davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (LA)

I owed XXXXXXXX XXXX for an utility bill. The bill was sent to XXXX collections in XX/XX/year>. I paid XXXX for the debt in XX/XX/year>. I was contacted by way of a collections on my credit report by online services in an attempt to collect again for XXXX XXXX I contacted XXXX in regard to the debt being paid to XXXX they insisted that I still owe them despite paying XXXX. I also spoke with Online services and they said the debt was verified with XXXX to be owed and despite I have a paid receipt from XXXX, Online collections can not remove this account from collections. I have a resolved receipt from XXXX that is attached. This is illegal to collect on an account that has been paid.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom it May Concern : On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX capital one location to get XXXX XXXX  for an upcoming trip. I was charged XXXX at an exchange rate of XXXX. Yesterday XX/XX/XXXX I went and was told they do not have my currency and that I would be charged for them to get the money and send it back. They claim to have called me but left no message. On the XXXX of XXXX I was called and they did leave a message to which I immediately returned so I do not believe they ever contacted me. Now I do not have my yen and have been told they will return less that XXXX dollars to my account. I tried calling customer service and after being on the phone for almost a hour and being put on hold 7 times I was told there was nothing they could do. Today I tried to find an email I could file a complaint to but there isn't one. Tomorrow I will go back and inform them I have filed this complaint and I plan to remove my accounts with them if they do not resolve this to my satisfaction. 

Best Regards XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Good evening my name is XXXX XXXX XXXX I had finance a car threw Credit Acceptance LLC and I purchase the car from XXXX XXXX XXXX XXXX I put down a {$1500.00} down payment on XX/XX/year> and the remainder of {$800.00} on XX/XX/year> with a total of {$2300.00} PER USC 15 1662 ( b ) Truth And Lending act down payments are Illegal and I did not know that at the time I would like for this to be handle please and I would love my down payment back I have reach out to both agencies and they are having me run in circles. Thank you so much God Bless Consumer : XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX - If a user logs into the Bank of America website a 'splash ' page will pop up asking if the user wants to switch to paperless billing. If the user closes this 'splash ' page without choosing yes or no the system automatically switches the user to paperless billing. 

I have been a credit card customer of Bank of America for 21 years and have never had a late payment. I was informed that I had a late payment in the fall of XXXX. It turns out that I was unknowingly switched to paperless statements/billing and the statements were going to my email spam folder. 

I contacted Bank of America with a goodwill letter asking for a one time forgiveness because of this situation. I received a phone call and was told that because of the CFPB they could not give one time forgiveness of late payments. I asked about when I was switched to paperless and they said I would be contacted. 

I was contacted by XXXX XXXX - Executive Offices Client Care Team - to be informed of when I switched to paperless. He stated that there is a 'splash ' window when you login to the online site asking if you want to switch to paperless statements. If you 'X ' out of the XXXX ' window without choosing yes or no- the system automatically switches you to paperless. This is direct evidence that I was probably switched to paperless without actively choosing to. I would not have actively chose paperless because again, in 21 years of banking with BoA - I have never wanted paperless billing.
Consumer complaint received 2023-11-28
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)

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 : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number XXXX Account Name : DEPT OF EDUCATIONXXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX  : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : US DEPT OF EDXXXX : Account Number XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello Ive been contacting Bank of America number XXXX since XX/XX/XXXX about my case I have never had any card I have my police report I faxed it 8 times this company keep misleading me with false information to where they never receive my police but yet I keep sending it to where these people telling me each time its a different name or no name on the fax at all. I reached out to the attorney general for help and light on this situation. Today I spoke with XXXXXXXX XXXX XXXX and now XXXX speaking with XXXX XXXX XXXX she telling me I need to step in the branch to verify my identity after ive been speaking with them since XX/XX/XXXX they ask you some questions and send you to what area via phone you need to reach like claims department. So now why are they giving me an issue just to see if they received the police report yet! On XX/XX/XXXX I was on the phone for XXXX hours that call was recorded and monitored since I call off my work phone. Now they transferred me to XXXX from XXXX  telling me I need to go into the branch for what I dont know I feel like these people are targeting me.
Consumer complaint received 2023-11-28
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. (TN)

I have submitted a dispute of hard inquires that are appearing on my personal Transunion credit report. 
1. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX 2. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX 3. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I have contacted the companies as instructed by Transunion as well as Transunion. I have provided Transunion with all requested information and the issue has not been resolved, This is a direct violation of the FCRA because formal investigation results have not been furnished and the above mentioned inquires still appear on my personal credit report. 
Please remove the inquires from my credit report immediately.
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (AZ)

I called to request an extension on my payment, and I was approved to make a payment of {$140.00} on XX/XX/XXXX ( about half of my payment ). The remaining {$140.00} would be added to my XX/XX/XXXX payment, bringing it to {$420.00}. I received a payment receipt and a confirmation email on XX/XX/XXXX, but the funds were not withdrawn from my account. 

A few days later, Bridgecrest withdrew an unexpected {$130.00} from my account, which was not part of the payment arrangement. As of today, XX/XX/XXXX, XXXX actually current on my payments, despite having set up a payment arrangement. I then received a text stating that I owe {$420.00} on XX/XX/XXXX, which includes my regular biweekly payment of {$280.00}, plus the remaining {$140.00} from the earlier arrangement. At this point, I am no longer late and do not need an extension, as Im current on my payments.

When I spoke with Bridgecrest, they were unaware of the arrangement and provided no solution. This has led to overdraft fees from my bank because they withdrew an extra payment that I did not authorize and that wasnt part of the agreement. I feel these practices are fraudulent, as the extension agreements seem to result in overdraft fees and extra payments that put borrowers at a disadvantage.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. 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 reinvestigated.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent requests to XXXX, XXXX and TransUnion in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am writing to formally lodge a complaint regarding the wrongful foreclosure of my home. My account has been marred by multiple violations and irregularities, which I believe warrant your urgent attention. Below, I outline the key issues that have contributed to this unjust situation : 1. Application Completeness Notification : We were never informed whether our application for loan modification was complete or incomplete, leaving us in the dark about our eligibility for assistance.

2. Net Present Value Calculation : There was no calculation of Net Present Value ( NPV ) conducted to determine our qualification for a loan modification. This is a crucial step in evaluating our case, and its absence indicates a lack of due diligence on the lenders part.

3. Bankruptcy Motion Notification : Prior to the auction sale, the trustee was notified of our motion to reopen Bankruptcy case # XXXX with the Central District Court XXXX This should have halted any foreclosure proceedings.

4. CARES Act Violations : We have been charged fees that are in direct violation of the CARES Act, which was enacted to protect homeowners during the pandemic.

5. Overcharging for Services : Our account has been overcharged for services and fees that fall outside the terms of our loan agreement, exacerbating our financial distress.

6. Dual Tracking Practices : Despite submitting a Request for Mortgage Assistance, foreclosure activities were not halted. This dual tracking practice is not only unethical but also illegal.

7. Unreasonable Fees : We have incurred unreasonable fees charged to our mortgage account, which we believe are unjustifiable.

8. 2009 Payment Application Issues : In 2009, our payments were not properly applied, and despite our requests for a review, no action was taken to rectify the situation.

9. Foreclosure Rights : The current foreclosing party has no legitimate right to foreclose on our property, as the notice of sale was filed prior to the transfer or assignment of mortgage. 

Given these serious concerns, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly. We are seeking restitution for the damages incurred due to these violations and hope to resolve this issue promptly. 
Thank you for your attention to this urgent matter. I look forward to your response.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX 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 an 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida [ XXXX XXXX XXXX XXXX ( Finance ) is listed XXXX times XXXX XXXX  is mentioned please have these companies present current contract and have them remove this please. ] Fraud Department [ XXXX XXXX XXXX, XXXX, TX XXXX ] XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute of Fraudulent Inquiries Dear Ftc Identity theft message will be forwarded to the cfpb. 



I am writing to dispute fraudulent inquiries on my account, which I discovered were made by your company. I am a victim of identity theft, and I did not authorize these inquiries or any other transactions related to them. I request that you immediately remove the fraudulent inquiries and any related charges from my account and cease reporting the inaccurate information to all nationwide credit reporting agencies ( CRAs ). 



Enclosed is a copy of my Identity Theft Report supporting my claim, along with a copy of my credit report highlighting the fraudulent items associated with your company that are the result of identity theft. Additionally, I have included a Notice to Furnishers issued by the Federal Trade Commission, which outlines your responsibilities under the Fair Credit Reporting Act ( FCRA ). These responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that fraudulent debts are not sold or transferred to another party for collection. 

XXXX XXXX XXXX XXXX ( Finance ) is listed XXXX times XXXX XXXX  is mentioned please have these companies present current contract and have them remove this please. 

Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : - Identity Theft Report - Proof of identity : Copy of my drivers license - Credit report with disputed information indicated
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

All of the inquiries are in violation of 15usc 1681C-2 which mandates the removal immediately. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the consumer, in accordance with the provisions of subsection ( a ), identifies,...
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Told the bank this was fraud and submitted all my police reports and even filled out their documents and they cleared me of the checking and savings account fraud but wont clear me for the credit card one for {$1800.00} bad enuff they took way pass the 30 days timeframes to get this resolved! I have been disputing this for years and also they never sent me any type of notice I had to call and go into the bank to find out what my outcome was!
Consumer complaint received 2023-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (IL)

I recently received a solicitation from U.S. Bank for the U.S. Bank XXXX XXXX XXXX, highlighting an enticing offer of a " low intro APR until 2026, '' specifically a 0 % intro APR on purchases for XXXX billing cycles. Encouraged by this offer, I applied and was approved. However, upon receiving the card, I noticed that there was no mention of the promised low intro APR of 0 %. 

I contacted U.S. Bank for clarification, but they were unable to provide any answers. This situation raises concerns that it may be a bait-and-switch tactic to attract individuals and businesses.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following accounts are reporting incorrect late payments. 

XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acc # XXXX XXXX Acc # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act these creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

It also states a consumer report can not furnish as an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as a late for any purposes.
Consumer complaint received 2023-11-28
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. (GA)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.