davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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: Bread Financial Holdings, Inc. (RI)

While reviewing my credit report, an account that reports as a charge-off with the name CCB/CHLDPLCE ( XXXX ) has continued to report duplicated in my history under the name COMENITYCB/MYPLACERWDS in the XXXX bureau, maintaining the same account number. This situation constitutes a violation of my consumer rights. At the beginning of XXXX, I sent a letter requesting the removal of the account in question, outlining my reasons and the issues for which I requested its removal from my credit report. However, as of the date of submitting this complaint, I have not received a response from them. Although the report from XXXX has been removed, the account remains non-compliant with the legal requirements established by Title 15 of the USC, failing in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.


15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify are accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Applied for a credit card with XXXX XXXX. Was told I was approved and would be receiving a card in the mail. Card never came in the mail and I received a text alert that someone attempted to make purchases on the credit card. Called the company and explained, they said they would investigate and send a new card. Never received the new card in the mail, when I called to ask about it they said I had a {$300.00} charge that I did not make. Told them this was not me, that I never received a card, asked them to investigate and fully close my account. I am now receiving debt collection notices from Resurgent Capital Services LP that I didnt pay my balance and that my debt was sold.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (CA)

I am submitting a complaint against Chase Auto Finance concerning my lease account number XXXX for unfairly charging me for a XXXX XXXXeplacement that I had already completed as part of my lease return conditions, and for their subsequent threats to negatively impact my XXXX XXXX if I do not pay this erroneous charge. 

On XX/XX/year>, during a pre-return inspection conducted by Chase on my leased vehicle, it was noted that a tire needed to be replaced. Complying with this requirement, I replaced the XXXX  at XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, before officially returning the vehicle. Despite providing Chase with clear documentation from the dealership confirming the XXXX  replacement, issued by XXXX XXXX from the service department, Chase has consistently refused to acknowledge this proof. They have declined to send an inspector to verify the replacement or to contact the dealership directly, even though the vehicle was verifiably still at the dealership and not at auction as they claimed. 

To further substantiate my claim, on XX/XX/year>, I visited the dealership and took video evidence of the new tire installed on the vehicle. However, Chase has outright refused to even accept this video evidence, continuing to ignore all substantiation provided. XXXX XXXX has explicitly stated his willingness to confirm the tire replacement directly with Chase XXXX, providing a direct line of communication to verify the validity of my claim. 

Throughout this process, I have communicated multiple times with Chase XXXX XXXX XXXX XXXX I have spoken with representatives XXXX ( ID XXXX ), XXXX ( ID XXXX ), Memory ( ID XXXX ), XXXX ( ID XXXX ), and XXXX ( ID XXXX ), all to no avail. Despite faxing the required work order on XX/XX/year>, and even sending a written authorization to allow Chase to speak directly with XXXX XXXX at the dealership on XX/XX/year>, Chase continues to deny the validity of my claims. The representatives have stated that they either did not receive the subsequent documentation, or they simply refuse to process it. 

This unresolved charge of {$530.00} for the tire replacement and associated taxes, not including the undisputed {$490.00} disposition fee, not only lacks validity but is also a clear example of unfair billing practices. Chases threats to report this as delinquent to credit agencies if not paid can unjustly damage my credit standing, which I find coercive and unethical. 

I am requesting the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and to assist in rectifying this dispute in a fair manner, ensuring that my credit rating and financial integrity are not unjustly affected.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have attempted to remove this from my credit since college and it has caused my credit score to dive tremendously. This is the only debt I owe in collections and this debt does not belong to me. I do not know how to prove that something that I do not know about belongs to be. This is extremely frustrating because I have paid all of my cards/loans on time and I have no other debt. This is the only negative thing on my credit and I would really appreciate if it was removed. There is no way possible that I will be paying this debt as it does not belong to me at all. The company keeps saying this is accurate but I can assure that it is not and Im even willing to go to court if needed to prove my character and past credit history. Please remove immediately! In accordance with the Fair Credit Reporting act Portfolio Recovery Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. states I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX 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 ay consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-08-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My identity was stolen along with my XXXX benefits card. The individual who gained access to my information not only collected and spent my benefits but also had filed a claim that was approved. Those funds were also spent by the individual who had my information. I have brought it to the attention of Bank of America and have provided what I feel is more than necessary of a consumer to provide. I have submitted proof of not even being in California when these transactions occurred. The proof isn't was a notarized affidavit from my employer stating the location of my work in that time from being out of state, paystub copies show my out of state address. car rental receipt from the location I was in, as well as my temporary housing lease in that state. In addition I have also sent copies of my birth certificate, social security card, State identification card and recent photos of myself depicting that I in fact do not have any tattoos on my body. Furthermore I have submitted the multiple police reports filed with my local police department, my identity theft report I filed, letters stating the issue as well as the remedy I seek, cfpb complaints, and a identity affidavit showing the police department had contacted and had arrested an individual found with letters, debit cards, and other mail from Bank of America in their possession. Lastly I sent them a picture of an id card that had been altered with my information but contained someone else 's picture. I am once again stating that I did not make any of these charges or transfers and I have never given authorization to do so. 
This is for the account ending in XXXX {$12000.00} This is for the account ending in XXXX {$17000.00}
Consumer complaint received 2024-08-06
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: World Omni Financial Corp. (FL)

I traded my previous car ( XXXX XXXX XXXX ) in with XXXX for another car. The dealership told me that they would take over the existing payments on the previous car and I would start a new lease on my current car ( XXXX XXXX XXXX ). It turns out they did not take over the payments/the outstanding amount on my previous car and I was never notified until it hit my credit report. When I called the company to dispute it they were not helpful. I ended up paying the amount off as soon as I realized what had happened and tried to resolve it with XXXX. I was told the salesman and finance XXXX that had helped me with the transaction no longer worked there so there was nothing they could do to help me. When I disputed this previously nothing was resolved. I have never once been late on a payment and was never given a chance to pay prior to hitting my credit report.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (VA)

In XXXX, 2023 my account was closed with no explanation. Ive tried monthly since then to understand why. Each time Ive reached out Ive been told that they didnt have answers and that my complaint was being escalated yet its nearly XXXX XXXX  later and my account still remains closed with no explanation.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (GA)

i rented a storage unit, paid the initial move in fees but moved out within weeks due to change of plans.I returned the key to the front desk and they closed the account as i requested. Two months later i started receiving calls and a letter from ALLIED INTERSTATE LLC collection agency requesting payment for {$97.00}. I contacted XXXX XXXX and they confirmed that it is an error and that i owe nothing but the collection agency is still trying to collect a debt. PLEASE INTERVENE.!!!.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

Amex has a XXXX XXXX XXXX which allows charges to be paid in monthly increments. Every month there is a specific amount in my minimum balance due that is allocated to the plans. There is NO TRANSPARENCY as to how much was applied to each plan Furthermore there are plans I opened XX/XX/XXXX for {$210.00} that STILL have a balance, as well as XXXX others which Amex is NOT applying any money to. Again, they refuse to give me details on HOW and WHERE they are applying the money I believe it is a subsidiary in XXXX and whenever I speak with XXXX department ' they just talk in circles telling me I hav to pay above the minimum. My most recent statement shows a previous balance of {$6300.00} - XXXX absolutely paid at least {$700.00} toward the plan ( according to my statement ) YET no payment is shown as applied from my XXXX payment in addition the balance increased approximately {$120.00} The people in XXXX constantly tell me I have to pay the " adjusted balance ' rather than minimum. The statement closing XX/XX/XXXX reflects payment of {$640.00}. This is shady and inconsistent Why would they collect a partial payment for XXXX it ' and not apply it? Furthermore why do I have plans open for XXXX  years and XXXX  months. I need XXXX XXXX to step in Something is WAY OFF and the application of my payments is XXXX XXXX being withheld from me despite my asking numerous times, the last time being XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This account has been paid. It is still negatively impacting my ability to obtain credit and employment. Please remove immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (TX)

Periodically I would receive past due notices when he missed a payment and I asked him about it sine the notices had his company name. He claimed he had no idea how my name was attached to his loan and promised to correct it. Months later I received a letter again from the loan agency demanding I pay {$53000.00} to pay off the loan, I decided to request what information they had and they sent a document that showed my signature which was copied twice ( exactly the sane way ). The loan agency doesn't have my social security number but the do have my name and address. I contacted them before it went into collections and they tried to get my social security number of which I refused to provide it. Now that it is in collections they provided more information but it is obvious that my signature was copied. I have known XXXX XXXX for over XXXX  years and now I have no idea if he is alive or dead as he will not contact me. His company name was XXXX XXXX XXXX and I did some contract work for him years ago but was never an officer of his company. I am afraid the lender will step up their process to collect from me.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It should be noted that I am XXXX, XXXX, XXXX  citizen. 

On XX/XX/year>, I went to my former Bank of America ( BofA ) branch located at XXXX XXXX XXXX XXXX, in XXXX XXXX. I wished to establish new bank relationship with BofA. I spoke with XXXX XXXX XXXX ( XXXX XXXX ), Senior Banker, who immediately recognized me as a loyal and respected former customer for more than 20 years. In fact, she greeted me and agreed that in her XXXX years of banking at the branch I have never been involved in any hostile acts and was a model customer. In fact, the branch manager XXXX also knew me as a model customer. In fact, all the employees at the XXXX branch knew me as a model customer. In fact, everyone is aware that I am XXXX, XXXX, XXXX  citizen. 

I informed XXXX XXXX that I wished to re-open my accounts. She welcomed me back and agreed to do so, but needed to make a phone call. She spoke with someone and was told that I was denied opening my accounts. XXXX XXXX informed me that the person she spoke with refused to explain the reason. 

I wish to know the full details/facts of the reason for denying opening accounts at BofA. 

For the record, there is no evidence to support any acts of abuse or any hostile acts by me to any BofA employee, nor is there any evidence that supports this and wish to be provide with evidence to support this. If BofA can not provide beyond a reason doubt a strong reason and evidence to support their denial, then this supports denying me opening an account due to race, age and XXXX. 

It should be noted that I have a mortage with BofA and XXXX lines of credit cards. I have never been delinquent in payments and have a strong financial background with no negative credit history with BofA or anyone. 

It should be noted that BofA employees at the XXXX branch supported my request to re-open my accounts. 

BofA motto is " What would you like the power to do? '' The power to allow me the respect and dignity to re-open my accounts and give every human being a second chance.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Credit International Corporation (NY)

As owner of a closed XXXX, debt collection firm has posted debt collection action and assigned it to me personally though I didnt personally guarantee any contracts, agreements, or other financial obligations. I have legal representation and with their consent I state that the debt is not legally mine. My credit score has been damaged and I seek either outright cessation of action or if absolutely necessary a negotiated agreement.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (AZ)

I received this message via voicemail and called the number they requested me to call. The person acted as a lawyer representing Chase bank and that I had outstanding debt from a credit card I did not have. He demanded payment of XXXX and of course I didnt pay but they said a lien would be put on my home. He had my social security number and said various places I lived. 

The voicemail I received is below : The number that called me to leave this voicemail was XXXX. The number they requested to call is XXXX Hi this message is for XXXX my name is XXXX XXXX I'm the process service dispatch division this call is to notify you that there is gon na be an attempt to serve you with a court ordered some at the address that I have on file of signature is gon na be required for proper service and delivery if any more information is needed please get in contact with the legal department that's gon na be dealing with with this lawsuit that phone number is XXXX in reference to case number XXXX  to contact the legal firm may result in further legal proceeding to take place without your knowledge or consent on my end you have been notified have a good Day
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

What happened was last year XX/XX/year> this lady totaled out my car and when she totaled out my car I means I couldnt drive it. It was drivable so. So they totaled out my car the ladies insurance XXXX paid off my car to capital to Chrysler capital Chrysler capital had their nerve and audacity to put my car on my credit report as a repossession. I asked them did you not cash that {$XXXX} check the lady says yes, what we supposed to do with it how dare you put it on my credit report as a repossession yes Im following a complaint and anyone else that I need to follow complaint with Im gon na do it because this is XXXX. These people should not be able to be in business to stay in business to do all this extra nonsense that should not have been done, I may have been in a car wreck, but Im still here totaled out, but Im still here cause XXXX said hes not done with me yet and Chrysler Capital is not gon na get away with this. So if you need me or you got other resources that I need to reach out to please let me know if I need to call the justice department Department of Justice so I need your help because they have no right to put my car as a repossession. Thank you.