davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (LA)

I only had a lease with this company thru XX/XX/XXXX and my rent was paid in full thru XX/XX/XXXX. I then moved and signed a lease with a different apartment complex from XX/XX/XXXX - XX/XX/XXXX. I have not lived in any properties owned by this creditor nor do I have contract with creditor past XX/XX/XXXX. And I have the proof of rent payments paid in full thru XX/XX/XXXX, a copy of that lease, and a copy of the new lease with current apartment. So how is it that this creditor is trying to charge me for rent for XXXX, including late fees when I was not even a resident, nor was I supposed to be a resident of any of this creditors properties??
Consumer complaint received 2024-04-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (CA)

I filed XXXX complaints with CFPB ( XXXX / XXXX XXXX ) because XXXX / Bridgecrest is not responding to our email or registered mail attempts to address our billing issues. Instead they took adverse action by sending in XXXX XXXX XXXX as their agent, to trespass onto my property and attempt to repossess the vehicle. Sheriffs were contacted and report filed ( Case # XXXX ) as the tow truck company, their agent, was caught having crossed INTO my backyard with their truck closed behind my locked gate. The XXXX made it clear to the agent, that the only property they could remove was their tow truck. 
They will likely tell you that they have resolved this matter by having someone reach out to us regarding the dispute. XXXX called and introduced herself as the agent with XXXX XXXX Bridgecrest. She said that she was to help resolve / address our CFPB complaints and the notice of Claim that we had sent in to legal. In my recorded conversation with XXXX, while voicing our concerns over misapplied finance charges, and asserting our rights as the consumer to mandatory arbitration before any adverse action could be taken, she advised that she was NOT with legal and could NOT advise on any of the concerns I had. She told me since their record, that I am contesting, shows that they have received " No payments '', that I should go ahead and relinquish the vehicle to the tow truck company that was illegally trespassing on my property.
Consumer complaint received 2024-05-01
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. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with Eastern Account System they did not provide me with the original contract as i requested, or have they provided a copy of certified receipt with my signature. 
EASTERNACCOS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XX/XX/year> {$570.00}
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

Citibank changed my account to inactive status. Then I called the helpline and they gave me instructions on how to re-activate my account, which I then sent the letter on XX/XX/year> ( per their instructions ). I have not heard back and according to the helpline today ( XX/XX/year> ) they have not received the letter. They will not activate my account without the letter, which they claim they did not receive. When I call, they put me on hold for extended periods without returning and drop my call once I get connected to the supervisor. I simply want my account re-activated so I can close my account.
Consumer complaint received 2024-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/23 I file a dispute with Capital One Credit Card XXXX for a Charge of {$450.00} from XXXX by XXXX XXXX. Capital One Case # XXXX. 

On XX/XX/23 I check in the XXXX hotel around XXXX XXXX and check out on XX/XX/23 around XXXX XXXX due to the room being dirty and lack of internet service or TV. 
I went to the front desk and informs of this conditions to the clerk. She said that they were having some problems, apology, check me out and gave me a copy of the bill with {$0.00} charge. 
Capital One credited my account for the full amount of {$450.00} and them on XXXX XXXX 2023 Capital One Reapply the XXXX of {$450.00} to my account. 
capital One made this decision base on a Confirmation Showing No cancellation per policy received from?. 
I did not cancel my reservation I check in and OUT because of the dirty conditions of the room. 
I provided Capital One with copy of the XXXX XXXX XXXX with {$0.00} charge, also provide the phone # and name of the Hotel Front Desk Clerk and Supervisor in order for Capital One to Verify the Credit.They NEVER did. 
As of today Capital One is Charging my account the full amount of {$450.00} plus {$40.00} for late charge fee and {$12.00} interest charge.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-05-01
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)

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$170.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5000.00}
Consumer complaint received 2023-12-16
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. (FL)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

A fraudulent account was opened after a debit card was sent to someone in XXXX  and that person proceeded to access our accounts and make XXXX large withdrawals without any red flags popping up. This is Citizens Bank by the way. 
All cashiers checks were handed out by XXXX different tellers at XXXX different branches in XXXX. We live in XXXX. 
We were told that the monies will be returned to our account within XXXX XXXX days by XXXX of the branches we visited to closed the accounts while another told us it will be a couple of weeks then today we receive a letter telling us they denied the claim for insufficient evidence. There should be video evidence showing the tellers handing over the cashiers checks. We have XXXX of the check numbers given to us by the first banker we spoke to. We are still waiting to get the XXXX check number from the bank. 
The total amount stolen or rather given away is {$27000.00}.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I opened up an account with synchrony Bank for XXXX XXXX to purchase furniture. I was making all of the payments on time and actually paying over and they closed the account. No warning no information sent just close the account now theres a collection agency calling that wont provide any information called XXXX XXXX
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  ; XXXX  and Transunion are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report ) The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC (TX)

This complaint comes after numerous attempts, requesting that Continental Finance comes within compliance of Federal Law, of the Military Lending Act ( MLA ). On the Following accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Military Lending Act prohibit any lending to extend credit to a military member where the interest including fees exceeds 36 % The MLA requires the terms and disclosure of the MLA to be in written, and orally. 

I have notified Continental Finance on three different occasions, Of these violations pertaining to my REFLEX and Surge Credit Card, that the MLA caps interest to 36 % including fees and interest.

I have informed Continental Finance that The MLA provides for various enforcement mechanisms. ( XXXX ), a creditor who knowingly violates the MLA can be charged criminally with a misdemeanor. 10 U.S.C. 987 ( f ) ( 1 ). ( 2 ), The MLA, as amended in 2013, allows covered members to sue anyone who violates the MLA for actual damages not less than {$500.00} for each violation, punitive damages, attorneys fees, and costs.10 U.S.C . 987 ( f ) ( 5 ). Moreover, under the MLA, any credit agreement, promissory note, or other contract prohibited under this section is void from the inception of such contract. 10 U.S.C. 987 ( f ) ( 3 ). The MLA prohibits a creditors from extending consumer credit with a military annual percentage rate of interest greater than 36 %. 10 U.S.C. 987 ( b ) ; 32 C.F.R. 232.4 ( b ).

Continental Finance has ignored all reasonable requests to cease and desist violating the above Federal laws, I have asked them on countless occasions to come within the guidelines of the law and issue a refund for the illegal funds they have collected. Although the law directs the creditor to void the illegal contract. Continental Finance refuses to respond and has continued to pile on interest and various fees in violation of the MLA.

I have informed Continental Finance that their knowledge of the law and continuous violations constitute criminal actions.

I have informed Continental Finance that the law provides that I am entitled to sue for no less than {$500.00} per illegal transaction, but Continental Finance shows no concern or no remorse in the actions they continue to execute.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00}
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

After speaking with XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Consumer complaint received 2024-05-01
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. (FL)

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 2024-05-01
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 2023-09-18
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (SC)

I have contacted discover bank 2 times about paying off an account. I have not been able to pay the account as no one has gotten back to me. I have called XXXX ready to submit payment, and I have not access to the account and have contacted to resolve the issue and was told that a note to unlock the account was sent but I have received nothing. This is my third time asking that discover provide a way for me to submit payment.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-01-26
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently found a late payment on my credit report that I don't recognize. According to the Fair Credit Reporting Act ( FCRA ), payments are not supposed to be listed. I believe it's a mistake, and I request it be fixed.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.