davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I am writing a formal complaint that citizen one auto finance has placed a charge off XXXX consumer credit report. I am disputing any and all debt to them and also revoking my rights of communication with them to me through email text and calls. I am also requesting debt validation and the original purchase agreement between them and the original creditors also, I am requesting that they furnished proof that they are licensed and bonded, I am disputing this because they failed to provide validation information under 12 CFR 1006.3 4B5 but yet placed the collection on my consumer report. They also didnt give me a chance to dispute this account according to 12 CFR 1006.3 4C4 this collection agency is violating my rights by using false, misleading misrepresentation, and deceptive means. Also, this collection is or creditor has no authority to furnish any account to market consumer report without provide any and all disclosures required by law and they are under Clear violations according to 12 CFR one 006.3 4D and 15 USC 1681S27A also Any further communication is a violation under the FDCPA violation 15 USC 1692K
Consumer complaint received 2024-02-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

I cosigned for a vehicle for my ex husband and he let the car get repossessed, ive tried to contact the company at XXXX point in time in 2023 XXXX and get this resolved and removed off my credit file, the agent i spoke to said if i made a payment they would send the deletion letter thru email within a few hours and i made the payment of {$250.00} and all they did was show a payment made they never removed it from my credit file. when i tried again to reach out to them about it they stated i was fully responsible since i did make a payment. Its not my vehicle it was my exhusbands.
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titan Solutions Group LLC (AL)

-The alleged Creditor failed to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications were sent via mail to the alleged creditor 's address. I sent the alleged creditor a " Cease and Desist '' notice to stop all collections and reporting until the alleged creditor can verify and bring forth the " original contract '' and respond to stipulations in my " affidavit to perform upon debt validation letter ''. After giving the alleged creditor 30 days to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications via mail, I have not received a response and have just been ignored. The alleged creditor after the fact there is a " Cease and Desist '' in place is still reporting derogatory information to the credit bureaus that's hurting my credit profile. Now I'm here to report Identity theft due to no response and have just been disrespectfully ignored.
Consumer complaint received 2024-05-06
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. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-02-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: AMERICAN EXPRESS COMPANY (MD)

Had an 18 month CD with American Express Savings Bank at a prevailing interest rate. 

Received a letter by mail notifying me that the CD had been automatically renewed on XXXX XXXX XXXX with the following terms of 1.0 %, well below market rates. Market rates are presently in the 5 % range for 18 month CDs. The letter was dated XX/XX/XXXX and arrived in my mailbox XX/XX/XXXX. I immediately called American Express and was told the grace period had expired and was unable to withdrawl without penalty. Even after spending the next two weeks ( with three additional phone calls and faxed form ) my money was still in the CD. Finally, with penalty, it was closed.

First, i have never had a CD automatically renewed at such a below market rate. To me that is a scam to enroll people into below market rates Second, to receive notification after the grace period is ridiculous and i should have been able to close the CD without penalty. 

I find American Express Bank to being engaged in deceptive and irresponsible practices. 

I have closed all my accounts and will never do business with them again, and feel i should be reimbursed the penalty of closing an account that was financially abusive.
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Center, LLC (CT)

I have repeatedly my registered mail requested debt verification from this company " Credit center , llc ''. They have never responded to me and I have followed up informing them that they in fact failed to respond and again received no response. I have US Postal receipts that all communications were received by them and I have never received anything in return either verifying the debt or explaining why they have failed to. 

original request for debt validation signed for by credit center Inc XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond notice Signed for by credit center Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Most recent XXXX XXXXo respond notice sent XX/XX/XXXX
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America Credit Card with a credit limit of more than {$60000.00}, but for more than XXXX, or perhaps even XXXX years, I repeatedly received promotional offers in the mail for Cash Advances. I called BoA numerous times, and they agreed to stop mailing me the Cash Advance promotion offers. They ceased mailing them for about XXXX or XXXX years, but then resumed sending them afterward. Left with no other option, I closed my previous credit card with a credit limit of more than {$60000.00}. Unfortunately, over the last XXXX years, they started sending me promotional offers again, this time for Bank of America Visa credit card applications. I have officially opted out of receiving any promotional offers from any credit card company. BoA 's behavior is unprofessional and potentially illegal.
Consumer complaint received 2024-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I put in a previous complaint regarding a disputed charge on my Capital One credit card. I noticed an unauthorized charge and was later credited for the amount, however I havent been able to get clear information on the process of the dispute going forward and the likely outcome, as this is my first time ever opening one. I need to ensure the final result is in my favor since I did not make this transaction. 

Capital One responded to my previous complaint requesting verification information in order to look into the issue. Ive already spoke with a supervisor and confirmed this situation and myself via phone. I need a thorough response provided via CFPB from the company in writing as it seems theyre dancing around a resolution.
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

The guy that called pretended to be some type of law enforcement and tried to scare me into paying a debt that he couldnt give me detailed information on. He couldnt give me a source of where the debt originally came from and just kept saying credit card then continued to say would you like to make a payment today or you could face jail time, wage garnishment, or even lose your house. I dont understand how a credit collector can threaten people like that! I am a single mother, I lost my job when Covid hit and I have a sick child that requires me to be home with him a lot so its impossible for me to work right now. The last thing I need is a credit collection bully calling multiple time per week threatening me. Note : I am also registered on the do not call registry
Consumer complaint received 2024-02-15
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: CITIBANK, N.A. (WA)

Urgent Assistance Needed Regarding Fraudulent Charge on Citi DoubleCash Credit Card Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a concerning matter regarding my Citi DoubleCash credit card account. 

On XX/XX/2023, I noticed a fraudulent charge of {$600.00} on my account attributed to a purchase from XXXX ( XXXX CA ). Immediately recognizing this as unauthorized, I promptly contacted your customer service team to report the issue and filed a fraud claim. 

Regrettably, despite my efforts, the initial claim was denied on the grounds that I had made a previous purchase from XXXX. However, I wish to emphasize that this particular charge of {$600.00} was not initiated by me. Despite reaching out to XXXX directly, they were unable to provide any information regarding the transaction and directed me back to Citi to address the matter. 

Following Citi 's guidance, I subsequently reopened the claim, this time categorizing it as a Canceled Service claim on XX/XX/XXXX. However, to my dismay, I recently received notification on XX/XX/XXXX that this claim has also been denied. The frustration mounts as both Citi and XXXX seem unable to provide clarity or resolution regarding this fraudulent charge. 

I find myself trapped in a cycle of communication between your institution and the merchant, without any meaningful progress toward resolution. Despite XXXX acknowledging the fraudulent nature of the charge, Citi has insisted on holding me accountable for the full amount. 

I implore your urgent assistance in thoroughly investigating this matter and facilitating a prompt resolution. It is evident that neither party involved has been able to substantiate the legitimacy of this charge, leaving me unfairly burdened with its consequences. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution. 

Warm regards, XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

This debt was in XXXX. I had paid everything to the apartment complex " XXXX XXXX '' after breaking my lease due to shootings. Staff confirmed I had no debt and that anything extra would be waived. Debt got sent to Genesis in XXXX. I asked for an itemized list of damages and they sent a copy of my lease agreement and a form that had rent for one day and general damages. Nothing listed what that was especially when I had paid a deposit that I never received from the complex and nothing specifically damaged. I have pictures of when I moved in and moved out. They have been calling day and night and I have not returned calls as it would reset time for debt. This is currently XXXX XXXX XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-02-15
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 (MO)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right 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 under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Camelot Financial Services, Inc. (OK)

I believe my first missed payment was XX/XX/XXXX XXXX let them know that I was no longer working and that I was expecting a settlement and that when I go my settlement I would pay them their money. And XXXX of the thing they told me was if I had any problem that they would work with me. Which turned out to be a lie they keep calling me texting me sending me letters.Today I told them this again XX/XX/XXXX XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (IL)

I applied for a credit card via an purchase at XXXX. TD Retail card services, I was approved after my credit check score XXXX, I did not go with TD as for this purchase I thought the rate was high and instead used a different card ( note you do not see the rate until after approval with TD ) a week later I get a letter from TD retail card services that stated credit is denied due to previously applied for credit in last 90 days I have never applied for credit with TD retail card services before. I called the telephone number XXXX, in which there was no direct help listed via the prompts for issues with approval or process... i did speak to a rep whom said they do this a lot when a customer does not purchase with their marketing partner. there is no disclaimer at samsung.com or when TD approved me at XXXX XXXX I feel that the excuse given by TD retail card services is improper. I have no doubt if I would have used TD retail card services at check out with XXXX XXXX there would not be a denial letter but a cr4edit card issued with high amount of interest, with XXXX charge amount. NOTE I was only given last XXXX of the credit card approved number XXXX
Consumer complaint received 2023-09-25
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: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union threatened and then damaged my credit reports with reports of late payment history and derogatory remarks stating that the account was 150+ days delinquent and is reporting a inaccurate date of first delinquency stating, " they have forgiven the original first date of delinquency, and will not correct my credit report with the accurate information disputed due to debt forgiveness for that date of first delinquency. '' I have tried to correct the date of the first delinquent payment only to have them report an inaccurate date of first delinquency every time I dispute. The information they provide is wrong, yet it still reported as accurate by the creditor when disputing through the credit bureaus websites. Requesting immediate and permanent removal of Navy Federal Credit Union 's Reporting file ( s ) from my credit reports for knowingly reporting inaccurate date of first delinquency. They have reported this for the last six and a half years and should be sued for monetary gain for misinforming the credit bureaus the way they did for the last 6 1/2 years.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-01-28
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: EQUIFAX, INC. (GA)

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.

Account name : 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 an 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 2024-05-06
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)

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 2024-06-17
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)

Since XX/XX/XXXX, my wife and I have discovered several accounts on our credit reports that do not belong to us. Neither of us opened these accounts, indicating that we have been victims of identity theft. In XX/XX/XXXX, we each began disputing these fraudulent accounts with the credit bureaus. Despite our efforts, the accounts remained. On XX/XX/XXXX, we filed an identity theft police report. A few weeks later, we received the report and continued disputing the accounts with the credit bureaus. Unfortunately, despite having the police report, TRANSUNION still refuse to remove the fraudulent accounts. I am now reaching out to the CFPB because I do not understand how TransUnion still refuse to remove these fraudulent accounts. I urgently need these accounts removed from my report as I am not the debtor but a victim of identity theft. I am attaching a partial credit report that includes the account I never opened, along with the FTC Identity Theft Report and police report.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.