davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-26
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. (CA)

On XX/XX/2023 my credit report from Equifax was mailed to me but was addressed to someone else. After checking my credit report the name that was used is not listed under my personal information. A day later another credit report with the same name but this time from XXXX arrived. XXXX explained they couldn't locate my report ( probably because of the wrong name ) so why is Equifax mailing my credit report to anyone who request it? I just removed a fraud alert a day or two prior.
Consumer complaint received 2024-04-16
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VT)

I am filing this complaint due to Synchrony Bank 's inadequate handling and resolution of a dispute regarding the allocation of payments on my XXXX XXXX XXXX XXXX account ending in XXXX. 

On XX/XX/XXXX, I made a significant purchase of approximately {$34000.00} with a promotional offer of 0 % interest for 36 months. In XX/XX/XXXX, I incurred an additional charge under a different promotional offer of 0 % interest for 18 months. My expectation, based on these promotional terms, was that my payments would be allocated in a manner that maximized the benefit of these promotional periods. 

However, I discovered that my payments were being applied to the earlier charge first, despite its longer promotional period, which contradicts the logical allocation that would benefit from the differing promotional terms. This payment allocation method significantly impacts my financial management and the effective use of the promotional interest rates offered, and springs a retroactive finance charge of {$8100.00}. 

I emphasize : an {$8000.00} penalty for timely paying my account, automatically, since the inception of the charges. 

I initially reached out to discuss and resolve this matter with a customer service representative, XXXX XXXX, on XX/XX/XXXX, at approximately XXXX PM Eastern time, but the conversation did not lead to a resolution. Following this, I escalated the issue to XXXXXXXX XXXX XXXXXXXX team on the same day. 

On XX/XX/XXXX, I received a response in the form of a letter within my account, which, perplexingly, contained no content or resolution to my issue. I sought clarification on this matter and, on XX/XX/XXXX, was informed by XXXX that they would not alter their position on the payment allocation. Furthermore, a new letter was referenced in this communication, which had not been previously visible or provided to me. 

I made a final attempt to reach XXXX XXXX, Senior Specialist, Corporate Consumer Relations today at approximately XXXX PM XXXX. She did not answer her line.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On Tuesday night XXXX the XXXX I tried to make a purchase using my Capital One credit card, but it was blocked. I then contacted Capital One about why this was happening, I was then told that the deposit of XXXX dollars to get the credit card had been returned back to the bank. I couldn't understand that because Capital One had already sent me XXXX credit cards and said that the deposit for XXXX dollars was paid and accepted by both Capital One and the Bank. Plus I had already used some of the money in the XXXX dollar credit limit. Also this had taken place over 3-4 weeks. I asked Capital One why didn't they verify with the bank that the deposit payment was approved, they told me it was initially, but later on 3-4 weeks the bank took back the deposit payment. The problem I have with this is how Capital One handled this whole process at no time did Capital One inform me of this until on Tuesday night XXXX the XXXX which was 3-4 weeks after they sent me XXXX credit cards in the mail and I used some of the Credit limit to make purchases. Also Capital One had canceled the XXXX Credit Card they sent me before I ever got it. Then they had to send me the XXXX XXXX. I want Capital One to open my account and activate the Credit card they just gave me the one I have now!! As far as the deposit I believe Capital One has received it and approved it.
Consumer complaint received 2024-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The hard inquiry on my account was made fraudulently. It was made by FRAUD. XXXX and XXXX have already removed it. XXXX and XXXX XXXX  has already reached out to Transunion to let them know that I was not associated with that hard inquiry. Every party involved has already disconnected me from the hard inquiry. Transunion is refusing to do the right thing and is keeping a proven fraudulent hard inquiry on my account. Take it off my account. I refuse to accept anything less.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (NJ)

ON XX/XX/2024 WE OVERPAID OUT MORTGAGE BY {$3100.00} ( XXXX PAYMENTS ) WE CONTACTED THEM ABOUT THIS ISSUE ON XX/XX/XXXX THEY REQUESTED A COPY OF THE DOUBLE PAYMENTS FROM OUT BANK TO BE SENT TO THEIR EMAIL, WE SENT IT AND THEY SAID XXXX BUSINESS DAY, THE DAYS CANE AND WENT WE THEN CONTACTED THEM ON XXXX XXXX AND THEY SAID IT WOULD BE XXXX MORE DAYS, CONTACTED THEM AGAIN ON XX/XX/XXXX THAT XXXX BUSINESS DAY AND WAS TOLD THEY WOULD PUT A CHECK IN THE REGULAR MAIL WHAT???? NO TRACKING NUMBER NOTHING IF IT GOT LOST WE WOULD HAVE TO WAIT UNTIL XXXX WEEKS TO CORRECT THAT ISSUE. 

I TOLD THEM I WOULD LIKE TO GET IT BACK VIA BANK TRANSFER THE WAY WE PAY THEM, THEY THEN SAID WE NEED THE ACCOUNT AND ROUTING NUMBER WHICH WE SENT AT THE GET GO.. SO WE ARE BACK IN A CIRCLE WHICH I FEEL THE ARE GIVING US THE RUN AROUND WITH OUR MONEY THAT WE NEED
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

On XX/XX/XXXX, I received a letter in the mail from a debt collection agency, Credence Resource Management , LLC. Confused and bewildered, I open the envelope to find a bill that says an XXXX XXXX XXXX account was not only opened, but went unpaid and was sold into collections under my name. Apparently, the account was opened a year prior to me receiving the mail ( XX/XX/XXXX ). XXXX XXXX XXXX, XXXX, and XXXX are all in violation of multiple sections of the U.S.C. including 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1693a ( 2 ), 18 U.S.C. 1028A, 15 U.S.C. 1681n ( a ), 15 U.S.C. 1681b ( 2 ), 15 U.S.C. 1681b ( f ), and 15 U.S.C. 1681n.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MI)

I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Jefferson Capital System. Jefferson Capital Systems has never contacted me about this debt that was listed on my consumer credit report, nor did I give them consent or authorization to access my credit reports from any credit reporting agency. According to 1692g. sec 809 ( a ) of the ( FDCPA ) Fair Debt Collection Practices Act. A debt collector within five days after initial communication with the consumer in connection with the collection of any debt shall send the consumer a written notice containing 1. The amount of the debt. 2. The name of the creditor to whom the debt is owed. 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof. Jefferson Capital System never sent this notice. Nor showed any permissible purpose to be listed on my consumer credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation (GA)

I reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct.

As you know it is agaisnt the law to report any information not proven accurate.

In accordance with the fair credit report acting, everything has to be 100 % accurate on my credit report and under the 15 u.s. code 168e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WV)

I made my payment well Over a week and a half before my due date. I called and asked a representative how long it would take for them to take the payment from my account and she said 2-3 business days so I made sure the money was in my account for that time but they never even tried to take the payment but reported the payment as returned and then never notified me and reported me as late to the credit bureaus, which dropped my score by XXXX points.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Greetings, My name is XXXX XXXX XXXX and I have been getting these letters from the city of XXXX XXXX district court on a debt that is a decade old for years now. This continuous harassment for years is criminal. The case # XXXX The plaintiff 's name is Midland Funding LLC as successor in interest of XXXX XXXX XXXXXXXX, the attorney 's name is XXXX XXXX XXXX XXXX P.C by : XXXX XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX Mi XXXX. This latest letter is filed as a Civil Judgement # XXXX. The court address is XXXX XXXX XXXX XXXX according to this letter the money Judgement was entered on this action on XX/XX/year> in the amount XXXX.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt 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 didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-08-13
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 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUN LOAN COMPANY INC. (MO)

I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all 3 bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.
Consumer complaint received 2024-04-24
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am an XXXX XXXX member of the United States XXXX XXXX, serving since [ XXXX XX/XX/XXXX ]. I previously contacted you on in XX/XX/XXXX to request a reduced interest rate under the XXXX. 

" I provided a copy of my military orders at that time '' and " We discussed the possibility of reducing the interest rate, and returning the interest I have already paid on my account. but I haven't heard back. '' ] I am writing again to ensure this request is processed and reflected on my account. 

Please let me know if you require any additional information or clarification. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX is reporting that I took out a XXXX Loan. I did not. what they are reporting is a shared income agreement that I made with XXXX XXXX. This is not a XXXX Loan but they are reporting it as if I borrowed money and I did not. I agreed to pay XXXX XXXX some of my income but only if I make over a certain amount per year and I do not make that much per year so I do not owe anything at the moment. I never borrowed any money. It says right on the top of the contract " THIS IS NOT A LOAN OR CREDIT '' but they are reporting as though it is. I attempted to dispute this with the credit bureaus but they said that to reporting party certified it was accurate. That is not an investigation at all. I did send them the contract that said this is not a loan or credit but they seem to ignore that factor and they still have it reporting under XXXX Loan. Since this is not credit or a loan its does not fall under the same consumer laws. It should be removed.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

On XXXX XXXX XXXX  EST, I attempted to deposit cash into an ATM outside a US Bank Branch . The machine accepted several bills, returned a few, then returned more, then flagged an error and printed out a receipt indicating and I quote, " A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. CONTACT YOUR FINANCIAL INSTITUTION AT THE NUMBER ON THE BACK OF YOUR CARD. KEEP THIS RECEIPT.

FOR U.S. BANK CUSTOMERS, PLEASE CONTACT XXXXUSBANKS OR XXXX " I then went into the bank, and brought the error up which they then claimed I would need to contact the number to have the machine serviced, balanced, and any cash remaining be credited to my account. I was then able to deposit a majority of the cash with the teller that was returned via the ATM. 

Upon calling the number, they continued to assert I'd need an exact number but I was unable at the time to provide an exact amount that was not returned as I wasn't aware how much the machine accepted versus rejected versus I was able to deposit.

Requesting a supervisor, I was able to escalate the problem which the manager then decided to assert that because I wasn't sure of the exact amount the machine kept, I was essentially forfeiting that money and that I SHOULD KNOW how much money the machine kept?

I guess in my mind, if the machine had an issue, it should never have accepted cash to begin with and yet the supervisor/manager refused to acknowledge the machine issue and essentially told me I'm on my own?
Consumer complaint received 2024-02-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance America, Cash Advance Centers, Inc. (AR)

An XXXX XXXX with XXXX XXXX keeps calling from a blocked number. I spoke to her and let her know when I intend on paying the debt and she said okay. Prior to agreeing, she said that I had a scheduled service date to sign for papers that would be delivered to my house and if Im not home to sign for these papers that they will be sent back and deemed as failure to comply. I she calls from a block number but leaves XXXX as a call back #. I told her I just started a new job and plan to pay, but got another call this morning.
Consumer complaint received 2024-02-21
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: CITIBANK, N.A. (NY)

In a nutshell, two flights were booked through XXXX XXXX. The first one was made by mistake. Told that we were going to be refunded never were so disputed it with the credit card company, and the credit card company says that they refuse to pay.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against [ Jefferson Capital Systems , LLC ] for violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that [ Jefferson Capital Systems , LLC ] placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with [ Jefferson Capital Systems , LLC ], including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that [ Jefferson Capital Systems , LLC ] provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If [ Jefferson Capital Systems , LLC ] is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with [ Jefferson Capital Systems , LLC ] is blatantly false. I neither received any services or products from [ Jefferson Capital Systems , LLC ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 


The actions of [ Jefferson Capital Systems , LLC ] constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.