davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (IL)

Despite my previous attempts to rectify this matter, the fraudulent entries remain unresolved, and I am deeply concerned about the impact they are having on my financial standing. It is disheartening to see that these fraudulent items continue to negatively impact my credit report, despite my continued efforts to have them removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (CA)

I asked Target for help on XX/XX/XXXX. My bill was a little over {$4500.00}. 
This card has been closed since XX/XX/year> when i found fraudulent activity and reported it. My balance after a payment of {$190.00} in XXXX was {$4700.00}. 
I endured months of asking CFPB to help me with Target who claimed i had returned payments on my account and made charges that were not mine. 
My balance even though i paid never went back to what it should be at {$4700.00}. 
I spent 9 months still paying to this account $ XXXX with over now {$1500.00} in interests fees. 
I pay and the balance goes up. 

On XX/XX/XXXX after finding out my home 's owner wanted me, my senior parents and daughter to move out so she could sell i calked credit cards to ask for help. All i have is my credit score.

When i called Target the representative said other credit cards can help but that doesn't mean they should. 
Today XX/XX/XXXX i called back to see if they would help after i contacted CFPB to help on my behalf. They only increased my payment and when i asked for help there was none. 
After much tears and defeat i borrowed from my retirement unwillingly and paid the over charged credit card balance. At least with my retirement i have less interest and 5 years. And way less stress and over charges. 
My balance last XX/XX/year> was XXXX. I paid every month on time more than the minimum ( $ XXXX ). When i needed help nothing could be done with added unkindness ). 
Please CFPB confirm with them my account is paid in full and closed and erase me from their database forever. 
I wish i had some help. 9 months of just taking my money. I have not used the card since XXXX to help my daughter with the dentist.
Consumer complaint received 2024-06-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frost-Arnett Company (TX)

I received a debt collection notice from Frost-Arnett Company in XX/XX/XXXX for a medical debt that I do not owe. I responded with a verification of debt letter. They responded without adequate validation of the debt and informed me that I still owed the debt. Upon investigation, I found that according to Tex. Fin. Code 392.402, any debt collection agency collecting in the State of Texas must have a valid surety bond filed with the Secretary of State. Two separate phone calls to the Statutory Documents Section of the Office of the Secretary of State confirmed that Frost-Arnett 's XXXX location ( from which they mailed the collection notice ) has not had a valid surety bond posted with the Secretary of State since XXXX. 

The Secretary of State 's office also confirmed on two separate phone calls that all debt collection agencies collecting debts in the State of Texas must have a surety bond posted FOR ALL LOCATIONS FROM WHICH THEY ARE COLLECTING. Since Frost-Arnett 's XXXX office does not have a valid surety bond with the Texas Secretary of State, they are illegally collecting debts in the State of Texas and in violation of 15 U.S. Code 1692e ( 1 ) and Tex. Fin. Code. 392.304 ( 9 ) by false representation or implication that they are bonded by the Texas Secretary of State. The Office of SOS encouraged me to file a complaint with the Texas Attorney General and the CFPB.
Consumer complaint received 2024-06-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My closed Lord & Taylor credit card account is now with Capital One. I have always paid more than the minimum every month and was never late. I called to ask for a one time credit courtesy for a late fee that was charged to the account in the amount of {$29.00} today Saturday XX/XX/2024. I made the payment one hour after the deadline time of XXXX on the due date of Friday XX/XX/2024. The Supervisor said she can not waive the late fee because the company policy does not permit any late fees to be waived. 
I think this is unfair because of me being a loyal customer of Capital One, who always make payments on time and was late by one hour should have this fee waived.
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (FL)

Someone Came To My Home Address Who Was Not Law Enforcement While I Was On Vacation & Handed This Paperwork To My Dad. I Am An Adult And This Is Very Intrusive For Someone Who Is Not A Sheriff To Give This To Someone Other Than Myself. This Is A Violation To My Privacy And No One Should Know All Of My Financial Information The Way This Was Given Away Without My Permission. They Also Did Not Tell Him Who They Were Or Why They Were Handing Him These Papers. Very Unprofessional.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (TX)

I contacted all XXXX credit bureaus and companies via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) requesting they provide verification and that I signed authorizing my personal information to be tarnished by them. I requested evidence of authorization in alleged matter, authorization of law for my collection matter, authorization of law for their collection in alleged debt in my state, provide evidence or proof of alleged debt, including my signature of contact with my signature, and provide complete history including any charges added for collection ctivity. They did not do any of the above.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. Thank you!
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

NOTE THE SCREENSHOT, THE CFPB KNOWS THAT XXXX HAS FAILED. THEY AUTO FORWARDED THE MESSAGE TO THE FDIC. THAT WON'T HELP AT ALL AND FUNDAMENTALLY " MISUNDERSTANDS '' THE NATURE OF THE COMPLAINT! THAT IS BANKRUPTCY FRAUD. THE CFPB IS COMMITING CRIMES ON BEHALF OF THIS FRAUD. 

XXXX XXXX has failed. I have documented them committing fraud at XXXX XXXX XXXX XXXX XXXX. using both apps XXXX months apart they made unauthorized transactions to my checking account. when I reported the fraud, they investigated it as identity theft both times despite my specific instructions not to. They then determined that identity theft did not occur. evolve bank has failed, i documented them committing fraud at blockfi, as well as at doge card. XXXX has failed. I have documented them committing fraud at XXXX XXXX XXXX XXXX XXXX has failed. They have purchased fraud from XXXX XXXX XXXXk which failed due to fraudulent derivative products. I am out of pocket BILLIONS of dollars, CASH. XXXX XXXX! they are all committing bankruptcy fraud. XXXX XXXX XXXX  are the criminals committing the fraud, they also have corrupt XXXX XXXX judges 100 % paid off. The XXXX XXXX are fraudulent. They " bought '' bitcoin otc from greyscale bankruptcy estates that were impacted by the same derivatives fraud that caused XXXX, and that is still ongoing. Essentially, they have purchased the praetorian guards with counterfeit money. By definition, rule of law is now over. This is a very dangerous situation. There are illegitimate people in chairs that wield the power of the state. STOP CONTACTING ME! I AM NOT MAKING ANY DEBT PAYMENTS PERIOD! LIQUIDATE CHASE NOW! ARREST THESE CRIMINAL BANKERS AND GOVERNMENT EMPLOYEES WHO ARE ENSLAVING AMERICAN CITIZENS. THIS CAN NOT, AND WILL NOT STAND! YOU WILL BE HELD ACCOUNTABLE. WE WANT BLOOD!
Consumer complaint received 2024-06-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NV)

XXXX XXXX account on XXXX file for collection is not mine account. This is a result of ID theft and a file number the FTC ID theft has been filed. FTC report number is XXXX.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Re : Dispute of Outdated Debt Account Number : [ XXXX ] To whom this may concern for Capital One I am writing to dispute an account listed on my credit report. This account, with the account number [ XXXX, is being reported incorrectly. 

According to the Fair Credit Reporting Act and the Tennessee statute of limitations Tennessee Code Annotated XXXX : Statute of Limitations on Debt, the time period for collecting this debt has expired. The account open date is [ XX/XX/year> ], which is beyond the 6-year statute of limitations for written contracts in Tennessee. 

I request that this debt be removed from my credit report immediately. Please conduct an investigation and inform me of your findings. Enclosed are copies of my credit report showing the account in question, along with documentation of the last activity date. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my car was broken into at the time i was XXXX  and still am.. my ID birth cirtificate social security debt card were stolen including much more. someone used my info at a bank and withdrew my money. XXXX bank of america has been refusing my claim within 10 hours everyday since XXXX XXXX they are making me feel like a criminal and are cause hardships in my life. im XXXX  hungry and cant work. 
unable to pay for medications. my life is ruined at this point all because bank of america ive sent police reports letters and identity theft paper work. and still an instant denial... please help me
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (NY)

I signed a car lease with my ex partner back in XXXX and we've been broken up since XX/XX/XXXX. We agreed on the payments and responsibility would be on them and not mine. I just found out last month that my credit score has been affected because my ex-partner wasn't been making any payments ; for the amount of XXXX and the remaining balance of XXXX. I've tried reaching out to them about the finance company wanting the payments and car back but she has ignored my messages and calls.
Consumer complaint received 2024-06-29
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: HYUNDAI CAPITAL AMERICA (GA)

XXXX XXXX XXXX XXXX XXXXA ; acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing error [ XXXX ] on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on XXXX XXXX, XXXX, & XXXX XXXX report : Credit report information to identify account status : XXXX XXXX XXXX XXXX XXXX ; acct # XXXX Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the conversations my insurance XXXX and auto loan agent refused to hold regarding my insurance XXXX at the time of the accident, that claim was reported totaled, ensured that a timely payment of loan amounts due would be included in insurance claim. Representatives from insurer was not precise and accurate with responsibility to maintain timely payments. This lack of communication resulted in the reporting of payments late, and subsequently charged off ; when the account should have been listed as, " XXXX ACCOUNT, '' after deferment contingencies were not offered, even after insurance XXXX submitted reports. 
- The report shows proof your company that have already been repaid. 
- The date of next reporting cycle on my report will reflect XXXX years from the time of initial defer request of totaled vehicle. 
- Since having this automobile disaster, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CT)

I purchased my XXXX Kia XXXX outright at the end of the lease in XX/XX/XXXX and since it was titled in KIA Motors name they cancelled the registration and I was charged for new registration as proof in car purchase terms. I received a bill from Kia in XX/XX/XXXX for taxes for XXXX  year and I paid with check XXXX XX/XX/XXXXXXXX  for {$630.00} ( proof of check and cashed by KM ) then I received a tax bill from XXXX XXXX indicating I owed taxes for XXXX and if not paid then registration would be canceled. I paid again to them directly with check XXXX. I was told Kia never paid taxes but due to vehicle being in their name I couldnt check. I have tried numerous times with Kia to resolve without anything. They keep telling me different ways to resolve - last time was proof I turned in plates but I kept the plates as was given option and still on vehicle - registration is in my names I have submitted proof of all cancelled checks and correspondence and letters which they have failed to refund for paying taxes twice for same year and same vehicle.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (MS)

I completed an application for a HELOC loan through XXXX XXXX and spoke with a rep name XXXX. He stated that I was approved and that they will need to get an appraisal of the property to determine the value. He he pull my credit and also stated that my score was a XXXX and if I could get a XXXX that they could provide a 80 % loan. 

XXXX called back the next week stating that he wasnt licensed for XXXX and he was going to get someone who was. 

Then I received a called from XXXX XXXX stating that he was a XXXX XXXX rep and was going to be taking care of the file. XXXX then pull my credit again ( twice in 1 week with the same company ) and said I was not approved do to low credit score. The inquiry states xactus-XXXX XXXX. I did not knowingly speak to anyone from XXXX XXXX  and did not authorize a 2nd credit pull from the same company in 1 week.

I received a letter in the mail stating that the reason for denial was because of insufficient collateral. This is not what was stated to me because no appraisal was performed to calculate the equity, which I have {$120000.00} of appraisal equity. 

Due to XXXX XXXX inaccuracy of performance of my file, please delete this inquiry. There were misleading and incorrect information giving to me from the reps such as credit being pulled twice in a week from the same company, and XXXX ( 2nd rep ) being a rocket mortgage agent and I was told that credit was being pulled 1 time only and the original representative was not licensed in my state to handle my file. 

Lastly, I received a letter from XXXX XXXX  then saying I was denied due to value or type of collateral not sufficient. Although, we never got to to the appraisal process to determine the value. 

Inquiries : Avantus LLCXXXXXXXX XXXX XXXXXX/XX/XXXX ( unauthorized credit pull from an unknown company ) This inquiry is for the same loan when my credit was pull on the XX/XX/XXXX. I did not apply with XXXXXXXX XXXX at any time. Please remove XXXX XXXX XXXX XX/XX/XXXX ( Please remove due the the representative XXXX not being licensed for my state to perform a mortgage ) They are responsible for my credit to be pulled twice in a one week time period.

Please remove I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provision
s of 15 USC section 1681j, there should be no charge for this notification.
Consumer complaint received 2024-06-27
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: JPMORGAN CHASE & CO. (OK)

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. 

The hard inquiries in question are as follows : XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TN)

I formally demanded the purchase agreement for an alleged debt that LVNV has reported to my credit report. The item in question pertains to an alleged debt ( account # 's XXXX, XXXX ) that LVNV claims to have the right to collect on. However, despite my repeated requests, the last being XXXX  via the CFPB portal, LVNV has failed to provide the necessary documentation, specifically the purchase agreement used to buy this debt that would substantiate their claim.