to manage and collect this debt.

Legal Basis : I need a clear legal basis for the collection of this alleged debt.

State Authorization : Proof that you are authorized to operate and collect debts in my state.

Evidence of Debt : Detailed documentation of the alleged debt, including any contracts or agreements with my signature.

Account History : A complete account history, including all collection-related charges. 
Your actions have infringed upon my rights under the FDCPA, including : 1692d : Engaging in harassment or abuse related to debt collection. 
1692e : Making false, deceptive, or misleading representations.

1692g ( b ) : Failing to properly disclose my rights.

1692f : Using unfair or unconscionable means to collect a debt.
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: SUNRISE CREDIT SERVICES, INC (FL)

**Subject : Violation of Fair Credit Reporting Act ( FCRA ) Failure to Provide Debt Validation** Dear CFPB, I am writing to file a formal complaint against Sunrise Credit Service , regarding an entry on my credit report and their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

**Details of the Complaint : ** 1. **Creditor/Collector Information : ** - **Name : ** Sunrise Credit Service - **Account Number : XXXX XXXX 2. **Nature of the Complaint : ** - **Date of Dispute Request : ** XX/XX/year> - **Issue : ** I do not have any recollection of doing business with Sunrise Credit Service XXXX Despite my request for debt validation, which I submitted on XX/XX/year>, they have failed to provide a proper debt validation or purchase order. 

3. **Violation of FCRA : ** - Sunrise Credit Service has failed to comply with the FCRA requirements by not providing a valid debt validation in response to my request. As required under 15 U.S.C. 1692g of the FCRA, they are obligated to provide verification of the debt upon request. Their failure to do so constitutes a violation of my rights under the FCRA.

4. **Requested Action : ** - I am requesting the immediate removal of this entry from my credit report. This collection account is inaccurate and unverifiable, and its continued presence on my credit report is adversely affecting my creditworthiness.

Please investigate this matter and take appropriate action to ensure Sunrise Credit Service complies with the FCRA. I would appreciate a prompt resolution to this issue and confirmation of the removal of this incorrect entry from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I deposited a check for {$5000.00} into my Citizens Bank account on XX/XX/XXXX. At the time of deposit Citizens put a hold on the deposit for 6 days. The money was paid to Citizens from the check writers account on XX/XX/XXXX which has been confirmed by XXXX XXXX XXXXXXXX, from where the check was written. Citizens currently has the money. Citizens Bank has since put a hold on the deposit until XX/XX/XXXX. I have called Citizens bank many times, including with the check writer and a manager from XXXX XXXX XXXXXXXX. No one at Citizens Bank is able to tell me anything about the hold or why the money has not been released. The manager at XXXX does not see any issue with the deposit or the check. Citizens Bank service actually asked me to call the same number back to get the same information which is asinine. In my opinion Citizens Bank has XXXX reason to have a hold on the deposit and are in essence holding the money hostage. There is no way to cancel the deposit by the check writer because it has already been sent to Citizens and Citizens tells me there is no way to cancel the deposit by myself at Citizens. Waiting three weeks to receive funds from XXXX local banks is unacceptable, even more so having no one at Citizen who can explain to me why they are doing this is unsettling. Please help in any way possible.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

In early XX/XX/2024, I refinanced an auto loan that was originated by Hyundai Motor Finance. Because of lag time in receiving the payoff check from the new lender, I had to keep paying my loan. As a result, I had an overage in my account of about {$1000.00}. 

Hyundai cleared my payoff on XX/XX/XXXX or XXXX -- I've been told XXXX different dates. My refund has been " pending '' since XX/XX/XXXX, according to them. They are telling me that it takes 30-45 days to issue a repayment for an overage. I'm bewildered. This is money I DID NOT OWE. It's sitting in their account collecting interest -- there must be other situations like this. 

I have called them twice ( XX/XX/XXXX and XX/XX/XXXX ) to ask them to release the funds, and to explain why it is taking so long. They told me that if I had simply made a double payment and was still a customer, it would 10-15 days to resolve. But apparently because I have paid off the loan and am now an ex-customer, it takes 30-45 days. They can not explain a rationale for this.

It strikes me as abusive and utterly unfair that they get to hold onto my payment for a month and half for apparently no good reason. They will not even consider escalating the matter until 30 days have passed, for reasons that no doubt make sense to them. 

As a consumer, I'm really disappointed to be mistreated this way. I had a great auto buying experience, but after 8 months I had an opportunity to get into a better-price loan, and I took it. All the goodwill that they built up with me during the car-buying experience has been squandered by this egregious practice of holding onto people 's money long past any reasonable deadline. Clearly, they have the CAPACITY to make a refund in 10-15 days, because they do it for other accounts. They just choose not to do it in this instance. 

I would be very curious to know how much money gets tied up in overages and what explanation they could offer to CFPB 's investigators. 

They say they are now escalating the matter and that I will hear something from someone someday soon. Very specific. It's interesting that the representation that they are willing to me when I complain does not favor me the way their 30-45 day hold on money that DOESN'T BELONG TO THEM favors them.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

LVNV LLC appears to have purchased credit card debt that I did not know was in collection or that they had made an attempt to collect the debt. I reported this to XXXX and they removed all LVNV LLC accounts from my credit report. I have since reached out to the other credit reporting bureaus to request the same. 

In good faith, I have reached out to LVNV LLC, but they keep changing their name and now I can not find or figure out where to or how to verify the debt. It is very frustrating. 

This involves two accounts, one ending in XXXX and another ending in XXXX. If the company can not provide proof of the debt that I am requesting and XXXX has already removed them from my report, I feel the other bureaus should take similar action, especially if the company is not responding.
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (FL)

I believe I have been victimized by OneMain Financial 's deceptive sales practices as outlined in the CFPB 's recent order. 

I was led to believe that an add-on package would be necessary for the refinancing of my new OneMain plan Due to excessive add-ons and accumulated interest, I defaulted on my account. 

Despite my efforts to resolve the issue with OneMain, I was unable to reach a satisfactory agreement. 

This led to a lawsuit against me, resulting in additional fees and wage garnishment.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (MO)

I paid a debt collector the balance in full. They updated the account as paid in full and closed. Then sold the account to another creditor for the original amount. When I contacted the current hold of the fraudulent account. They told me to contact an attorney and that if I paid the other company thats my problem. They said they purchased this account in XXXX of this year and yet reported that the account is with them since XXXX.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I have auto account payment setup on my accounts at Bank of America.

I changed my payment sources bank for the auto payment..

Over a YEAR later BOA withdrew a {$2300.00} payment from two different accounts. This action caused one of my accounts to be overdrawn. 
I called BOA and asked for the funds to be returned, on the previously closed account, and to remove all access to that account. Boa returned both payments, put my account in a past due status and started charging me interest I immediately payed the boa bill ( now for the third time ) and then received an interest charge on my next bill, due to there errors!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I was a part of the XXXX Data Breach and I have made a dozen efforts to have the incorrect items removed from my XXXX credit report. The last effort was made in XX/XX/year>, as I sent a letter with legal documents, along with copies of documents to verify my identity. As of today, XX/XX/year>, a XXXX representative informed me that my CFPB report and other legal documents were not sufficient. They are essentially refusing to honor my documents to remove unauthorized documents for a data breach that their reporting agency exposed me to unknowingly. XXXX and XXXX has already removed the unauthorized information ; thus, XXXX must adhere to the law, removing the FCRA Errors, so that my credit reports are parallel. Below are the incorrect inquires that must be deleted immediately : 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 PENNYMAC LOAN SERVICES
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC {$980.00} XX/XX/year> I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
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: CBC Companies, Inc. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (HI)

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. 

Account name : XXXX XXXX XXXX has violated my rights. 

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.