davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premier Auto Credit (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX To Whom It May Concern, This letter is in response to notices from your company and concerns raised by your erroneous reporting to the credit bureaus, negatively impacting my credit report. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, I dispute your claim, and I am seeking validation, not verification. 
I am not requesting proof of my mailing address but competent evidence of any legal obligation to pay you. Please provide : Details of the debt, specifying the amount owed. 
Explanation and breakdown of how the claimed amount was calculated. 
Copies of any agreements demonstrating my commitment to pay. 
Verification or a copy of any applicable judgment.

Identification of the original creditor. 
Confirmation that the statute of limitations has not expired. 
Proof of your license to collect in my state. 
Your license numbers and registered agent or agent of service. 
If your offices have reported validated information to any major credit bureaus ( XXXX, XXXX, or XXXX ), any negative mark found may result in legal action, including but not limited to violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and defamation of character. 
I request a minimum of 30 days to investigate the provided information. During this validation period, all collection activities must cease. 
Any detrimental action to my credit reports may result in legal action. 
If your company fails to respond to this validation request within 30 days, I demand the deletion of all references to this account from my credit report. A copy of this deletion should be sent to all three major credit bureaus immediately. 
I also request no telephone contact at my home or place of employment. Any attempts, including computer-generated calls or correspondence to third parties, will be considered harassment, leading to legal action. Future communications must be in writing and sent via USPS to the address in this letter. 
Ensure your records are accurate before legal action becomes necessary. This letter aims to correct records for the purpose of validation. 
Best regards, XXXX XXXX
Consumer complaint received 2024-06-04
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. (NY)

XXXX, XXXX - I bid on liquidation.com for unopened returned and unclaimed packages. 
XX/XX/year> - found numerous unresolved customer complaints online about liquidation.com delivering products less than advertised weight, and packages not meeting the threshold of unopened, returned, and unclaimed. 
XX/XX/year> - Called merchant to discuss my findings, and to seek guarantees, but they were closed for the weekend XX/XX/year> - Called XXXX and opened a dispute to the transaction, and added a block to my credit card XX/XX/year> - emailed the merchant with my concerns XX/XX/year> - called the merchant to attempt to attempt a resolution XX/XX/year> - Delivery attempted by the merchant, but I refused delivery, because I was not convinced that the products that were being delivered would match the merchants claim. Also, because i opened a dispute my expectation was that XXXX  would have intervened to ensure the merchant reach out to me to attempt to address my concerns. 

Subsequently, XXXX closed the dispute, overrode my credit card block, and charging my account without reaching out to me for any clarification, nor directing the merchant to reach out to me to address my concerns. XXXX  played judge and jury by allowing the merchant to keep the products, and then charging me for the products- a big win for merchant and XXXX. 

I complained to XXXX about the manner in which they handled the dispute, and they reopened it only to close it and rebill me.

1. I concede I should have researched liquidation.com before bidding on the site. Notwithstanding this Liquidation.com had enough time to respond to my valid concerns. 
2. Liquidation.com has had ample complaints and accusations of deceptive and fraudulent business practices that they should not be allowed to hide behind an " As Is '' claim. 

3. XXXX banks sham dispute resolution process in this instance was unfair and unjust as they did not ensure that the merchant reach out to me to address my concerns prior to closing the dispute. 
4. XXXX  reopened the dispute due to my complaint of unfairness and asked me to submit supporting documentation but still did not ensure that I had an opportunity to get the products or a negotiated resolution from the merchant. 
5. In the end only XXXX  and the merchant benefitted from this transaction as I have no products and no answers to my valid concerns.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (OH)

Re : XXXX XXXX XXXX To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (KS)

There was not an answer that correctly fit what this company is trying to do. LVNV funding and/or XXXX XXXX XXXX has entered a petition into XXXX XXXX , Kansas court seeking to collect on a debt that is past the statue of limitations in the state of Kansas as well as the state of Illinois. I am denying this debt as to the fact that it is out of the statue of limitations to collect debt on a credit card.
Consumer complaint received 2024-02-18
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Tally Technologies (TN)

I opened an account with Tally debt consolidation company XX/XX/XXXX, and the agreement is that they offer you a loan ( Mine was {$10000.00} ) to put towards your selected credit cards, and then they make payments on your behalf with the loan, to said credit cards. In XX/XX/XXXX, the company sent out a notification that they lost investors and could no longer make payments to the credit companies, but they still want payments toward your loan. This of course makes perfect sense, due to the fact the loan was taken out with them. However, they're not willing to make that much compromise on minimum payments, even though they are in breach of their initial contract. They have sent out multiple emails stating that they can help with your financial situation, if you just contact them about financial difficulties. There has been communication about this and has been expressed that the burden to pay their minimum payments, as well as the credit payments to the accounts under the original agreement is very difficult. The minimum payments they require are outrageous as during this time, the interest that they have added is insane, and in XXXX they did not even allow payments to them on their app, which of course made the interest/minimum payment even higher.

What makes this completely illegal is the fact that on your account with them, it still states that your cards are being paid, which they are not, and they are still advertising on their website under the original terms. Their still advertising that they have several investors in their company, still advertising that you can obtain a loan and that your cards will be paid. I wanted to know if the service was still available as such, and I was able to create a new account, again with all of the same terms as promised. I did not complete the process, as I was just trying to see if the company was going to move forward, and they did, under the exact same terms.

I don't see how it's legal for them to submit statements to current accountholders with bogus claims, and then move forward with new accountholders, promising the same debt relief.

Account representatives have stated that if you don't make the minimum payment that they have stated, that the account will be charged off and will have a negative impact on your credit report for XXXX  years. I understand that this is debt that must be repaid, however, I don't see how they can still operate under false pretenses and ruin my credit when they did not fulfill their terms under the original contract. I have not moved forward in resolving a minimum payment plan, nor have I spoken to anyone within the company that I suspect fraudulent activity. I am not trying to get out of paying this debt, I just want them to uphold their original agreement as stated, as they clearly are making false statements to their clients to get out of their own obligation.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I Filed a claim with my bank Wells Fargo because while I was traveling to XXXX, XXXX I tried to use an atm machine at the XXXX XXXX XXXX for {$140.00} XXXX dollars. When I tried to make this withdraw it did not go through and it said the transaction was canceled. I did not try again and left the machine after no money came out. Once I saw the money was taken out I filed the claim with my bank and they gave me a temporary credit for about 3 months but they took the money out again. I called customer service the lady was very rude when I asked her if there was anything I could do or if there was anyone else I could speak too since I was supposed to be traveling that day and now my account was overdrawn with no warning of them taking the credit back. I had to rebook my flight due to them taking my money. I have been with wellsfargo since I was XXXX and I am now almost XXXX and I don't appreciate this type of customer service. They gave me no warning what so ever that they would be taking the credit back when they did.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2024-06-04
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: AMERICAN EXPRESS COMPANY (DC)

I am filing a complaint regarding a transaction with XXXX. On XX/XX/XXXX, I was charged {$100.00} by XXXX for a service I was unable to use due to significant digital accessibility barriers. As a legally XXXX user, their website was not accessible with screen reading software, preventing me from making necessary changes or canceling my booking. 

On XX/XX/XXXX, I disputed this charge through XXXX with American Express but received no response. I followed up via chat on XX/XX/XXXX and explained the situation again, including the inaccessibility issues and my inability to resolve the matter directly with Kiwi.com by phone or online. 

Despite this, American Express initially withheld the charge but later rebilled me on XX/XX/XXXX. I uploaded a document explaining the situation, but American Express still favored the merchant, XXXX. My attempts to address this directly with both the merchant and American Express have been unsuccessful. I am seeking assistance in resolving this matter.
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-08-28
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)

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX WITH THE ACCOUNT NUMBER # XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. ALSO, 2019 WAS A XXXX YEAR AND COMPANIES DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE STATEMENTS TO CREDIT BUREOU. 

PLEASE REMOVE THAT ONE TIME MISSED PAYMENT FROM MY CREDIT CARD HISTORY AND REPORT IT AS PAID ON TIME TO CREDIT BUREU.
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I made a payment to pay off my student loan balance of {$2700.00} to Nelnet on XX/XX/XXXX. I received a confirmation email and checked my XXXX XXXX XXXX account online to ensure that the payment was linked to my bank account and to confirm that I had sufficient funds. 

On XX/XX/XXXX, I got a notice in the mail saying my payment did not go through and to reach out to my bank if I had questions about the failed transaction. I called my banks customer support to ask if they canceled my payment, they didnt see a cancellation on their end or any reason why my payment wouldnt have gone through. and I would have to talk to Nelnet about the situation. 

XX/XX/XXXX, I emailed Nelnet explaining my exchange with the bank and asked if they were the ones to cancel the payment and why? My student loan accrues interest daily, and I expected to be able to pay the final {$2700.00} of my debt and not a XXXX more. 

XX/XX/XXXX, Nelnet customer solutions emails me and says the payment was returned because they couldn't locate my account, yet I received a confirmation email from Nelnet on the payment date of XX/XX/XXXX, listing the same routing and debit account numbers that I've previously used for successful payments. Nelnet 's representative continues to tell me to reach out to my bank if I have any more questions with the cancellation. 

I replied back on the same day with a screenshot of a second chat conversation I had with my bank about the missing payment and they explained if they canceled the payment it would be noted in my account history. I further explained in my email that I made the payment out of good faith to pay off my debts and expect to be able to pay the exact amount of {$2700.00} without the extra interest the loan accrues daily. 

As of XX/XX/XXXX, Nelnet has not gotten back to me and my loan grows more by the day
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My wallet was stolen this afternoon at XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX, with driver 's license, social security card, bank debit card, and credit card. Fraud purchase was made at XXXX XXXX store. on XX/XX/year>. between XXXX XXXX XXXX XXXX. I called bank XXXX and Chase credit card company to report card lost and stolen. Police report was filed at the XXXX police department. case # XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Subject : Cease and Desist Letter Regarding Unauthorized Credit Reporting Violation of FCRA and New Jersey Identity Theft Laws Dear PENTAGON FCU, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft laws, particularly New Jersey Statutes Title 2C:21-17. 

It has come to my attention that PENTAGON FCU has engaged in unauthorized reporting to my credit report without first obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Moreover, New Jersey state law, specifically New Jersey Statutes Title 2C:21-17, underscores the severity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud.

I wish to assert unequivocally that I have not provided consent for PENTAGON FCU to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a disregard for federal and state laws.

I demand that PENTAGON FCU immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey identity theft laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including New Jersey identity theft laws.

It is imperative to understand that obtaining consent is not optional but a legal obligation under the FCRA and New Jersey identity theft laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and detrimental credit reporting practices.

I expect your immediate attention to this matter and anticipate that PENTAGON FCU will promptly rectify these violations, demonstrating respect for my rights under federal and state laws.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-12
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)

I am writing to formally dispute the late payments appearing on my credit report. These late payments are listed under accounts that are not mine, and I request a thorough investigation into this matter. 
Details of the disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CA)

On XX/XX/year>, I spoke with the XXXX of PNC Bank ( XXXX XXXX ) for over an XXXX. She stated that they were closing my account. However, they were temporarily opening it to allow me to get my money. I never received any notification about my account closing and was never notified at the bank on several visits and calls. I mentioned to XXXX XXXX that I was XXXX, needed to get my medications, having a hardship, and urgently needed my money. She said that I could go to the bank and get what was available. I get to the bank and there are saying that the account was closed and they were trying to reach someone with no luck. I was very frustrated, angry, but still calm. As I sitting there calmly waiting, the police comes and ask me whats going on. Im in a XXXX XXXX XXXX because they had me under the impression that they were trying to contact someone. I was trying to get my money and leave. I was shocked that they would do that without it even being necessary. It wasnt even that serious or called for. I dont know why they wouldnt make it easy, so I could be in and out. This wouldve avoided any problems because at the end of the day, I just want my money. This is sad for a bank to treat customers like this and not not make sure that it was a easy transaction so I could be in and out. If something happens to my health, PNC will be responsible and for my late fees that I may occur. All l want is my money and to allow me time for my credits to come through my accounts.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB For approximately 4 months now, I have been sending notifications to the credit bureaus so that they comply with the law and report the accounts correctly. What has been my surprise when I notice that I have been totally ignored in this process in which I find myself. Reading on the internet I realized that my rights were being violated, that's why I came to you so that you can help me with this problem that affects my life. 

Thank you, I hope you can help me
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX Capital One card. 
My balance is mostly under special promotions with no interest for 6 months. 
I called to have a payment be allocated to cover a {$79.00}. non promo standard rate. They stated they could not apply payments to a specific balance and read to me exactly what was on my statement. 
Credit Card Act of XXXX????