davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
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: American First Finance, Inc. (AZ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (CO)

On XXXX XXXX XXXX, I tried to get XXXX dollars off my card through XXXX XXXX at a XXXX XXXX XXXX XXXX XXXX. The transaction was declined due to security reasons, according to a text I got from my bank SoFi. I try calling the bank and they telle to try the transaction again and it was declined. Then somewhere along the way my bank locks my account completely. This happened before the phone call was even finished. They don't even tell me why my account was locked. They also claim that no management is available to resolve the matter. They did not even tell me the account was restricted on the first phone call. 

I have tried to call them a handful of times and I get the same response every time. That I suddenly need to provide valid identification to reopen my account. However, they will not tell me why my account got locked. All they say is that an internal team is reviewing the problem with the account. Additionally, they will not take my Certificate of XXXX XXXX as ID even though it is federally issued. So, essentially I am locked out of my own bank without any recourse to get access to it. They ask for either a drivers license, a state ID, or a passport. Which I can't get access to at the moment as I can't get access to my money. I can't even pay my bills. 

Additionally, on XXXX XXXX XXXX I tried to move {$1100.00} dollars from my checking to my XXXX XXXX but it was declined. I tried to call the bank to get it resolved. They had me try to do the transaction again but it was declined. It was the same as what I have described above. However, my account was not locked. The blatant differences between the two incidents makes no sense. 

This is textbook bank fraud and I feel racially discriminated against due to the bank.
Consumer complaint received 2024-07-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (TX)

XXXX XXXX high interest loan in which I XXXX searched, Im not sure whether or not they showed the fee charge which Im sure they didnt. 

I borrowed {$1000.00} and the fee was {$1400.00} creating a total loan of {$2400.00}. 

If I knew it was going to cost that much for a loan I wouldnt have signed the loan docs digitally. 

Even the terms are unfair, I cant hire a private attorney according to the credit agreement.
Consumer complaint received 2024-09-08
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. (FL)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

This dealer advertised a price of XXXX for a XXXX XXXXXXXX. Before we even got to the tax, tag and title they charged an additional XXXX for a service package. I asked them to remove it, they declined. I clarified that this fee is in addition to the dealer fee of XXXX. I asked for a copy of the breakdown and the manager declined. I asked if this was legal and he got very angry with me. A car that was listed as XXXX ended up being {$22000.00} out the door. 

Nissan of XXXX XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00}. 

Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$580.00}.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I reviewed my XXXXnsumer Reports and noticed that I had a 30 day late payment on an account that has never been late 30 days. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late 30 days on any payment for this account XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late at least 30 days. If proof can't be provided, I demand that this payment status be updated to on time as it should be as I was never late 30 days. Thanks.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One closed my small business checking account without any prior notice. Upon contacting customer service, I was informed that no specific reason could be provided for the closure. Even after the closure, I was only alerted to the issue when my debit card embarrassingly didn't work in front of a client. 

This unexpected action has caused significant disruption to my business operations, as I have numerous outstanding checks and payroll services dependent on this account. 

Additionally, I have yet to receive any information on when I will be issued a check for the nearly {$5000.00} balance that was in my account at the time of closure. This delay is causing considerable financial strain on my business. 

Reference Number : XXXX
Consumer complaint received 2024-05-13
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. (NV)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (WI)

To whom it may concern, Ollo Credit was purchased by Ally Bank. My problem started immediately with their website I was unable to make online payments. 
On XX/XX/XXXX. I called to make a payment. 
I was not pleased with the stance their representative took with me. 
So I decided to close the account at that time. 
On XX/XX/XXXX I mailed a check for the final balance of {$780.00}, payment which was due on XXXX XXXX. 
I wrote in the memo section of the check " PAID IN FULL '' They posted the check on XX/XX/XXXX and it was presented to my bank on XXXX XXXX. 
Talking about a snails pace. 
Its not my fault their website was not working or the arrogance of their employee or their slow pace of processing mail in payments. 
In hopes of correcting this situation, I have talked to XXXX, XXXX, XXXX, XXXX and a supervisor XXXX, who said she would call me back, but never did. 
I spent over 2 hours trying to resolve this problem. 
By cashing my check with PAID IN FULL written on it, they agreed that no other monies are owed. 
Now ALLY Bank is assessing late fees on top of late fees. 
A check is a contract they are breaching the contract. 
I want all the late fees removed and compensation for all my time and aggravation trying to resolve this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc. (CO)

Accounts Receivable XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX Contacted me about a debt owed. I sent a Debt Validation letter to them within proper time limit requesting information and stated to treat this debt as being in dispute and under discussion between us. They sent back part of information requested, but failed to provide all requested information including proper Licensing Information and/or a Certificate of Authority from my state of XXXX and their state of Florida. I sent XXXX XXXX letters requesting this XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They failed to comply and I haven't heard back from them til MayXX/XX/XXXX. I considered this matter closed, but XXXX XXXX called me from Accounts XXXX and was very rude, very loud, yelling, not cooperative and he hung up on me. I called back to talk to a superior, and she also was very rude, talked over me, did not recognize my valid debt Validation request where I specified that 28 days have lasped all 3 times. She also did not listen to my complaint about her employee yelling at me on the phone. I had considered this matter closed per my last letter and any further inquiries will be sent to the Attorney XXXX office of Florida. I filed a complain today with the Attorney General against Accounts XXXX for harassment.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I am writing to file a complaint regarding Fair Collection & Outsourcing collection agency 's violation of my rights as a consumer. Despite my repeated requests for validation of the debt in question, the agency has failed to provide any satisfactory proof.

The debt in question has been contested by me, and I have provided ample evidence to support my claim. However, Fair Collection & Outsourcing has continued their collection efforts without providing the required validation. This disregard for my rights as a consumer is unacceptable and constitutes a violation of the Fair Debt Collection Practices Act.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Fair Collection & Outsourcing for their failure to validate the debt and their continued harassment in violation of my rights.

Enclosed with this letter are copies of all correspondence between myself and Fair Collection & Outsourcing, as well as any evidence I have provided to support my dispute.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I had a repossession with XXXX XXXX that was settled in full with a collection agency by the name of XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX  stated they see the payment for XXXX but it wasnt a settlement. Ive contacted XXXX and they stated XXXX XXXX  gave them permission to settle the account. I settled the account on XX/XX/2018 for XXXX. Experian will not marked the account as settled and closed even though Ive sent a settle in full letter to them. Attached is a letter from XXXX XXXX XXXX stating the account was settled. Thanks you ...
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Fair Collections and Outsourcing for their unjust practices in reporting inaccurate information on my credit report. This company has never validated the alleged debt they are attempting to collect, yet they continue to report this information on my credit report, violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The debt in question has never been validated by Fair Collections and Outsourcing, despite my numerous requests for verification. Furthermore, I have received no documentation proving that they have the legal authority to collect or report this debt on my credit report. Their actions not only harm my creditworthiness but also violate the FCRA, which mandates that debt collectors provide accurate and verifiable information to credit reporting agencies.

This inaccurate reporting is adversely affecting my financial standing and causing undue distress. I have made diligent efforts to resolve this matter with Fair Collections and Outsourcing, yet they have failed to provide any satisfactory resolution or evidence validating the debt.

I request that the CFPB thoroughly investigate this complaint and take appropriate action against Fair Collections and Outsourcing for their violations of the FCRA. Additionally, I urge the CFPB to ensure that this inaccurate information is promptly removed from my credit report to prevent further harm to my creditworthiness. 

Enclosed with this letter are copies of relevant correspondence with Fair Collections and Outsourcing, as well as documentation highlighting the inaccurate reporting on my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address this issue and protect consumers from unfair debt collection practices.
Consumer complaint received 2024-06-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I personally selected an individual credit card, I received one. I used it, I paid it off and hadn't used it after paying it off. My wife and I asked for a second card, only in my wife 's name. We received one. We paid it off, and never used the cards again. Still they sent us new cards, and we cut them up ... and paid the final statement amount {$19.00} We began receiving fees, I would guess just to possess the cards. We feel, and I believe if they can show me where we attempted, or made a purchase somewhere between the time we asked that they close the accounts, and receipt of our letter. we could see, agree, and pay. paid the fees and asked the merchant to close both accounts. To date the merchant had not. 

At least two months ago they began sending collection notices, which I responded to each in kind basically stating the same, sent us a statement showing the new purchase, and or a balance remaining after our " final payment ''. In XXXX XXXX  We feel, that they are currently just compounding the interest and fees, but there were no purchase since we asked to close the accounts.
Consumer complaint received 2024-03-05
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. (NY)

I am writing a formal complaint with the Consumer Financial Protection Bureau regarding the unauthorized sharing of my non-public information by XXXX XXXX XXXX XXXX to non-affiliated third parties, specifically the consumer agency Experian. 

On XX/XX/year> I notified XXXX XXXXXXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my non public personal information with non affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

This unauthorized sharing of my non-pubic information not only violated my privacy rights but also demonstrated a blatant disregard for the laws and regulations set forth by the XXXX. It is imperative that Experian complies with the legal framework established to protect consumers privacy and confidentiality.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to contest the inclusion of this bankruptcy on my credit report. It's alarming because I possess a court letter clearly stating it should not be reported to you. Additionally, the involvement of an unauthorized third party adds to the ridiculousness of this situation.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Summary : I am a holder of the American Express XXXX XXXX XXXX credit card. The card comes with one free night award valid for 12 months after issuance, good for participating XXXX hotels for redemption level at or under XXXX XXXX XXXX points. This free night award certificate was deleted from my account before expiration date. I had been given the runaround when I tried to call to follow up and not going anywhere. 

What happened : XX/XX/XXXX American Express charged me {$450.00} annual fee for the American Express XXXX XXXX XXXX credit card. I paid this fee on my card. 


XX/XX/XXXX The XXXX XXXX XXXX points free night certificate was deposited into my XXXX XXXX account, expiration date XX/XX/XXXX. Please see attached email in complaint. 


XX/XX/XXXX I called into XXXX XXXX to have the free night certificate extended as I was not able to travel last year due to all the covid travel restrictions. XXXX XXXX customer representative told me that I would get the XXXX year extension as a one time courtesy. However, she ran into a system error, and the cert was deleted from my account. A case was opened on my behalf to have a cert with one year extension reinstated in my account. Case # is XXXX. 


XX/XX/XXXX I got an email from XXXX XXXX from XXXX XXXX Customer Care, saying the he was not able to extend the expiration of the cert. This contradicts what we were told from the customer rep. There was also no mention of the cert that has disappeared from my XXXX XXXX account. 



XX/XX/XXXX I called into XXXX XXXX to follow up on my missing certificate. A different customer representation reopened my case ( Case # XXXX ) and told me I have to wait for someone to resolve the case. Meanwhile I can not use the cert still since it is missing from my account. 

How I would like the matter to be resolved : There are two options for American Express to go from here : 1 - Please refund my {$450.00} fee that was charged on my American Express XXXX XXXX XXXX credit card on XX/XX/XXXX as the promised free night award certificate is not available for me to use 2 - Please reinstate the free night award certificate in my XXXX XXXX account with the one year extension promised by the customer representative. I had gone on trips while the certificate was missing and I had to pay out of pocket for my hotel stays as I was prevented from using the certificate as it was not available to me. I would like to have the one year extension as promised to be made whole since the certificate was unjustifiably deleted from my account.