davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from Portfolio Recovery XXXX. By law I am owed proper credit reporting according to the FCRA. 
I am requesting debt validation for the collection because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on this account, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on this account. With out providing proof, this account should be removed from XXXX, XXXX, and XXXX immediately.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TN)

I paid XXXX XXXX {$1700.00} to settle the debt collection of {$2900.00} on the date of XX/XX/2025. National Credit Adjusters is the parterning company listed in my credit reports for this XXXX debt.
Consumer complaint received 2024-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

This is not my debt. I have fraud alerts on my file as I been hacked and information is on the dark web. Someone applied for a payday loan using my information online in 2013. Now a collection agency by the name of XXXX XXXXXXXX XXXX XXXXXXXX are trying to collect a debt I do not owe and they have placed this debt on XXXX credit bureaus, XXXX, XXXX, and XXXX. Whoever opened the online payday loan in my name did it in 2013. I am XXXX XXXX XXXX XXXX XXXXXXXX fixed income and I am a victim of identity theft. The company a third party collection agency threaten me to pay a debt that one doesn't belong to me They have people outside of the US calling me threatening me and threatening to take me to court. 

The company stop contacting me and remove the credit collection activity they just placed on my XXXX credit reports. They are illegally trying to make me pay for a debt that does not belong to me. I have fraud alerts on my report where I been having fraud activity and people trying to obtain my contact and personal information.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

This letter is in response to phone calls I've been receiving from JEFFERSON CAPITAL SYSTEM. As is my right under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that this company immediately cease and desist all communication with me and my friends or members of my family immediately. 
Any further contact by this company other than a letter stating that you received this letter or one stating what specific purchase agreement or contract that Ive signed justifying the alleged debt will be a violation of my rights according to the FDCPA, and I will file a complaint with the Attorney General 's office.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX Equifax and insurance union immediately! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (NJ)

At this time I am receiving inappropriate and not accurate Credit reporting it's violating my 15.USC 1692C . I am requesting to be removed from reporting from agency call XXXX XXXX. It's quoting me at a very high rate. Please remove immediately.
Consumer complaint received 2024-09-26
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. (VA)

Dear CFPB Team, I am writing to inform you that as of XX/XX/XXXX, I received a response from XXXX XXXX regarding my complaint numbered XXXX via their website. In their response, they stated that their representative did not mislead me into allowing my account to go delinquent for the processing of my Loss Mitigation application. They also indicated that they are unable to make changes to the information furnished to the credit reporting agencies. 

In response, I emailed them back via their website, outlining my ordeal and providing supporting documents, including correspondence between myself and a XXXX XXXX representative. 

Please see the attached documents, which comprise XXXX XXXX response, my letter dated XX/XX/XXXX, and the emails from their representative supporting my claim that I was misguided. 

Thank you for your attention to this matter. 

XXXX, XXXX
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

ON XX/XX/24, a payment using XXXX XXXX XXXX  Account XXXX was sent online in the amount of {$1400.00}. XXXX reported posted on XX/XX/24. On XX/XX/24, a letter was sent through mobile application " document center '' ( not email or mail ) stating that the amount was " returned by your bank for Unable to locate external account. '' I called Barclay 's and asked them why this was returned, given this account has been used for other payments and is valid. The operator, with language difficulties, told me to " contact my bank. '' I asked them to verify my bank account matches what was put into their system and used in the past, and they refused. I manually provided the same bank account number back to them, and asked if they can address the $ XXXX {$49.00} unjust penalty that would be assessed from wrong number. They told me " the charge is valid and to contact my bank. '' When I asked to speak to a XXXX involving escalating complaints, I was put on mute and hung up on. 

I then contacted XXXX XXXX who reported on XX/XX/24 an attempted withdrawal was made from my account for {$1400.00} but missing one " zero '' in the bank account number. Barclay 's refuses to take any accountability for this clerical error on their end ; being that the same XXXX account has been used in a number of transactions with three other Barclay credit cards.
Consumer complaint received 2024-08-23
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. (CA)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank issued a lifetime ban on my information due to accounts being opened in my information that were fraudulent. I supplied proof of the accounts being fraudulent and even got third party companies such as XXXX XXXX XXXX to investigate and confirm them as fraudulent and not of my responsibility. 

XXXX still closes any account I attempt to open. Please help.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

The company has informed me that my payments are doubling and will continue to go up if I am unable to make the current payments to catch up with the past due balance. I have asked them how did they come up with this figure and have not been given an answer. They are requiring me to pay $ XXXX or my car will be repossessed. They are refusing to offer me an affordable payment arrangement. They are also reporting the account as charged off to all three credit bureaus and delinquent.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (AR)

Earlier this year, I put my credit card account with Synchrony Bank on a Debt Management Plan with a Credit Counseling agency here in Arkansas. The plan was accepted in XXXX, and that month was the last time I received communication from Synchrony. Fast forward to today in late XXXX, I called them when I realized I had no statements from them since setting up that plan. When I made it through to a customer rep, I was informed the account had been closed in XXXX, and since it was now in their words " charged off '' I will not be able to get any statements of any kind. My credit XXXX advised me to try calling again and advise them of the Truth in Lending Act requiring they provide me these monthly statements, and the moment I did the line went completely silent.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Subject : Potential violations of the Equal Credit Opportunity Act ( REGULATION B ). 

I am writing to report a potential violation of the Equal Credit Opportunity Act ( REGULATION B ) by Capital One XXXX XXXX regarding my application ( Reference # XXXX ). Allow me to briefly explain. 

On XX/XX/XXXX, I applied my credits through Capital One to be able to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for {$48000.00}. Capital One has received my XXXX XXXX  on XX/XX/XXXX and did not issue such credits I applied. Capital One has provided me with false and/or misleading information about the reason for the denial of my application. 

Capital One has verified my Identity through XXXX, and should have ONLY considered my age for the purpose of determining a pertinent element of creditworthiness regarding the approval of my application pursuant to section 1002.2 of Regulation B. I am above 18 and I have the capacity to contract. Capital One has evaluated my personal information ( which is also a violation of my privacy ), then informed me of what was affecting my credit score ( which I also did not request ). Then tried to manipulate me into believing the reason for the denial was because of my credit history according to the adverse notice I received on XX/XX/XXXX from Capital One regarding my application. I believe Capital One has discriminated against me on a prohibited basis ( Age ), Capital One has also obtained my consumer report under false pretense or knowingly without a permissible purpose. I tried to resolve this issue with Capital One through mail on XX/XX/XXXX. I received no response from Capital One regarding this issue, which has led me to file this Complaint. I trust that the CFPB will enforce compliance with Regulation B regarding Capital One. If there was a principal reason for the denial of my request, I should have disclosures required in section 202.9 of Regulation B by XX/XX/XXXX. If there is no lawful reason for not providing credits on my behalf, I demand Capital one to approve my request as soon as possible, before XX/XX/XXXX. 

I hope this issue does not need to escalate any further. I look forward to doing great business with Capital One. Maybe there was an inadvertent error on behalf of Capital One regarding my application. I understand mistakes can happen, and Capital One shall not be punished for inadvertent errors. 

I look forward to a timely corrective action on behalf of the CFPB and for Capital One to implement measures to make sure this issue does not occur and cause consumer harm. Thank you for your attention to this matter to whomever may be in possession of this complaint. I am a natural living man ; I am above XXXXXXXX XXXX XXXX XXXX, and I have the capacity to contract. Done in good faith.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MI)

I have filed multiple identity theft reports and contacted Chase bank multiple times to explain the charged off accounts in my name. They have implemented a XXXX XXXX against me even with the accounts being never opened by me. I would like to be able to open a checking account with Chase bank please.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (AR)

I open my credit karma report and notice that I have a collection that is not mine. From CAC Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX for XXXX dollars. I call them and they said they know nothing about it but wanted my SSN and DL number that I did not provide to them because they have a rating on XXXX star at the BBB and other have has similar problems with them. Apparently this company is making fraudulent collections to many others in the hope people who do not know better pay them. This account according to my credit karma report was opened on XX/XX/year>.
Consumer complaint received 2024-08-23
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: SANTANDER HOLDINGS USA, INC. (FL)

I'm writing to report a serious case of identity theft that has recently come to my attention. An unknown individual has fraudulently used my personal information to finance a vehicle without my knowledge or consent. I was shocked to discover this unauthorized use of my identity. The realization that someone had access to my private information and used it for illegal purposes has left me feeling violated and vulnerable. 
I want to emphasize that I did not authorize this purchase through Santander Consumer Bank, nor do I have any knowledge of or connection to the vehicle in question. This fraudulent activity has placed a significant burden on me, both emotionally and financially. I'm deeply concerned about the impact this may have on my credit score and financial standing. I'm reaching out to you now to dispute this fraudulent lease and to seek your assistance in rectifying this situation.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year>, I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX, I received an email that my check for {$1000.00} was accepted and that it was on hold until XX/XX/XXXX. 
I called to ask why and they said they can hold it for 7 days. 
On XX/XX/XXXX, I received an email that they accepted my check for {$2900.00}. I asked the paying bank if it went through and it had by the XXXX. 
This one is very frustrating because I have no money to buy groceries in the meantime, as well as no money for gas and I need to make a trip. This time, they are saying they will get it to me on XX/XX/XXXX. 
I dont understand why they are holding it. Did Chase bank run out of money in the bank? 
I called corporate to ask why, as the company themselves put it on their website that according to federal law, it must be available within 2 to 5 business days.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA XXXX reported false information and fake claims that were not made which were then reported to XXXX  and XXXX XXXX and resulted in increased insurance costs and premiums dating back to 2021 after I cancelled their services. USAA said I made insurance claims that never occurred, and reported such to XXXX  and XXXX XXXX that to this day can not correct. I never paid for, subscribed, or made any claims for road side assistance, glass coverages or any such insurance claims and have suffered damages and loses as a result of their false and inaccurate reporting. 
USAA claims they can not help me even though they initiated the false and fake claims resulting in my loses and refuse to correct their errors. I only found out recently that other insurance companies were using this false information to determine my insurance premiums and costs when they disclosed that this information was found on XXXX and XXXX XXXX.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OR)

Account was originally a Union Bank account that was bought by US Bank. US Bank attached interest rate onto reserve line without permission, and also started automatically debiting money from my regular checking account into the reserve line, without permission. Customer service tries to explain their way out of the situation and hangs up instead of acknowledging it's illegal and stopping.
Consumer complaint received 2024-08-27
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: Credit Corp Solutions Inc. (NY)

I have no knowledge of this transaction or authorized the usage of my social opening this account. I see that the original creditor is XXXXXXXX XXXX. Do to financial situations, I did fall behind on my loan payments with them. I believe that the information being reported is inaccurate. For that reason, I'm requesting any account-level documentation in your possession in addition to the following information to validate this debt : itemization Date Required disclosures that were sent. All account notation and call logs, Copies of documentation that you provide to the consumer me that CREDIT CORP SOL INC has the right to collect this debt such as the PURCHASE AGREEMENT not the bill of sale or assignment but the actual PURSCHASE AGREEMENT. Also information as required by REG F- 1006.34, 1006.38 and 1006.42. SSA89 authorization to use my social security number to open an account. This is black mail extortion and unauthorized usage of credit. Take note i refuse to pay due to hard times like I said in the beginning I lost my job, I got evicted and had to move in with a friend, I can barely keep up with my car note and insurance at this moment. Plus with all the chaos in the world I'm debating i even want to go outside, Gas price are high food has inflated.