davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding my recent billing statement with Capital One. Upon reviewing my account, I have identified charges that I believe to be a result of security fraud. 

Title 15 USC 1666 ( Billing error ), section D ( Treatment of a Credit balance ) states : 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. 

My account has not been, nor has ever been, credited for the certificate of indebtedness. Capital One has also never credit my account for the dividend payment that was made off of my treasury coupon, via the Electronic Funds Transfers Act of the interest from my treasury coupon.

l issued a tender of payment, via the certificate of indebtedness, via the dividend coupon that was attached to it. Per UCC 3-603 ( Tender of Payment ) my payment was refused, and UCC 3-604 ( Discharge by Cancellation or Renunciation ) I was informed by a Capital One agent that my payment was de
stroyed, the debt is discharged. 

My account has not been, nor has ever been, credited for the certificate of indebtedness. Capital One has also never credit my account for the dividend payment that was made off of my treasury coupon, via the Electronic Funds Transfers Act of the interest from my treasury coupon.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TN)

I am writing this complaint to bring to your attention a serious issue I am facing with Barclays Bank. My complaint is in regards to a reduction in my credit limit that occurred as a result of the company checking my credit report without my authorization. This reduction in credit limit constitutes an adverse action and should require a new application. 

On XX/XX/2023, I received a letter from Barclays informing me that they checked my credit report and decided to reduce my credit limit. I contacted the company on XX/XX/2023 informing them that they had no right to check my credit report anytime they choose. I also inform them that it was against the law for them to decrease my credit limit without making a counteroffer pursuit to 12 CFR 1002.2. 

Barclays Bank replied on XX/XX/2023 that they were unable to complete my request. 
Federal law regulates how consumer credit information can be collected, used, and disseminated. Under this law, a company must obtain written consent from the consumer before accessing their credit report. In my case, Barclays did not obtain my consent, which means that they have violated the FCRA.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OK)

We have come to an agreement that if I pay 20 percent of the total amount owed that this will be removed from my credit report on all three credit bureaus. On XX/XX/year>2024, I XXXX XXXX, paid XXXX XXXX which is the paid collection agency representing Credit Acceptance in the amount of {$2600.00} I am currently waiting on a letter from them stating that I paid them off. But I do have proof paying them from my bank account, showing XXXX transactions to credit acceptance. XXXX in the amount of {$2500.00} and the other one as {$180.00} I need these XXXX negative reports removed from my credit report, showing as a repossession, from Credit Acceptance as the one I owed, then it was sent to XXXX recovery.
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (PA)

A man was XXXX XXXX XXXX two feet from my apartment door at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, LA. XXXX XXXX XXXX. After the XXXX, and continued criminal activity following the XXXX, disrupted my daily life and XXXX XXXX XXXX, I reached out to XXXX XXXX XXXX, which kindly arranged free temporary housing for me. I had been living in the apartment next to the XXXX XXXX maintenance man, XXXX, and we spoke frequently. XXXX was also in his apartment during the XXXX, which happened feet from both of our front doors. I asked XXXX what I needed to do to get out of there. XXXX told me to have my apartment cleaned out and I would be good to go at the end of XXXX when my lease was up. My lease required thirty days written notice prior to termination, but XXXX and the woman in the XXXX XXXX office at the building on XXXX XXXX XXXX XXXX assured me that -- because of the XXXX  and other criminal activity -- I could complete the move-out process at the end of XXXX ( when my existing lease was scheduled to end ). I cleaned out my apartment and received text message confirmation from XXXX that I was good to go. If I recall correctly, XXXX XXXX kept my security deposit. 

A year and a half later, I got a letter from ProCollect claiming that I owed {$470.00}. I heard nothing from XXXX XXXX in the interim period regarding the fact that I owed a purported " debt ''. I timely disputed with ProCollect. I documented my dispute. ProCollect did not pursue the dispute process, nor did it send me the information required by the Fair Debt Collection Practices Act ( FDCPA ). I notified ProCollect that I disputed their claim, that they had failed to send information required by the FDCPA, and that I wanted to receive that documentation. Instead, ProCollect reported to the consumer credit agencies that I had a " derogatory account. '' I asked them via email and certified mail to remove that report pursuant to the FDCPA. They did not. 

ProCollect still has not sent documentation showing that I owe anything to XXXX XXXX. I emailed ProCollect on XX/XX/year> to make the same request. I have since then disputed the debt via the consumer credit agencies.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (AL)

I was looking over my credit report and I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

On XX/XX/year> I received a response to my initial complaint through the CFP, regarding my private loans through Navient. Navient sent a me a Private Loan School Misconduct Application. On XX/XX/year> I I submitted and received confirmation that they had received it on their end. On XX/XX/year> I received an email notification saying my application was denied, but no specific reason as to why it was denied. I would like to know why my Private Loan School Misconduct Application was denied.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (CT)

I placed an order for 2 watches on XX/XX/XXXX. The company ( XXXX XXXX ) was unable to fulfill the order. I requested cancellation in writing. They acknowledged the cancelled order. They also agreed to the credit. The charged amount was {$32000.00}. I never received the credit so i issued a dispute with Goldman Sachs Mastercard. The charge still remains after 4 attempts to dispute and no one from Goldman Sachs ever reaches out or resolves the issue. The company has never sent over any proof that i received the watches ( which I did not ). I have submitted proof to Goldman Sachs in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX that this order was cancelled but the still ignore the dispute and keep charging me.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TN)

So I have a PayPal CC which is done through Syncrony. They have been telling me they CAN NOT access my account without verification so I told them to send me a code through the mail. I got code and lost my DAD during that time so Im just able to get with them today and now they are saying code is good but they still cant verify my account without my DL. This is absolutely ridiculous. I wanted them to apply my XXXX dollars to my bill and send me bill for the rest but they say they cant without my DL. I SHOULD NOT HAVE TO SEND THIS INFO. I tried to redeem money through the app but apparently my acct is locked down and they wont do it so if I close my acct they are telling me I forfeit my rewards which is unfair since I paid for items bought and earned that money. Please help me get this resolved. Also I shredded original card and only have new one they sent me a while back but because they locked my account down I cant do anything so the new number is XXXX and is the only one I have.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (PA)

Subject : Dispute of Fraudulent Account Request for Investigation Dear CFPB, I am writing to formally dispute a fraudulent account that has been opened in my name without my authorization. I request your assistance in investigating and resolving this issue. Below are the details of the fraudulent account and the unauthorized activity : 1. Account Details : Account Holder Name : [ XXXX XXXX ] Account Number : [ XXXX ] Financial Institution : [ XXXX XXXX ] 2. Description of the Issue : On [ XX/XX/XXXX ], I discovered that an account had been opened in my name without my consent. I did not authorize this account and have not engaged in any transactions related to it. This fraudulent activity has adversely affected my credit score and caused significant XXXX 
3. Actions Taken : Reported the fraud to the financial institution on [ XX/XX/XXXX ]. 
Filed a police report on [ XX/XX/XXXX ] ( Report Number : [ XXXX ] ). 
Contacted the credit bureaus and placed a fraud alert on my credit report. 

I kindly request that the CFPB investigate this matter promptly and take the necessary steps to resolve this issue. Please remove the fraudulent account from my credit report and ensure that no further unauthorized activity occurs. 

I appreciate your attention to this urgent matter. Please confirm receipt of this letter and keep me informed about the progress of the investigation. Should you require any additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I used an attorney to pay off credit card debt after divorce. I paid off XXXX XXXX bill of XXXX dollars in XX/XX/2016 to close account. My ex wife is trying to sell the home she was given in the divorce. Unfortunately XXXX XXXX has placed a lien on the mortgage, despite the account being completely paid off.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

ACCOUNT HAS SHOWN THAT IS CLOSED. HOWEVER IT IS INCORRECT NOT REFLECTING A XXXX BALANCE. THIS IS INTENT TO DEFRAUD. TRUIST IS NOT FOLLOWING CONSUMER LAW. INTENTIONALLY CAUSING DUE HARM.
Consumer complaint received 2024-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (AL)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unrecognized Debt and Request for Verification To Whom It May Concern, I am writig to formally dispute a debt that I recently discvered. I have not been previously notified of this debt and have not had the opportunity to dispute it. I request a thorough investigation as it appears my consumer rights have been violated.

I am invoking the following regulations and laws relevant to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the necessary information about this debt, including my right to dispute it within 30 days. Please provide evidence that this information was supplied to me as required by this regulation. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification about this debt or my rights to dispute it. The absence of proper notification violates this provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency appears to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, indicating a violation of my consumer rights.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Reporting this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a violation of this statute. This law requires creditors to provide accurate and fair information to consumer reporting agencies, which has not been followed in this case.

I requet that you provide me with the certified mail receipt, including my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified. 
I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this mater is fully resolved. Please respond to this dispute within the legally mandated time frame and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
SincerelyXXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$810.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have a Capital one credit card and Capital one 360 account. I use the 360 account to pay my balance down by {$200.00}. They show payment accepted. Then 2 week later I get email sorry your bank declined payment and sending money back. So I paid again another 2 weeks went by they did it again. I called bank they said no problem their end. Call credit card it bank fault. They both capital one best part they trying flag my account for late payments.
Consumer complaint received 2024-06-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

XXXX separate representatives from IQData tried to pressure me into paying my debt after I told them I was unable to pay today, but could pay the next month. I tried to end the phone call, but they stated if I did not pay today that it would be marked as a refusal of pay and that it would be reflected negatively on my credit and in other ways. I asked for details on how it would impact me and I was told they were not obligated to give me that information and they instead attempted a hardship form. The rep submitted the form, but I was denied because due to their calculations I should be able to pay even though I repeatedly said I could not today nor could I postdate it a week out ( XX/XX/XXXX ) because of XXXX very expensive bills that I had to cover. They then tried to suggest a payday loan as if they were offering it but when I asked for further explanation they said to get an external pay day loan and still postdate till the XXXX. It was not expressed clearly the first time and I had to get clarification that he was in fact still going to postdate it like originally suggested. He also said that payday loans have to be paid back in 30 days, which is not true and in the state of California I can't get a payday loan for the amount I owe as the maximum amount is {$250.00}. I then said that is not possible as I've recently been denied and in response the representative stated that I " do not care enough about my credit '' said have a good day and promptly hung up on me without resolution. After the phone call I looked up the company and I was able to check my account online and this collection 's company has only had my account for 4 days upon calling. I am not happy with the way this was handled as there was poor attempts to work with me and I felt like the language was vague and threatening which made me stay on a phone call for XXXX mins just to get the same answer I was given at the beginning of the call. You can also postdate a payment on their website out to the end of the month which does not align with the initial date of the XXXX.
Consumer complaint received 2024-07-08
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. (NJ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

After reading about the many violations that USAA has been accused of, as well as their lackluster fraud investigation practices, I decided to close out my membership with them. I do not have any open products or insurance services with them and do not want to use their services. When I called in to ask about what I needed to do to remove my data from their core system, I was informed that it was not possible. They told me that they keep the profiles on the system regardless, in case I want to return later on. I expressed my concerns and stated I was not interested in retaining the relationship and did not want my profile to be kept on their system. I asked about how long it would need to sit before it was purged, and again they stated that it was not possible to remove my information and that it would never be removed. I asked to have a copy of the privacy policy sent to me for review, and asked for help finding where this was communicated. The representative was unable to tell me where to find this information and said he would email me a copy of the policy but did not. I then asked to be transferred to a supervisor, the representative stated he was who deals with escalations. Instead I was transferred to the web services department, where they did assist me in restricting my membership. Regardless, it causes me XXXX to know that my private information remains on USAAs systems and that they continue to hold a membership for me that I do not want. I have no interest in their services and want to end my relationship with this company, and I dont understand why that is not possible. The representative was not able to give me a good explanation for that, was not able to escalate my complaint, and did not send me a copy of the privacy policy.