davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Recovery Systems, Inc. (IN)

Last winter in XXXX, I received a parking ticket in the city I live in. The ticket was misplaced so the debt wasnt paid ( original amount was {$30.00} ). I went to the city parking site a few weeks ago to buy a permit and found that I had an outstanding ticket. I had never received a letter nor phone call informing me that the debt was overdue or that it had even been sent to collections. Additionally, I never received any mail or phone calls from the debt collection agency ( Capital Recovery Systems ) informing me of my debt or the possibility of disputing it. I havent had a chance to visit the city office because I am a XXXX XXXX XXXX and the hours they operate are when I am typically in class. Regardless, I had no clue about this debt and there were no attempts to reach out to me to inform me of it. I am not sure if the debt has collected interest or not, and even after I checked out the website of the agency I couldnt do anything to get more information as I needed an invoice number that was supposed to be received when notified of the debt ( which I didnt receive ).
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi Sir/Mam, Good Morning.

I have 2 Credit Card accounts with Capital One. 
I had lodged a complaint about the practices of Capital One which was sent to the company on XX/XX/2023. 
This is the previous complaint -> XXXX. 
The company responed on XX/XX/2023 RESPONSE TYPE Closed with monetary relief Company 's Response Please see the attached response. 
MONETARY RELIEF AMOUNT {$25.00} Relief will be paid to my Credit card account in XXXX Statement. 
I left a feedback for that complaint saying the company did not keep up their promise and instead when I called customer service about it they were not willing to look into the reason they company was avoiding what they promised. 

Today is already XX/XX/XXXX and I do not see the promised amount refund. 
Please look into this matter as well asap. Thanks.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX around XXXX I went to am atm inside of XXXX  on XXXX XXXX XXXX XXXX PA XXXX. I had started to pull out {$200.00} then before I hit enter button I canceled remembering Chime is horrible with disputes if something were to go wrong. I then entered another card and continued with my transaction. About XXXX later upon trying to use my chime card I see that they took {$200.00} out. I called chime and was told that I had to now wait until it's out of pending that those funds would return back into my account. I had also called the merchant for the atm and they confirmed that transaction was canceled it never went through. Those funds weren't put back into my account so chime tells me I need to file a dispute so I do that. I told chime what happened and they obviously didn't investigate this because they denied my dispute causing me now to file a rebuttal. That now I'll have to wait another 10 days for. The merchant doesn't have my money chime has my money and will not return it. I was instructed by the merchant atm to file a complaint here. Dispute # XXXX. I would like my money back as soon as possible I have bills to pay with these funds that chime took from me.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

For XXXX years chime bank has keep {$4400.00} give or take a few dollars of my .money have contacted them sent my ID ss card and all info that was asked they said they closed account because they could not verify the source the money came from but it was unemployment from the state on nc XXXX And they seen that also.have the emails back and forth still from them but they never help they have no number to call for this they say you have to do emails but they send same thing over and over and finally quit responding.they even closed my account on the XXXX of that month but then keep a deposit from irs that was made on the XXXX. They seem to do this to a lot of people and they get frustrated same as me so we give up.but I just seen with slot of other banks doing this who to contact.thank you fo your help on this matter.
Consumer complaint received 2024-07-04
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: Affirm Holdings, Inc (FL)

I went to XXXXXXXX XXXX XXXX They advertise 0 % interest for 12 months through Affirm. I applied to Affirm and got back a 28 % interest rate on my loan. I have XXXX XXXX XXXX XXXX. I tried calling Affirm. They connect me to their customer service in the XXXX. I ask them why I didnt receive the promotional offer. She tell me to contact XXXX but the vendor is not the one that is financing. They are. She acts like she doesnt understand my simple question as to why someone like me who has impeccable credit does not qualify for 0 % interest. Nothing is resolved and now I am stuck with 28 % interest. It was a bait and switch with no answers from the finance company AFFIRM
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WA)

XXXX phone company sold my account to Convergent Outsourcing , Inc . They made my an offer to resolve the debt. I accepted that offer and paid the asking amount in full. Convergent Outsourcing , Inc closed the account and alerted XXXX that they had resolved the account as it had been paid. 
Instead of making needed adjustments to my credit report they sold my account to another collection company. And then another. 

My question to you is, when and how is this debt going to finally get resolved? 
Is there something else I need to do? I have written and sent proof of payment to all involved, but XXXX and credit companies along with debt collectors are all just shrugging their shoulders. 

Can you please help me out? 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XXXX a XXXX agent arrived at my place of residence pounding at the door. My mother, who was working from home at the time, answered the door. She said she was approached by the agent demanding to know where I was. She explained I was not at home, as I was not, and she was called a liar because he saw a dog at the window and assumed it was me. I have a receipt from the time he was at my house to show I was nowhere in the vicinity. He claimed the payment arrangement was not kept as agreed, which is a lie considering they accepted and cashed a full months payment dated XXXX. I also was just in the hospital for an acute flare related to my chronic XXXX ( I also have proof of this ) and was released on XX/XX/. I left my home to getgo around XXXX. He arrived at my house after XXXX. I have a receipt from getgo showing I was there after XXXX. This is outrageous considering this was not someone with any right to arrive on my property acting in such a manner.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$7800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I canceled a pending payment of {$90.00} on XX/XX/year> that was awaiting approval on Cash App by the recipient named, because I had mistaken him for another Cash App Account Holder who has the same first name and last name. 

The payment was successfully canceled and refunded to my Cash App Balance on XX/XX/year>. 

I transferred the refund from my Cash App Balance into my XXXX XXXX XXXX Checking Account by paying a small fee to Cash App for the instant transfer on XX/XX/year>. 

Unfortunately, Cash App chose to withdraw the refunded amount of {$88.00} from XXXX XXXX XXXX XXXXXXXX XXXX Account without my authorization on XX/XX/year> and send a total of {$90.00} to the unintended recipient, XXXX bank account. 

I filed a dispute through XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year> in order to seek recovery of this refund from Cash Apps bank. 

The dispute was decided in my favor on XX/XX/year>. 

However, Cash App sent a warning email to me on XXXX XXXX that claimed I owed the company {$90.00} with regard to a payment that I no longer authorized Cash Apps recipient, ..to receive. 

Cash App further explained in the email that my Cash App Balance was a negative {$90.00} and I could not use my account on Cash App until I added money to my Cash App Balance. 

I transferred {$90.00} from my XXXX XXXX XXXXXXXX XXXX Account to my Cash App Balance on XX/XX/XXXX, XXXX order to remove the negative balance from my Cash App Account which would allow me the ability to use Cash App. 

Keep in mind, I was under duress when I made the decision to send the amount of {$90.00} to my Cash App Balance. 

On the other hand, Cash App is not entitled to recover funds from my Cash App Balance or bank account if they were initially responsible for sending a payment that was already successfully canceled by me to an unintended Cash Apps recipients bank account. 

Therefore, a new claim was filed on my behalf against Cash Apps bank on XX/XX/year> through XXXX  XXXX XXXX XXXX XXXX. 

Moreover, I have attached pertinent documents to this message in order for the Consumer Protection Bureau to review.
Consumer complaint received 2023-04-21
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. (NY)

From XXXX too XXXX During the pandemic I was XXXX XXXX XXXX XXXX XXXX on two occasions during these XXXX I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in my reports
Consumer complaint received 2022-11-28
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. (NM)

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 Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-05-08
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. (LA)

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 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 2023-04-21
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have my credit monitoring by XXXX. I just received my 3 bureau credit report and Transunion information is not correct. I tried to file a dispute but wans n't permitted stating that I had a dispute in progress which I do not. This is hurting my credit.
Consumer complaint received 2024-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sunbit, Inc. (TX)

I hope this letter finds you well. I am writing to you regarding two accounts that appear on my credit reports. The details of these accounts are as follows : 1. **Account Number XXXX - Original Creditor : Sunbit - Amount : {$31.00} 2. **Account Number XXXX - Original Creditor : Sunbit - Amount : {$52.00}
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (NC)

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. XXXX said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive.

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

Attention Lexis nexis : reviewing my credit report there are many errors that need to be corrected My name is XXXX XXXX, I have never used another name. The following names should be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, My address has always been XXXX XXXX XXXX ter XXXX XXXX fl XXXX The following addresses do not and did not belong to me and should be removed : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX The following emails do not and did not belong to me and should be removed : XXXX XXXX Thank you very much, sincerely : XXXX XXXX
Consumer complaint received 2023-04-21
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX PLEASE DELETE IMEDIATELY!! 
I HAVE FILED A IDENTITY THEFT POLICE REPORT STATING THIS WAS IDENTITY FRAUD I HAVE NO KNOWLEDGE OF THIS ACCOUNT HAVE NOT LIVED AT THE ADDRESS ITS ASSOCIATED TO IT SHOW AS A CLOSED ACCOUNT THIS IS IN COLLECTION/CHARGE-OFF WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT IT IS NOT REPORTING ON EITHER XXXX OR XXXX ONLY SHOWING NEGATIVELY ON TRANSUNION AND I WOULD LIKE FOR IT TO BE REMOVED IMEDIATELY PLEASE. IT WAS ONCE DELETED OFF MY CREDIT REPORT AND HAS NOW SHOWED UP AGAIN AS A CLOSED COLLECTION ACCOUNT AND IS CAUSING ME GRIEF.

15 U.S.C. 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2023-04-20
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

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.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIRST CITIZENS BANCSHARES, INC. (IN)

On XXXX of XXXX I was contacted by CIT bank, First Citizens bank Direct Capital. in regards to the ability to be financed on a Truck lease or loan and then was told after getting approved that I was also approved to receive additional cash loan of XXXX. The total payment was XXXX which I began paying. 
Then in XXXX my payment shot up to XXXX and XX/XX/XXXX and charged twice then XXXX again in XXXX automatically with no call or explanation. I finally noticed the larger amounts in my account and contacted them to find out it was for Insurance which I already had on the vehicle since I purchased the truck which I proved to them and I was told I would get refunded for which I have not seen yet. I stopped the automatic withdraws until they refund the money and now they are threatening to repo my vehicle. The following is the transaction records from my bank for the payments. In XXXX they sent a notice of default stating I was late XXXX. They did not pay back the money that was added to the original contract payments. 

XX/XX/XXXX Direct Capital Nh  Checking - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi XXXX - {$1500.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi  Checking - {$2000.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital XXXX Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi  Checking - {$1800.00} Business Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Edi Checking - {$2000.00} XXXX  Vehicle lease | XXXX XXXX XX/XX/XXXX Direct Capital Retry Checking - {$1500.00} Business Vehicle lease | XXXX XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi  Checking - {$1500.00} Business Vehicle lease | XXXX XXXX | + Add tags XX/XX/XXXX Direct Capital Edi  Checking - {$1400.00} Business Vehicle lease | XXXX XXXX