davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CO)

According to an email communication dated XX/XX/2022, which I have attached as evidence, XXXX confirmed that my account balance was {$0.00}. This email clearly indicates that I owe no outstanding debt to XXXX. 

However, to my surprise, I recently discovered that Jefferson Capital Systems has reported this debt on my credit report, despite the balance being {$0.00}. This action by Jefferson Capital Systems has negatively impacted my creditworthiness and is causing significant distress. 

Attempts to Resolve the Issue : In an effort to rectify this matter, I have made numerous attempts to contact Jefferson Capital Systems regarding their erroneous debt collection efforts. I sent the aforementioned email communication, both via email and mail, to their listed contact addresses. Unfortunately, I have not received any response from them, nor have they acknowledged the evidence provided. 

Request for Intervention : I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I believe that Jefferson Capital Systems ' actions are unjust and in violation of my rights as a consumer. Specifically, I would like the following actions to be taken : Investigation : Conduct a thorough investigation into Jefferson Capital Systems ' debt collection practices to determine whether they have violated any consumer protection laws. 
Removal from Credit Report : Request that Jefferson Capital Systems immediately remove this erroneous debt from my credit report, as it is impacting my creditworthiness and causing undue harm. 
Communication : Direct Jefferson Capital Systems to promptly respond to my communications and provide a clear and satisfactory resolution to this matter. 

I greatly appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your assistance in addressing this complaint.
Consumer complaint received 2024-01-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Per the FCRA XXXX federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per USC 15 6802.

This car was charged off, so the company is fraudulently reporting inaccurate information and selling my information. 
Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

This is another case, a follow up for case : XXXX. 

Comenity Capital Bank responded with : " Your account was previously enrolled in automatic payments with XXXX, via the Customer Portal ( CP ) on XXXX, XXXX, 2022. The payments were initially set up for a fixed payment amount of {$150.00}, later that same day the amount was updated via the CP for the minimum payment due. ' I never updated that amount later to minimum payment, why would I even do this??? There is also no confirmation anywhere that I changed it to minimum payment after I initially set it to {$150.00} ( there was an email confirmation when I set it to {$150.00} ). This company changed it behind my back or their system somehow failed, but I never changed it back by myself, I never even got a confirmation that it was changed to minimum payment- I would at least see that it has changed and would change it back to {$150.00} or at least reach out to DELL. This bank is lying, so they can collect interest, which I do not owe them. This is unfair and disgusting and it seems like you do not even read their responses or you are ok with fraudulent banks. 

I am attaching a screenshot of the email I received when I changed the payment to {$150.00}. There is no such email with another later change to minimum as this bank claims.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I filed a complaint on XX/XX/XXXX regarding inaccurate information about the same credit account from XXXX XXXX XXXX XXXX. I also sent in evidence proving that the late payment listed for XX/XX/XXXX was false. I received a response from XXXX Regarding that matter and I was told that their investigations department found the information to be accurate despite receiving bank statements showing payments. On XX/XX/XXXX I received an alert from XXXX regarding inaccurate and duplicate information reporting on my account from XXXX XXXX XXXX XXXX. 2 days later I called their department, the agent said that it will take 30 days to review the information. on friday XX/XX/XXXX, I received an alert via email that my Dispute had been Complete. I opened the credit file and the account and inaccurate information is still reporting with a comment stating that the information listed meets requirements of the fair credit reporting act ( Which Is False ). Ive Also Sent Disputes Regarding a Capital One Account That Was Opened In XX/XX/XXXX, I Received Letters From Capital One Providing No Evidence Supporting their Claims Reported on my Credit Report In response to my request for information and dispute for deletion sent XX/XX/XXXX. Upon My Own Investigation, I've Viewed All XXXX of My credit reports and have found that the information across all XXXX of my credit reports is Inaccurate. Due to XXXXXXXX XXXX  Continued Negligence, I DEMAND that All Inaccurate information of any type is updated and or REMOVED from my credit report based on the information ive provided IMMEDIATELY. Failing to do so will result in my measures to take the Appropriate Legal Action.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. (FL)

I opened a business checking account with relay financial they made me jump through all these hoops and loops and did this extensive verification with lots of extra steps just to open account in XXXX of XXXX finally once opened I deposited {$100.00} and tried using debit card for months I couldnt use the account kept calling customer service getting the run around then on XX/XX/XXXX they sent me a email saying they are closing my account for no reason and sending me a check on XX/XX/XXXX its XX/XX/XXXX and no check received no response from customer service and the {$100.00} still sitting in account refusing to send it back and account locked I deposited a legit check for XXXX $ they played games for 10 days then accused me of altering the check this bank is garbage and a bunch of crooks nothing but excuses and stories delaying me and hindering my business
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

( The exact dates are little loose because it was a few months ago and Coinbase did not document much of it in emails to me as they usually do for something reason. ) On XX/XX/23 I made a large Bitcoin purchase through Coinbase. Coinbase allowed this charge through and took a {$270.00} fee. It was during a lot of price action with the asset. It was clear that there may be up to a 3 day hold on the funds, but may even be available before that. When I tried to access my funds I was told that it was still subject to review for up to a week. 

After the week I still could not access my funds. I purchased them with the explicit intent to trade the funds during all of the ample price action. After finding I still did not have access to the coins I contacted Coinbase again and inquired. I was then told that they were subject to an extraordinary hold for review and that there's nothing else they could tell me about it. The funds would be available in 3 weeks. 

Upon contacting customer service again and kindly exhausting any options I could possibly have with the representative, I was placed on hold and then told that they " reviewed your account and determined that you are not eligible to use the Coinbase platform '' they could not give me any information as to why. 

Worst yet I was ONLY allowed to sell the coins through the platform and transfer the money off, I could not just move the coins and move on from the platform. The price had fallen 15 % in that time and I was forced to sell at a loss. 

Not only was I forced to sell at a loss for no explanation, but they charged me ~ {$300.00} both on the purchase and on the sale. 

I had absolutely no reason to expect there would be any issue making this purchase as I had been a happy, faithful customer for 12 years. Now they caused me to lose over {$1000.00} in losses on the asset, ~ {$1000.00} in the loan I took out to take advantage of the opportunity in the first place which turned into an absolute loss instead, and then on top of that they charged me {$800.00} in fees for the service. 

At the VERY LEAST they should absolutely be required to refund me the transaction fees which they did not honor in any way. They charged {$400.00} to sell me coins they chose to not let me use, then FORCED me to sell it through their service as my only option for another {$400.00} with no explanation whatsoever after no contentions with the company for over a decade. 

All in all it came to roughly {$3000.00} for things completely out of my hands, entirely at their discretion, where they will disclose nothing about what happened and got to just force this on me behind closed doors. Let alone the opportunity cost of getting the asset at such an opportune time and being able to trade it as planned.
Consumer complaint received 2023-07-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

I called one financial asking why the balance of my loan not getting lower after making payments. I made 12 payments and so I called ( Onemain Financial XXXX XXXX XXXX location ) bout it onXX/XX/2023 the lady on the phone says it must be a glitch that I am half way paid off. 

I called again on XX/XX/ asking Onemain Financial bout my balance and why did my loan balance go up. The lady on the phone says she'll looked into it and call me back in a few days that I never received any call since then. I called left several messages nothing. 

I called from a different line a lady answered and when I gave her my information the line got disconnected. I called and called left message and never got a hold of anyone after that. 

I went to the branch and the sign says closed. The lights are off.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX  XXXX   XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

I XXXX XXXX do not owe this company any money. I understand this company is a debt buyer. But I request this company to ceast and desist and I want this company to delete this account off my credit report. I want this delete ASAP
Consumer complaint received 2024-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

Best Buy/ CitiBank XXXX purchased a home theater system from Best Buy with a Citbank/Bestbuy card . When they came to my home to install the equipment there were items that were broken. They said they would replace them and they didn't so I asked them to come pick up the equipment. They picked up everything and I owed nothing nor did I purchase anything else with this card. I've disputed this several times and they keep passing this issue off to everyone else. I've went to the place I purchased this system and they said they can't do anything to help with the situation. I contacted the Law office they deferred it to and explained the situation. That was over a year ago and they still didn't report it correctly nor can I get anyone to respond to when I call. I don't owe this debt and it's affecting my livelihood. I'm a XXXX XXXX XXXX XXXX XXXX with a fixed income. This account reporting on my credit report is damaging to the things that I'm trying to accomplish
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 EXPERIAN BUSINESS CRED XXXX
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My loan is with Navient, and my payments were {$31.00} a month for a year, I resubmitted my " Income driven repayment '' application and they told me that it would take up to 15 days to recalculate my payment. Well the next month ( XX/XX/XXXX ) {$210.00} was taken out of my bank account. I contacted them on XX/XX/2017 and was told that they would refund my money. Three phone calls later and it is now XX/XX/2017 and my money still has not been refunded. I know that I am not the first person that this has happened to, and being that I 'm not wealthy, I need my money to buy groceries, gas, bills, etc.. Navient needs to find a way to get refunds back faster to their customers. It was taken out of my bank account, but they say their mailing me a check? Why? I did n't pay by check, and it takes 2-3 weeks for processing. Also, when they determine the amount you are due to pay, they go off of your Net pay, instead of Gross pay. Do they not know that we have taxes, SS, retirement, insurance, ect.. taken out of the Net pay? I really want to pay off what I owe, but I will not go broke for them, and my balance is the same now as it was in the beginning. This loan repayment system ( Navient ) is feeling more like a scam.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This past XX/XX/XXXX I had XXXX accounts from XXXX and they were removed from my credit report. As I was looking at my credit report I noticed that when the accounts were removed from all XXXX bureaus and my credit score was only updated from XXXX and XXXX not with TransUnion. When I contacted TransUnion on XX/XX/XXXX, to find out why my credit score had not been updated due to the changes in my credit report all they could tell me is that they do n't know? I know TransUnion has been in the news for doing for not reporting accurate information on people 's credit report and now I 'm going through this. Attached is a case I won and the lawyers submitted this to the credit bureaus but for some odd reason TransUnion fails to update my credit information in regards to that case. Could you please look into this and find out why have n't they updated my credit score do to the changes with the deletion of XXXX accounts from XXXX so my credit score should reflect the changes the other credit bureaus did not sure why TransUnion is giving consumers problems. All I want is my credit score with TransUnion to reflect the changes of the XXXX accounts being removed and they have n't.
Consumer complaint received 2023-11-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Harris & Harris, Ltd. (AK)

XX/XX/23 call at XXXX XX/XX/23 call and voice-mail at XXXX XX/XX/23 call at XXXX XX/XX/23 call and voice-mail at XXXX XX/XX/23 call at XXXX
Consumer complaint received 2024-01-06
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)

As the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Supporting this is 5 U.S. Code 552a " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Equifax violates of - 15 U.S. Code 1681b " Equifax would need my written consent to add anything to my consumer report which I did not give.

- 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) " Reporting Transaction history is illegal.

Under 15 U.S. Code 1681c " No adverse items besides the conviction of crimes should be on a consumer report.

- 15 U.S. Code 1681s2 " Equifax has been put on notice of the inaccurate information and must immediately stop reporting that information.

Under 15 U.S. Code 1681n Equifax is liable for {$1000.00} per violation for noncompliance. ( There have been 71 violations counted. ) Per the FCRA as a federally protected consumer. I am now Opting Out of any authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, Good day i just want to start off with transunion credit reporting agency. 
as I follow my statistics on my report, when I have a balance on a account my score drops XXXX t0 XXXX points, and when paid it only goes up a few points Problem >?? 

The same goes on with a credit check on adverse action from a company XXXX XXXX XXXX XXXX  statingunsecured debt ratio too high value of collateral too high, unsecured debt too high a little discrimination I fell here. I have no adverse accounts. Thank You XXXX XXXX
Consumer complaint received 2022-12-19
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. (MS)

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 1692 Account name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX ID : XXXX has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Also your company only has a license to collect debt in 11 states. Those states are : Connecticut, Idaho, XXXX, Maryland, Massachusetts, XXXX, New Mexico, North Dakota XXXX Oregon XXXX Rhode Island XXXX Wyoming XXXX Which is verified on https : XXXX. 

Remove this account immediately!! 

Sincerely, XXXX XXXX