davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (TX)

PER FCRA, as a federally protected consumer, I am now opting out of any and all authorizations or consents to report that I, the consumer may have given you, written, non written, verbal or non verbal. PER 15 USC 6802 ( See attached opt out letter ) EFFECTIVE : IMMEDIATELY & INDEFINITELY. DATED BACK TO XX/XX/2023 PER PRIVACY ACT AND YOUR TERMS & CONDITIONS YOU HAVE VIOLATED MY NON PUBLIC IDENTIFIABLE INFORMATION AND I ASSERT MY RIGHTS AND DO NOT GIVE CONSENT FOR MY INFORMATION TO BE SHARED WITH ANY AFFILIATES OR THIRD PARTY AFFILIATES ie : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX etc...
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (GA)

I have retained new copies of my credit reports, and noticed that consumer portfolio services did not furnish the credit bureaus with the required disclosure, within the period required by law. Consumer portfolio services are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2023. I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Two of my credit reports include incorrect information related to my student loans. My student loans were transferred from the Department of Education to XXXX in XX/XX/2023. However, two of my reports ( Creditwise, from Capital One, and XXXX ) continue to report an open balance of {$83000.00} with the Department of Education. 

This is harming my ability to get loans and credit.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WV)

Received marketing email approximately XX/XX/2023 that stated if I share a link with my friends and family, and they get approved through this link, I obtain XXXX bonus points. My mother-in-law used this link, was approved, used the card, and has already received her bonus points. I called on this multiple times and the requirements kept changing ( must use car, must be billed, etc. ). I closed my account on XX/XX/2023 because they kept saying they were going to escalate this issue ( three separate calls ) but the marketing department never followed up on the misleading advertisement and provided the XXXX points earned.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (NY)

I found out through experian today that Citibank closed my citi world credit card ending XXXX with a credit limit of XXXX to my citicards preferred card ending XXXX that had a credit limit of XXXX that is now XXXX. 
Either way, I lost XXXX in credit that affected my credit score and also for the length of time I had it. 
All done without my knowledge.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NJ)

I purchased the vehicle which is financed by American Honda finance. My address is in state of XXXX XXXX but I do work for XXXX  XXXX XXXX  commission XXXX XXXX XXXX. Therefore I am required to register the car in XXXX XXXX XXXX. The XXXX XXXX  XXXX allows XXXX XXXX residents to register the car in XXXX XXXX  state for this purpose. Since the car was purchased and financed from XXXX XXXX dealer, I needed the certified copy of the vehicle title and permission letter from honda finance to tranfer the registration to new york. But the honda finance refused to provide me the documents to do so. As I mentioned there is no policy in the signed contract between me and honda finance to prevent me from transferring my registration to XXXX XXXX from XXXX XXXX while I am residing in XXXX XXXX as well as there is no legal provisions to not allow me to register the car in XXXX XXXX while residing in XXXX XXXX. Since I am the legal owner of the vehicle, the honda finance violating my consumer right by refusing to provide me the proper documents and causing me loss of income. I can't use the vehicle to earn my living, while paying for the monthly payments. 
Please do further investigate the situation and make them aware that they are breaking laws. As well make them to make up for my lost income. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

just got notification that i had a delinquent account for the first time in my life. credit card that i have had for over 10 years on autopay somehow stopped making payments XXXX statements ago. logged in and found i was no longer enrolled in billpay at all. called bank of america and they said because i closed their checking account the credit card payment migrated to a different system and everything was cleared. i was never notified of this change and that i would have to resetup autopay. they basically said it was my fault that they turned off autopay and they wouldnt do anything to resolve it.
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (TN)

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as o the civil liability and the remedy available to me (section 616 and 617) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (CO)

Student loan with XXXX XXXX XXXX reported on credit report as of XX/XX/2024, Initial amount was {$1500.00}. Credit report from XX/XX/2024 indicates a loan amount of {$3500.00}, Disputed loan through Credit Reporting agencies, XXXX and XXXX. Dispute was unsuccessful. Both credit agencies indicated credit is valid. Unable to reach XXXX  XXXX XXXX, MOHELA to correct the situation. Loan has not reporting on XXXX.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. 

XXXX XXXXXXXX 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 2023-11-17
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. (IN)

This has been an ongoing effort to communicate with the consumer reporting agencies regarding the deletion of all the invalid items that have been posted on my credit report. There were items that have long been deleted from XXXX and Equifax but XXXX still shows the same item on my files. It's like they're not talking or communicating with each other and I'm under the impression that they are just trying to let me know that they have reached out to the individual creditors, where in fact, they really didn't do it. Coz why can a creditor release different information among these 3 credit bureaus if they're only reporting to one creditoror furnisher, right? Did you get my point here? So, I'm thinking that they're not doing their job efficiently. Some accounts have different declared numbers or digits, amount and date.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

just got notification that i had a delinquent account for the first time in my life. credit card that i have had for over 10 years on autopay somehow stopped making payments 2 statements ago. logged in and found i was no longer enrolled in billpay at all. this happened right after bank of america forcibly changed the credit card to a different product.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (HI)

JEFFERSON CAPITAL SYSTEMS LLC reopened an account collection on XX/XX/2023 which is now showing on XXXX. I did not give them permission to have access to my information and the account collection is over 8 years old. I tried disputing the case on XXXX and information was updated to remarks. This collection should not be on my report by now.
Consumer complaint received 2023-07-17
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (FL)

On XX/XX/XXXX I took a loan with GoodLeap for a Solar System by XXXX XXXX XXXX. They promised that they would reimburse my loan payments if my Solar wasnt connected by time the payments were to start in XX/XX/XXXX. Everything with the Solar install project was fine until XXXX when I stopped receiving any updates from XXXX XXXX. I found out in XX/XX/XXXX that the company closed down. My first payment with GoodLeap was scheduled for XX/XX/XXXX but I removed my banking information and notified them that I would not be paying until what I purchase was in place. They still took out the payment on XX/XX/XXXX even though I deleted my bank account info from their site. They claim they paid XXXX XXXX in full fir my job and now its up to me to pay the loan and to complete the remaining process on my own. I trusted these companies to install solar and I was scammed!
Consumer complaint received 2023-04-23
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: CCS Financial Services, Inc. (OH)

I changed car insurance companies. The policy was paid in full upon cancellation. prior to canceling my contract with XXXX, Ihad a new policy with XXXX. I filed a complaint with the collection agency stating that Ive never owned this debt, and they still put it on my credit report, nor contact me any further regarding the information I sent them, I then called the collection agency to find out what I could possibly owe to XXXX because the policy was paid in full and was told that my policy with XXXX did not overlap with XXXX  and it did. My new policy took affect XX/XX/2022, the old policy canceled XX/XX/2022. I followed all laws and rules regarding having continuous car insurance coverage and should have not been billed {$190.00} when I had a car insurance coverage and effect. I ended up paying {$190.00} just to get it off my credit report but this was not debt that I owed and I was scammed by XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (PA)

I paid my Barclay Card total {$2000.00}. They said they did not get but cashed the check. Took several months and i sent copies of front and back of checks. They removed one of the credits then gave me a late payment and account was paid in full. Now the credit bureaus have a 30 day late for XXXX in XX/XX/ which was Barclay error that the fixed. I disputed on credit bureas but still came back i was late. Credit score went down significantly and i was never late. Just disputed again with documents stating i was not late. This needs to be addressed. Thank you
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

I have a collection reporting from CCS XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (ID)

There are 3 or 4 open credit reports all for same car loan ... that has been paid off for 2 years ... on my credit report.it states they are open and late... I've tried to have them fix it. They did fix a few but I still have 3 or 4 open reports that say I owe and am late
Consumer complaint received 2021-08-30
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. (NC)

I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : Transunion : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} XXXX  : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX  : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit report account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-19
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. (FL)

XXXX. ) Purchased sofa from XXXX using the XXXXChase Credit Card XXXX Date of Purchase : XX/XX/XXXX XXXX. ) On XX/XX/XXXX the sofa arrived damaged. The delivery driver took pictures and sent them to his company. We never took possession of the sofa we informed XXXX about the damage and provided proof of damage. We stored the damaged item until XX/XX/XXXX. 
XXXX. ) Date : XX/XX/XXXX XXXX issued a Return Authorization Number XXXX  XXXX XXXX. ) Date : XX/XX/XXXX XXXX  contracted company ( XXXX ) picked up the damaged sofa. 
XXXX. ) See proof of the pickup. 
XXXX. ) See proof of delivery on XX/XX/XXXX to XXXX warehouse. 
XXXX. ) Despite several attempts to request the refund from XXXX, XXXX has not issued the refund. 
XXXX. ) Date : XX/XX/XXXX we opened a dispute with XXXX and they refunded the {$880.00}. But the credit card statement reflected a charge. 
XXXX. ) I paid the all charges on the Chase card in full on XX/XX/XXXX. 
XXXX. ) On XX/XX/XXXX, I called Chase to ask for the refund and they connected me with XXXX. XXXX said they issued the refund and sent me an email stating that the refund was issued but to date the refund still has not been issued. 
XXXX. ) Date : XX/XX/XXXX Chase subsequently reversed the charges.

12. ) To date we are currently paying {$40.00} monthly to Chase for a wrongful charge of {$880.00} at a rate of XXXX percent interest. Despite all the evidence we have provided that the sofa was damaged, we never took possession of it and we returned it to XXXX, Chase Bank has continued to financially abuse us and ignore our requests for a refund.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diverse Funding Associates LLC (GA)

In reference to a Charge-Off, Written-Off Amount, and Balance Amount appearing on my personal credit report for XXXX BANK XXXX XXXX XXXX I recently received notice in a letter dated XX/XX/XXXX, from DNF ASSOCIATES LLC that a FORM OF ASSIGNMENT AND BILL OF SALE closing date occurred on XX/XX/XXXX. Which also acknowledged in the FORM OF ASSIGNMENT AND BILL OF SALE that the closing date for Pools shall be on or about XX/XX/XXXX. 

XXXX BANK XXXX XXXX continues to update and modify the Charge-Off, Written-Off Amount, and Balance Amount in violation of 15 U.S.C. 1681g. XXXX BANK XXXX XXXX continues to report a Charge-off, Written-Off Amount, and Balance Amount at the same time that would be inaccurate, false, and incorrect. While at the same time, DNF ASSOCIATES LLC alleges to be the owner of a FORM OF ASSIGNMENT AND BILL OF SALE closing date that occurred on XX/XX/XXXX. Yet, DNF ASSOCIATES LLC failed to validate how debt is owed by me to XXXX BANK XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. DNF ASSOCIATES LLC fails to validate the specific form of assignment that carries the contractual agreement with it. 

I dispute that XXXX BANK XXXX XXXX is my original creditor and that XXXX BANK XXXX XXXX is my creditor past or present. I further dispute that DNF ASSOCIATES LLC is my creditor or current creditor and dispute that DNF ASSOCIATES LLC holds enforceable security interest to collect on a debt in their name as my creditor. DNF ASSOCIATES LLC is not my creditor and should be removed from my credit report as my creditor. 
DNF ASSOCIATES LLC failed to timely validate the debt that is alleged to be owed to XXXX BANK XXXX XXXX. DNF ASSOCIATES LLC has no right to collect any debt for this account from XXXX BANK XXXX XXXX that was transferred or sold. XXXX BANK XXXX XXXX through admission from DNF ASSOCIATES LLC of a FORM OF ASSIGNMENT AND BILL OF SALE has no right to report any such Balance Amount on my personal credit report. The Charge-off, Written-Off Amount, and Balance Amount are incorrect, inaccurate, and false reporting.