davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
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: Experian Information Solutions Inc. (TX)

XXXX XXXX Experians XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom it may concern, I just recently looked at my credit report. I wanted to make that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 
Under Section 15USC 16812 ( F ), The account is not complete and accurate. Re-investigate and update. I talked to these creditors, and I should not have any late payments. Payments were made within reporting cycles. 
Once you have reinvestigated and deleted this account, please send me a copy of my updated report. 

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
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of 5 MB of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion to ensure that they provide a fair and efficient dispute resolution process for all consumers. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc. (MI)

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. -According to the Fair Credit Reporting Act ( FCRA ) section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

The first account, account number XXXX, reference number XXXX The second account, account number XXXX, reference number XXXX I do not owe this debt, I did not or do not give this company any permission to access or report anything on my credit report. PLEASE SHOW ME A LEGAL SIGNED CONTRACT BETWEEN XXXX XXXX XXXX and LVNV FUNDING LLC. You can not because I do not have a signed contractual agreement with your company. Stop sending me a bill and send me the original signed contract with my signature. 

I am responding to a debt you are trying to collect. I also have the right to request validation of the debt that you claim I owe this company. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also because you are a third party collector, you have no permission to furnish any information on my credit report initially. The law clearly states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didn't do that, there is no way I would ever give a slimy collection company permission to slander me on my credit report. 

Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from your company. I'll break it down very easy and simple for you, but if you fail to provide every single thing I request from your company, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which you have submitted this unverified and un-validated information. This is requesting PROOF OF CONTRACT to substantiate your claim. Where is the legal binding contract that I have signed showing where we have a contract? Where is the original signed contract from the original creditor? Do not show me a bill from the original creditor, show me a legal binding contract that I have signed with your company stating this debt is indeed mine. 

I request your company to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming LVNV FUNDING LLC as an entity entitled to enforce a commercial claim, you do not conduct commerce against me.
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Between XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) ( I had previously sent this claim before but my advisor has informed me I send some incorrect information )
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am formally complaining against PORTFOLIO RECOVERY I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with PORTFOLIO RECOVERY nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted PORTFOLIO RECOVERY who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that PORTFOLIO RECOVERY stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2019-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NJ)

I received an automobile loan through Santander Bank on of about XX/XX/17. They are charging me 19 % interest. I advised them that my hours had been greatly reduced and would like to refinance the loan. They refused. I further researched the maximum interest rate for New Jersey and it is 16 %. I would like my automobile loan refinanced to 16 % and the difference applied to my principal. My payments are becoming further and further behind due to my reduced income. I can not afford to purchase another vehicle at this juncture and need my vehicle to get back and forth to work.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

I am writing to file a formal complaint against LVNV Funding, regarding an account on my credit report. I have made multiple attempts to resolve this matter directly with LVNV Funding, but they have not responded to my requests for debt validation.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NE)

Account XXXX On XX/XX/XXXX I refinanced my Nissan XXXX XXXX  and was approved by XXXX XXXX XXXX XXXX. On XX/XX/XXXX I emailed contract and proof of payment to NMAC-Nissan Financial Services . Per CSR ( XXXX ) at Nissan pay off payment was received on XX/XX/XXXX and applied to my loan account. On XX/XX/XXXX XXXX XXXX  XXXX XXXX called to say they have not received title to the XXXX Nissan XXXX  and release of lien letter. I spent 2 hours with CSR ( XXXX, XXXX, and supervisor XXXX ) at Nissan gave me the following excuses : XXXX. I ( XXXX ) did not personally call to request the title be sent. 
XXXX. My account is in Bankruptcy department ( please note I did not include this vehicle in bankruptcy I made payments for 1yr and then refinanced the vehicle ). 
I advised NMAC I want to be compensated {$50.00}, for the 2 hours I spent calling them and listening to the XXXX/Mularkey/Lame excusing for handling business poorly. I had to advised them that Lien holders have 15 days to release titles and lien after receipt of payment. 
Please also note in XX/XX/XXXX XXXX XXXX XXXX made payoff payment requested the title after payment cleared via letter.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2021 Balance : {$10000.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/2021 Balance : {$0.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX / XXXX XXXX Revolving Account # XXXX Opened : XX/XX/2021 Balance : {$780.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from unfair or deceptive practices by debt collectors. I am entitled to an investigation of my dispute and a response within 30 days. Please provide the results of your investigation, along with updated copies of my credit report, to verify that the disputed information has been corrected.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I have a checking and saving account with citibank several month, XXXX ago I travel on XXXX and XXXX XXXX when I travel outside of U.S. before everytime I did every transition I called citibank and let them know what going on, and after when I stay my hometown XXXX XXXX XX/XX/XXXX I found my all of citibank account has been closed, I feel so confused and so sad, this is like the discrimination against intermational students, which makes me feel very uneasy and anxious, right now I couldn't go back to U.S and get my founds withdraw, I don't know when because I am waiting my new student visa. this is unfair for me.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

To Whom It May Concern, I am writing to file a formal complaint against Citibank regarding a promotional bonus that I am entitled to but have not received. Below are the details of my issue : Account Information : Branch : Citibank XXXX XXXX XXXX, XXXX, CA Account Types : Checking and Savings Account Opening Date : XX/XX/year> Promotion Details : Promotion : {$300.00} bonus for completing an Enhanced Direct Deposit of a total of {$1500.00} Requirement Completion Date : XX/XX/year> Issue Description : On XX/XX/year>, I received a call from the branch manager confirming that I had met all the requirements for the {$300.00} promotional bonus and that I could expect to receive it soon. However, as of today, XX/XX/year>, I have not received the bonus. 

Despite numerous attempts to resolve this issue by contacting both the branch and Citibanks call center, I have not received any satisfactory resolution. I have been repeatedly assured that the issue would be addressed, but no action has been taken.
Consumer complaint received 2024-07-12
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: JPMORGAN CHASE & CO. (OK)

XXXX XXXX XXXX ( Senior Fraud Investigator ) looked me up in Chase Bank system along with others for personal reasons in or around XXXX 2024. I do not have an account with Chase in no capacity. This resulted in her getting my residence address and posting on social media asking for the privacy gate code to my apartment complex. Which is a SERIOUS ISSUE!!! There is now a police report that has been filed against her for vandalism to my property. I would like to speak with a Chase Bank Representative IMMEDIATELY regarding this issue as it puts this bank in several serious compliance federal regulations.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo bank card is reporting inaccurate information on my credit report. The account that you are reporting do not belong to me, This account is past the statue of limitations of 7 years and Wells Fargo is reporting different addresses to each credit bureau for their contact address. I send a letter disputing/ asking for verification and received returned letter stating unable to forward/unclaimed. 


All of Wells Fargo information is inaccurate address, Reporting this item belong to me and statue of limitations.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a car reposssesed back in 2020 during covid in which the eviction was a Breach the Peace violation making it an illegal repossession. The lock to my house gate in which the car was parked was cut open causing damage to my fence and items in the car being lost. I explained this to capital one and was told that the repossession would be removed from my credit report. 5 years later the report hasn't been removed and I've paid off the balance. I am asking that the illegal repossession is removed from all 3 credit bureaus
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

My lease with Hyundai Motor Finance ends XX/XX/XXXX. In mid-XXXX  I requested the payoff amount ( {$17000.00} ), received that on XX/XX/XXXX, good through XX/XX/XXXX. I submitted the requested odometer statement on XX/XX/XXXX, and then again on XX/XX/XXXX at Hyundai 's request. I used the online tool to pay my personal property tax ( {$630.00} ) on XX/XX/XXXX. The agent said to use the same online tool to send the payoff amount, which I did on XX/XX/XXXX. The payment history shows that Hyundai processed this payment ( {$17000.00} ) on XX/XX/XXXX, and the funds were taken from my checking account on XX/XX/XXXX. I cancelled my automatic monthly payment ( {$81.00} ) on XX/XX/XXXX since the payoff amount was good through XX/XX/XXXX. They still have not sent me the title. 

I've made NUMEROUS calls and have various complaint and case numbers. One supervisor early on told me that they deducted the XXXX payment from my personal property tax payment ( even though the XXXX payment wasn't due because I paid off the lease on XX/XX/XXXX ), and this screwed up everything. Many, many phone calls later, and after so-called escalation to " corporate, '' they claim that they can't get their system to apply my payments correctly. The last I heard ( yesterday I got a text ), they're still working on it, but nobody seems to know how to get the system to apply my payoff amount correctly. They actually said this.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I have recently become the victim of identity theft. I have checked my CRAs and found these accounts and disputed them as fraud. I was told by the CRAs that these companies verified these accounts as accurate. I submitted all the appropriate documentation that was requested by the CRAs. These accounts are the result of identity theft and do not belong to me.
Consumer complaint received 2023-09-21
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-28
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. (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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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 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.