davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (TN)

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 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

After I purchased the vehicle within two weeks, it was placed in an automotive repair shop due to malfunctioning. This caused me to lose income from missing work and paying for the repairs. The car was a luxury vehicle, so minor repairs and the high interest rates given by Credit Acceptance would cost a fortune. We made payments whenever we could, but the car continued to have problems, causing us to fall behind on bills and expenses. 

Eventually, there was no response after trying to contact the loan company and dealership. After the vehicle had completely shut down in the middle of a major highway with my wife and kids in there, I knew these circumstances were unacceptable. 

The vehicle was repossessed shortly after this incident. I received a letter stating that it was sold at auction, but there was a remaining balance of over {$6000.00} remaining. When the car was purchased, {$6000.00} was placed for the down payment, and the sales price was {$10000.00}. Last XXXX, I received a letter from my employer stating that they would be garnishing my wages until a balance of {$6000.00} was paid. I was garnished over {$200.00} every pay period.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (UT)

LVNV, I am seeking to send an affidavit to you all register agent and need to have your registered agents information presented to the constable to serve papers. Please provide the register agents information through this CFPB portal. Marking this complaint as a duplicate will be used to notify the civil claims court that LVNV is refusing to provide register agent information to serve paperwork.
Consumer complaint received 2023-04-15
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. (MO)

I am XXXX XXXX and I am submitting this CFPB complaint to formally dispute the inaccurate information that is currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I respectfully request that the following inquiries be immediately removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-21
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. (TN)

Thank you for your prompt attention in correcting some adverse information on my credit file. However, I still find accounts that need to be repaired. Therefore, I request that all inaccurate information for the accounts listed below be fixed immediately : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$31000.00}
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Early Warning Services, LLC (WI)

XXXX XXXX XXXX XXXX XXXX  XXXX. 
Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Open Date : XX/XX/XXXX These Companys above is Violating my Rights. I XXXX have requested to view my Early warning system report and noticed that there are Accounts that dont belong to me and I would like for them to be removed due to the FCRA rules and U.s laws. 15 U.S.C 1681 B2, 15 U.S.C 1682 S2A1.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (NV)

In accordance with the Fair Credit Reporting act, Best Egg has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section XXXX ( a ). 15 U.S.C 1681 XXXX. XXXX ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ) also states that a consumer reporting agency may not furnish an account without my written instructions. I am hereby exercising my rights to privacy and request for the referenced account XXXX XXXX XXXXXXXX XXXX XXXX to be immediately removed from all credit bureaus and agencies. 

I am also requesting the minimum violation amount that I am legally entitled to of {$1000.00} for such violations for each infraction bringing the total sum amount of {$2000.00}. 

They ignored my previous requests and now I have all the documentation and proof I need to pursue further legal remedies through the court system should they choose to deny my request again.
Consumer complaint received 2024-05-31
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I attempted to rent a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX with confirmation number XXXX. They handed us a car key with the blade extended and told us the car was outside. After we went outside, only one XXXX XXXX XXXX like the one we were shown was parked outside. I used the key to unlock it, and once I turned the key, it got stuck in the door and couldnt be removed, which should not happen to any car with no pre-existing problems. XXXXhree men immediately came out of the office, accusing us of causing the damage, which we firmly denied. The manager tried to get me to sign a document admitting I caused the damage, but I refused. I called the police right away. While we waited for the police to arrive, which they never did, the manager unauthorizedly charged my card {$1000.00} and {$1500.00} behind my back. When I saw the charges and confronted him, the manager failed to provide any proof or justification for the total {$2500.00} and refused to provide a refund. The next day, he sent me a self-made {$1000.00} damage invoice and asked me to sign it, promising to refund the other charges if I did. I refused to sign this as well. This is clearly a case of fraudulent practices by Priceless Car Rental. 

I submitted a dispute to Chase on XX/XX/XXXX, via phone, but they closed it without any further information or resolution. Despite explaining the situation and attempt to provide evidence, Chase did not adequately address the fraudulent charges. I am seeking a refund of the {$2700.00} in unauthorized charges and proper handling of my dispute.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Simon's Agency, Inc. (FL)

I am writing to follow up on my second dispute regarding the accuracy and validity of a collection account reported on my consumer credit report. Despite the collection agency 's commitment to provide supporting documentation, I have yet to receive the requested validation. This continued failure to comply with regulatory requirements necessitates further investigation. The debt has now been transferred to a different collection agency. Rather than providing the requested information, they issued a vague statement and transferred the debt. 

Account Information : Original Collection Agency : * XXXX XXXX XXXX XXXX * Account Number : * Amount : {$2900.00} New Collection Agency : * SIMON 'S AGENCY , INC . 
* Account Number : * Amount : {$2900.00} Laws Being Violated : 1. XXXX  Violations : The collection agency has accessed and disclosed my individually identifiable health information without proper authorization, in violation of the Health Insurance Portability and Accountability Act of XXXX ( XXXX ). The specific violations include : * Unauthorized use of my unique health identifier. 
* Obtaining my individually identifiable health information without my consent. 
* Disclosing my health information to unauthorized parties. 

These actions are punishable under XXXX, with penalties including fines and imprisonment as detailed in Public Law 104-191.

2.FCRA Violations : The collection agency is also in violation of the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in consumer credit reports. The specific violations include : * Failure to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), despite having placed a collection account on my credit report.

* Not providing me an opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
* Utilizing false, misleading, and deceptive means to collect the debt, thereby violating my consumer rights under the FCRA.
Consumer complaint received 2024-05-31
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 (TX)

Dispute Case # XXXX XXXX XXXX XXXX XXXX Against Merchant XXXX XXXX XXXX XXXX. XXXX disputed : {$3100.00} The Merchant had proposed to build half-toilet / powder room and meet the building code and XXXX XXXX XXXX XXXX The scope of work is detailed in the draft agreement and it included everything such as but not limited to carpentry, plumbing, electrical, walls, flooring, texturing and painting, install vanity and all the fixtures, apply for the permit from XXXX XXXX. The Merchant not only failed to provide any service or the product but also violated XXXX XXXX / Texas State Building Code requirements by not providing license and insurance information. I provided a detailed letter along with supporting documentation as well as written communication with the Merchant to Capital One. The documentation I provided confirms beyond doubt that the Merchant did not complete any of the service listed in the draft agreement. 

I requested Capital One Dispute Department to ask the Merchant for evidence of the completed work in the form of pictures, verify against the draft agreement AND also ask for the license information for the plumber and electrician who performed the work as it is required by the Texas State Law. Until the Merchant provides a verifiable evidence, I requested Capital One Dispute Resolution Department to reject any charges from this Merchant.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CA)

While in billing dispute due to a discrepancy in the installment agreement BridgeCrest Has not been communicating or responding to my request for arbitration. It is my lawful right per the contract to have a hearing between purchaser and creditor. I have a billing issue and I need proof that my vehicle was not fully paid off during the purchase.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

I was charged 30 plus times from XXXX and various names similar with XXXX in them which is not my account nor XXXX but a scam I believe and was charged multiple times from XXXX and XXXX and other places that none were authorized in anyway by me or anyone I know. Its cost me hundreds of dollars and they refuse to dispute it and refund my money and all of these charges say from California or New York or other states and I have not left my home state of Oklahoma in over a year. It is clearly fraud and I have shown that to them but they dont even look into it and deny it and I have seen many others online with this exact problem and result
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

I was never contacted by this collection agency to make payment. I happened to check my credit report and thats how I found out. It was reported previously to a different collection agency in XX/XX/2024. I called to make payments and the account was closed in XXXX of 2024 with that collection agency. I tried contacting XXXX, but they were unable to assist. So now its showing up with XXXX XXXX and I havent had a chance to pay the debt because they immediately added to my credit report. Ive never received a bill or a phone call. Theyre deliberately damaging my credit report that Im working so hard to maintain. Ive never heard of this collection agency and dont know why they would mar my credit.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

The accounts and inquiries below are all fraudulent and do not belong to me. Please remove them from my credit report. I have included the identity theft report as well. Please also update my address to XXXX XXXX XXXX XXXX XXXX, GA XXXX. I don't have any other addresses. 

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 Please delete this address. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please removed these fraud Inquiries below. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (NY)

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 2024-05-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (ME)

I am filing a complaint regarding a debt collection issue with Source Receivables Management. The issue pertains to a purported debt related to my previous residence at the XXXX XXXX XXXX apartment building in XXXX, which was managed by XXXX XXXX XXXX a nationwide corporate landlord. 

Dates and Actions : Move-Out : I moved out of the XXXX apartment building on XX/XX/XXXX. 
Communication with XXXX : Prior to my move-out, I was in communication with XXXX XXXX , the Community Manager at XXXX. On XX/XX/XXXX, XXXX confirmed in writing via email that no further debt was owed by me. She responded to my query, " Just confirming that this means nothing more is owed? That seems to be the implication but want to make sure, '' with, " Hi XXXX, You are correct! Thank you. '' Debt Collection : Despite this confirmation, I was later contacted by a debt collection agency claiming I owed {$4000.00}. When I explained the situation and provided the email from XXXX, the previous debt collectors acknowledged my position and ceased their collection efforts. 
Credit Report Disputes : I successfully disputed the debt with XXXX and XXXX, and the debt was removed from my credit reports based on the evidence provided. 
Current Issue : Recently, I received a letter from Source Receivables Management regarding the same debt. I contacted them on XX/XX/XXXX, to explain the situation and provided the same documentation. Despite this, they have continued to pursue the debt. 

Additional Facts : XXXX XXXX, as the Community Manager, had both apparent and likely actual authority over move-out procedures and financial matters. She managed the front desk, sent me the ledger of my bills, and was my only point of contact with XXXX throughout my stay and during my move-out. 
The move-out process was hectic, with various fees and penalties being discussed and later waived by XXXX. XXXX 's confirmation that no further debt was owed was relied upon by me to my detriment. 
XXXX 's email discharged the debt under Illinois law, given her status as an agent of the corporation and the fact that I relied upon her promise to my detriment.

Actions Taken by Me : Provided the written confirmation from XXXX XXXX to both the previous and current debt collectors.

Successfully disputed the debt with XXXX and XXXX. 
Attempted to resolve the issue directly with Source Receivables Management via phone call on XX/XX/XXXX, explaining the situation and providing documentation. 

Despite my efforts, Source Receivables Management continues to pursue this invalid debt, causing significant stress and potential damage to my financial standing. 

I request that the CFPB investigate this matter and assist in resolving this ongoing issue with Source Receivables Management, ensuring that the erroneous debt is permanently removed and that I am no longer contacted regarding this matter. 

Thank you for your attention to this issue.
Consumer complaint received 2024-05-30
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: GOLDMAN SACHS BANK USA (AR)

I order a product from XXXX XXXX product was not what I ordered, so I returned products and there was a return slip in the packaging it was originally delivered in. I sent product back to the address listed on that return slip. Product never made it to XXXX. I provided picture of XXXX tracking slip showing it was delivered, apparently the return slip was a fraudulent package slip, as XXXX has no record of product being return. I filed dispute with my credit merchant on multiple occasions since XX/XX/year>, and have been provided re-assurance that this matter was taken care of but after a 90 day cycle of dispute review they through the charge back on to my card. I have done this now about 4-5 different times since XX/XX/scrub> XXXX XXXX