davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

I booked a hotel with a specific room type through Citi XXXX. They booked the wrong room type, but would not acknowledge their mistake. I have waited 2 weeks and Citi kept saying they do not have a resolution. The customer representative was very rude and refused to describe what resolution she would be trying to achieve. 

This is the second time Citi XXXX made the same mistake of booking the wrong room type at the hotel. Citi is ripping consumers off by charging a high price for better room types and just booking inferior room types. It is misrepresenting to customers. If I had not called the hotel, I would not even know Citi made a mistake and Citi can just take my money and give me an inferior product.
Consumer complaint received 2024-07-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC (MD)

SOMEONE CREATED A LEASE AGREEMENT FOR THE XXXX XXXX XXXX XXXX, XXXX, XXXX, MD XXXX WITHOUT MY CONSENT AND MY DOCUMENTS. I NEVER LIVED IN THAT ADDRESS AND NEVER SIGNED ANY LEASE AGREEMENT
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc (NY)

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Also this company isn't properly licensed and boned to collect by state.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I have recently reviewed mg credit report and notice two accounts I did not create. The consumer reporting agencies need to report all information with complete accuracy. These account have never been opened I'll attach a copy of my report to the complaints of the following dates ( XX/XX/year> ) and ( XX/XX/year> ). I am not requesting you to investigate this account and update these to removed immediately. Thank you for your understanding.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

Dear AshmerCollectionServices, I am writing to dispute the debt you claim I owe. I have no record of any contract or agreement with your agency. Please provide written validation of the debt, including proof that I owe this debt and that your agency is authorized to collect it. 
Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector can not make false or misleading statements. Failure to provide this information may constitute a violation of the FDCPA. 
Until you provide the requested validation, please cease all collection efforts. If this issue is not resolved, I will file a complaint with the Consumer Financial Protection Bureau and my states attorney general. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Ive sent multiple rounds of letters through the three credit bureaus regarding my capital one accounts because I do not remember having these late payments and believe them to be inaccurate. Further, the reporting of these late payments is different between the three bureaus and was changed by date since I made my dispute. Not removed, but the months noted as late were simply switched.

I sent letters disputing these late payments on : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 The bureaus reported that the information was investigated and found accurate, but I have requested proof of method of investigation and and not received this material. 

XXXX XXXX is currently being sued by XXXX for reporting incorrect payments due to their internal system delaying payment received by customers who make their payments on time this is a widespread problem within the XXXX XXXX system. 

Please reference the case here : XXXX XXXX XXXX Knowing that this company is falsely reporting late payments in a way that is so widespread, a national company is suing them, only further validates my claim.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (FL)

Had a company report a debt on my credit prohibiting me from moving forward in the financial realm. Called to see what the debt was for and the company could not tell me. They collected some personal information like my social before I realized it was a scam. The company is called Elevate Recoveries LLC. Based out of Texas and I live in Florida had no idea what these charges could have been from yet they are negatively affected my credit score and my financial life.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

Accounts have been opened in my beam with Chase bank! I reached out to chase about these accounts being opened and my claim was denied because of transaction made near where the account was opened I had NOTHING to do with these accounts I submitted a police report along with a declaration report. I have been a victim of ID theft and have never banked with chase.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/2019 I closed my line of credit account with Regions bank. I have been I. Touch to settle the account also. I did a dispute with credit bureaus because I the consumer closed this account they will not report to the credit bureaus I closed this account. I have Wrote and called still this account is not reporting as closed by the consumer. I want the account closed as I ask them and report it correctly to the 3 bureaus. 
I also wrote to settle the account they are asking me for my tax returns and I have provided them my income from my employer I work part time now and wanted to settle this account. They said I need to provide my taxes return I file jointly with my husband I dont deel his information needs to be in there possession. Please help me get this account closed dating back to XX/XX/XXXXwhen I requested to close it.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made an electronic transfer of {$100000.00} from my XXXX XXXX XXXX  Savings account to my Capital One Bank Account. The deposit cleared, but I was told by Capital One that there is a hold on my account and I am unable to access my funds. I was not given an explanation for the hold ( other than being told it is under investigation by their internal fraud department and they say they could keep the hold in place " as long as they want. ''
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (PA)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agency, XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, has never informed me of my right to exercise my nondisclosure option. XXXX XXXX has not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-10-26
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-08-28
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (MD)

XX/XX/XXXX - Went to Honda of XXXX XXXX to purchase a new vehicle after my car was stolen during a home invasion. I chose this dealership because a close friend worked in parts & service, and was able to get me the friends and family discount. However, on the date I went to the dealership, they had sold the original vehicle I came to look at. Regardless, they stated that a similar one was in transport. They agreed to sell me the car at invoice - XXXX. Stated they would text me when the vehicle arrived. 

XXXX - Received notice via text from XXXX XXXX that my vehicle had arrived. I should note that XXXX is not the business manager who I completed my paperwork with. 

XXXX - I went to the dealership to purchase the vehicle. The on the road price agreed upon was {$38000.00}. I put down {$8000.00}. Per the retail installment sale contract I signed on XX/XX/XXXX, the terms were as follows : -- Amount Financed : {$30000.00} -- Finance Charge : {$6900.00} -- XXXX APR for 72 months -- Monthly Payment of {$510.00} XX/XX/XXXX - Received welcome email from Honda Financial. Logged on to see that the monthly payment amount was {$85.00} more than the agreed upon price. I doubled checked my copy of the contract and confirmed XX/XX/XXXX - I reviewed the contract submitted to the finance company. Upon review, I noticed that the amounts were different, and the contract was dated 2 days after my purchase date and the signature on the documents was not mine. Below are the changes : -- On the Road Price : {$42000.00} -- Amount Financed : {$35000.00} -- Finance Charge : {$8000.00} -- 6.9 APR for 72 months -- Monthly Payment of {$600.00} Same date, I reached out to a consumer lawyer. They mentioned filing complaints with the AG 's office, MVA, and CFPB. 

I also reached out to Honda Financial, who stated there was nothing they could do, despite the documents that the dealership submitted being falsified and fraud. 

XX/XX/XXXX - Filed Complaint with AG 's office. Case # XXXX.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Set up monthly biweekly payments for the XXXX and XXXX of each month. On XX/XX/XXXX deducted via a h from account, posted on XX/XX/XXXX. I later received a notice from Cap One they did not receive payment of XX/XX/XXXX, was charged extra fees, reported as late to CRA, and was provided options to make payment.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (AL)

I mailed a letter to Chase auto loan disputing the inaccurate information my credit report. 
the credit report state 30 days late, 60 days late, 90, days late, 120 days late, then c/o, and c/o. These are evidently violations which is stated in my claim, as I have also been denied for a house and car due to these false allegations. 
Evidence of claim is attached.
Consumer complaint received 2024-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-05-29
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)

Pursuant to 18 USC 8, I owe no debt. And there is also a violation of code 15 USC 1681s-2. Also according to the FCRA a consumer reporting agency must provide reasonable procedures to assure the maximum possible accuracy of the info concerning the individual about whom the report concerns. : STUDENT LOANS : DEPT OF EDUXXXX XXXX XXXXXXXX, DEPT OF EDUXXXX XXXX XXXX $ XXXX, DEPT OF EDUXXXX $ XXXX US DEPT OF EDUXXXX XXXX XXXX.
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: American Credit Acceptance, LLC (IL)

I'm REWRITING to complaint to AMERICAN CREDIT ACCEPTANCE about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

Hello there. 

I tried to cancel my AAdvantage Aviator... XXXX ( ending numbers ) because I no longer used it. I called to ask them to cancel the card about a day after the XXXX XXXX  yearly fee processed. I was on hold for a very long time and finally I spoke tot someone who said we will process your card and give you the {$99.00} back since you no longer will use the card inn the coming year Since then I have called the company5 times. I would wait on hold for half an hour and then they would drop the call and hang on. The 3 times I actually spoke to someone they told me my account is closed and they are working on returning the {$99.00} to me, and that need to wait and its a process, but my claim for the {$99.00} annual fee has been submitted. 

The credit card kept the balance at {$99.00}, and because I was waiting for the refund I never paid it. This went on for months and I keep calling them with no answer, inn the manttine my XXXX XXXX dropped down XXXX points because of non payment for this card. I gave up and paid the {$99.00} fee because I did not want it to go even lower. 
To this day th credit card has not given me a refund of {$99.00} My XXXX XXXX fell so much - I am attaching images of what happened, because they kept this {$99.00} on my account and didnt close it until after I paid, even though I called them a few days after they Billed me.. 

I am appalled at there service, please help XXXX XXXX