davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (GA)

This credit card is used strictly for balance transfers. I have never missed a payment or let a transfer amount lapse, so I never had to pay interest only the transfer fee. On XX/XX/XXXX, I had a promotional balance transfer expiring in the amount of {$2400.00}. On XX/XX/XXXX, I made a payment for {$2500.00} The credit card company applied the funds to another promotional amount due XXXX I requested a reversal of the funds. I was told the funds were mailed on XXXX instead of refunding via the original payment method. I never received the funds. I was told to wait 2 weeks before another check can be issued. I never received the funds, so after several attempts, I filed a fraud claim through my bank to get the money back. I then paid this same amount of {$2500.00} on XX/XX/XXXX to apply to the same expired transfer balance. Of course this was after the XXXX  due date. The credit card charged a late fee and since XXXX an interest charge. They claimed the {$2500.00} was not paid timely, so it's now treated as a revolving charge. I have paid, {$500.00} on XX/XX/XXXX, {$400.00} on XXXX {$400.00} on XX/XX/XXXX and they allocate the payments to a balance transfer due on XXXX This is to constantly charge me interest at 24.24 % on the " revolving credit " which is about XXXX XXXX  monthly. This balance has not decreased since. I have send emails since XXXX and call on numerous occasions. This defeats the purpose of a balance transfer. This is to keep me in debt by charging me unnecessary fees. This was their doing. I request management and was constantly told the system allocate the payments and they can not do anything about it.
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (NV)

I have had XXXX XXXX XXXX XXXX XXXX I was almost 2 months past due. I called and I was told I can get a deferment as long as I made my XXXX payment. I asked my family to help me we gathered XXXX dollars made the payment. I call XX/XX/XXXX to deferred my XXXX payment. I am not being told I cant this doesnt help me now as I Owe my family money. My checks wont start flowing until the end of of then month.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-03
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. (IL)

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 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  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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 2023-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I received paperwork from Bank of America on My Business Account. Someone had gone online and Opened a Business Checking and Savings account using all of my Business information. I went to the local Branch in XXXX CT. I was told that I would receive a Fraud report that I needed to fill out within XXXX business Days. After XXXX business days, I called the Fraud number to AGAIN request the Fraud report. Within that time I received a Debt card and PIN number on this same fraudulent account. I was again told within XXXX days I would receive a fraud report that I needed to take to the branch and I would receive this by email. AGAIN I waited 5 days called back was on hold for XXXX minutes before I was able to talk to someone who again said I would receive the fraud report within 5 days. After Finally receiving the report I went to the branch filed the fraud report and was told to wait 5 days to call to make sure they received my paperwork. Over the weekend I received Bank statements because they still have NOT closed this account. 
Bank of America should NOT allow business accounts to open online, this is a VERY BAD business practice and very much hurts consumers. It has created a HUGE Problem for me that I need now follow up almost daily because of Bank of America Bad business practice
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

This is in regard to Aidvantage failing to appropriately apply my payments to my unsubsidized student loans. This issue has led to unjust interest accruals, costing me financially and causing undue stress. 
On XX/XX/2023, I made a payment of {$6900.00} to Aidvantage, expressly intending for it to cover all my outstanding unsubsidized student loans. While a portion of this payment was applied correctly, a significant fraction was not, even though my records confirm that Aidvantage received the full payment. As a result of this oversight, my unsubsidized loans have unjustly accrued interest, especially detrimental given the timing right before the restart of student loan interest rates. 
Despite multiple attempts to rectify the situation, my efforts to contact Aidvantage have been thwarted. Their phone system lacks options to speak with a representative or leave a message, and my emails have gone unanswered. Such a pattern of behavior, which obstructs consumers from addressing critical concerns, borders on fraudulent and deserves the scrutiny of a consumer protection body. 
I urgently request the following : The immediate removal of any and all interest that has unjustly accrued on my unsubsidized student loans. 
XXXX XXXX  of my {$6900.00} payment to the intended unsubsidized student loans. 
An investigation into Aidvantage 's practices to prevent further harm to other borrowers. 
I sincerely hope the Consumer Financial Protection Bureau will take swift action to rectify this situation and hold Aidvantage accountable. No borrower should face such barriers when attempting to responsibly manage their student loan debt. 
Thank you for your attention to this matter.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-06-03
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. (NC)

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.

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 informationisinaccurate.
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

The date charge off in the letter is wrong. The amount is wrong also. 

The lady in the charge department gave me the wrong fax number to removed off the late payments on the acct. 

No email was received for that account at XXXX cause thee police contacted XXXX  cause my emails was going somewhere else because of XXXX Security breach. 


I would like a chance to settle this account. Also, if you sent something by mail would been forward to me at the new address.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2024, I noticed that Capital One Bank had reported an account on my credit report without my authorization. According to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only with the consumers written consent. I have never provided written consent for Capital One Bank to furnish or obtain my credit information. Despite this, an account appears on my credit report, and I am not legally responsible for it. On [ Date ], I contacted Capital One Bank and the credit reporting agencies ( XXXX, XXXX, and XXXX ) to dispute this unauthorized account. I requested the removal of this account from my credit report, but it remains unresolved. I am seeking the assistance of the CFPB to have this unauthorized account removed from my credit report.
Consumer complaint received 2023-12-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I opened a fraud claim with the Home Depot credit card trough ( Citibank ). On XX/XX/XXXX  my wallet was stolen at a Costco foods store, this wallet included my Home Depot credit card and California License amongst other cards. I called the police department and got a police report where the officer confirmed by watching the store cameras that my wallet was stolen by 1 individual. 
When I found out that the thief used my Home Depot credit card and ID to but {$1300.00} worth of items at a Home Depot store I called and opened the fraud case. I submitted all information they needed including the police report number, my California ID pictures, dates of the incident etc. They still denied my claim, I re opened it to submit more information and I was denied again for reasons unknow. This is very unfair as I have always paid my bills on time and now they are ruining my credit. They didnt put a credit on my account to avoid any late fees or credit reports wile the investigation was opened. Can you please help me resolve this.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I set up a settlement and to a supervisor name XXXX and the settlement amount was {$710.00} set up on XXXX. Payment for {$100.00} was sent by my bank on XX/XX/2022. 

Please removed my card from automatic payments. I can make my own payments. 

I never received a settlement by email as promises. 

Also, I made a bill payment that still haven't reflected on the XXXX XXXX. I have enclosed the proof of payment.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to provide ongoing updates and express my deepening concerns regarding the inaccurate payment history reporting by XXXX XXXX . Despite my continuous efforts and the involvement of Experian, the issues persist, and the impact on my credit report has worsened. 

XXXX is currently in litigation with me, further highlighting their failure to rectify the situation. As previously mentioned, XXXX has not only continued to report inaccuracies in my payment history but has also removed positive payment history entries. Additionally, they have disregarded my legitimate loan deferment requests. These actions have exacerbated the negative effects on my credit score and overall financial situation. 

I have been in communication with XXXX XXXX at the CFPB via email, keeping him informed of the ongoing situation. Despite my disputes with the credit bureaus, the inaccuracies in XXXX 's reporting persist. The removal of positive payment history entries and the reporting of inaccurate information are severely affecting my creditworthiness. 

I kindly urge the Consumer Financial Protection Bureau to escalate its investigation into XXXX XXXX, focusing on the continued violations of the Fair Credit Reporting Act and their refusal to address these issues appropriately. Additionally, I request that you coordinate efforts with XXXX XXXX at the CFPB, who is currently handling the litigation against XXXX, to ensure a comprehensive resolution. 

I have attached updated documentation supporting my claims, including evidence of the removal of positive payment history entries, loan deferment requests, and the ongoing inaccurate reporting to the credit bureaus. 

Your continued assistance in this matter is greatly appreciated, and I look forward to a swift resolution that restores accurate credit reporting and safeguards consumers ' financial well-being.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

About 1 or 2 weeks ago ( XX/XX/2023 ) I wrote to Capital One, XXXX, and XXXX in regards to their being income reported on my consumer report. I am complaining about the inaccurate information on my credit report by Capital One, XXXX, and XXXX. They have reported charge-offs as income, which is wrong and misleading. Charge-offs are canceled debts, not income. The law says that creditors must send me a Form 1099-C to report canceled debts as income, but I have not received any from these companies. I have also not claimed any income from canceled debts on my tax returns. I have sent them dispute letters with my identification and proof of identity theft, but they have not corrected the errors. I want them to stop reporting charge-offs as income and remove them from my credit report. I also want them to send me copies of the Form 1099-C if they have issued any. This is affecting my credit score and my ability to get loans and credit cards. Please help me resolve this issue as soon as possible. Thank you
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo has been mailng mediation request forms for several months, I was given tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation in which case, no payment received from that mediation.. When I called today, I was told all mediation efforts have been exhausted ... The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, XXXX XXXX  XXXX, both accounts fraudulent.
Consumer complaint received 2023-09-19
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: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank XXXX XXXX for his comments and please find our response below. 
NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. 
XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. 
XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. 
The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 

15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS!

Once again! I am informing you to cease all contact with me or anyone else about this claimed debt.

Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that have appeared on my credit report. Despite multiple attempts to address this issue, I have yet to receive a satisfactory response from your agency.