davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXXXXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX  XXXX XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Consumer complaint received 2023-03-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF HAWAII CORPORATION (HI)

To whom it may concern, UNFAIR, ABUSIVE AND DECEPTIVE to say the least. 

As a single father of 5 children, I was impacted drastically with XXXX. I lost my job and also my home. This called me to fall behind on all my obligations. Unfortunately, on XX/XX/XXXX My auto loan was assigned for repossession with Bank of Hawaii. 

I found the strength to not only find a 3rd job to supplement income and get back on my feet. I would not give up. 

On XX/XX/XXXX I was able to cure the amount quoted to me on XX/XX/XXXX that would cure the delinquent amount, late fees and repossession fees. As soon as I was able to make payment to Bank of Hawaii, I contacted to collection department and spoke with the supervisor by the name of XXXX, he assured me that everything was taken care of. 

On XX/XX/XXXX, My truck was repossessed. I called Bank of Hawaii, and they stated it was repossessed in error. Whomever was supposed to cancel the order failed to do so. They said I needed to go down to the tow yard to pick up my vehicle with no cost and they would also assist me with reimbursing the repo fee along with giving me one month payment free due to this error that could have been prevented. I explained to them I missed a day 's work and also my children missed their doctors ' appointments. They promised to make things right and get back to me on XX/XX/XXXX at XXXX. 

I received a call on XX/XX/XXXX from XXXX ( Collections Supervisor/Manager from XXXX ) and was told as a slap in the face- They will not help me other than giving me back {$300.00} worth of fees because the reason he didn't need to cancel the repossession was because there was a {$26.00} fee that I did not cure. I asked why wasn't this told to me when they quoted me a payoff as of XX/XX/XXXX. 

How can they go from explaining to me it was my error to telling me " TO BAD ''. From admitting error to back pedaling to save themselves from litigation fees. 

This is unfair to say the least. I am being bullied by this cooperation. Who stands up for us. I am a single father of 5 trying to make it in this life even with the post-covid struggles. How can they be called " Bank of Hawaii '' when their actions do otherwise. 

CFPB stands up for the consumer and ensure/enforces creditors to do right by the consumers. 

XXXX at Bank of Hawaii should take accountability for his teams ' actions and also be held accountable for a despicable mistake. 

Please help.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
Attached information available.
Consumer complaint received 2023-12-19
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. (MS)

This violation of 15 US Code 1681i ( 5 ) ( B ) ( i ) ( iii ). This item was initially deleted for inaccuracy and then you reinserted it back into my credit report without notifying me in writing within 5 days afterward. I demand you delete this account immediately. 


Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

My mortgage is with Shellpoint Mortgage I am on the XXXX XXXX plan. I make XXXX payments every 2 weeks of {$2000.00} so that accounts for 2 extra payments to equal one full payment to help pay off a mortgage debt faster. ( Total monthly mtg payment {$4000.00} monthly ) The months with 3 payments are XXXX and XXXX. 
The payments I made in XX/XX/XXXX were ... XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
the first 2 payments went to the regular mortgage payment and the 3rd payment should have been applied to ... PRINCIPAL>ONLY. 
I called XXXX, XX/XX/XXXX and XX/XX/XXXX ( XXXX ) Each time i was told it would get re-allocated to the Principal only part of the mortgage. 
I recently found out that the first 2 calls the person did not do anything and the 3rd and 4th calls said I would have to wait until next month which i think is CRAZY! 
I should not have to call 4x for something that is supposed to happen automatically. 
This bank and this situation needs to be investigated.
Consumer complaint received 2024-07-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (TX)

Dear Affirm : The following account is reporting negative on my credit reports by Affirm INC. and the account was paid approved in the amount of {$180.00} of the {$180.00}. I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay the remaining balance ( {$9.00} ) as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$9.00} payable to Affirm in exchange to have all information related to this debt removed from all of my credit files. 
If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Affirm. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above. 
Sincerely
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (AZ)

I was XXXX  to XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. When I went in I had XXXX XXXX XXXX XXXX XXXX. As of XX/XX/XXXX, I had XXXX XXXX XXXX XXXX XXXX. I told the facility and gave them all the information. Every month I would call billing they said they would handle it. The last time I emailed them on XX/XX/XXXX to please bill the XXXX XXXX so that the bill would be taken care of. Then in XXXX, I received a statement from Grand and Weber Arizonia , Inc. telling me they were trying to collect on a debt for XXXX XXXX. Right away I called and explained the circumstances and they pretty much told me oh well too late you have to pay us. Now I either get statements or emails once or twice a month have even disputed this with XXXX as they put it on my credit report. All that did was put on there that I disagree with the debt. Well I do but in the meantime, it is a derogatory remark and ruining my otherwise good credit history. I just feel this is unjust in that the second insurance company was never billed.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (TX)

Collection Agency DEBT RECOVERY SOLUTIONS, L XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Re : Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Credit Report Notice : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt listed on my credit report under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a notification that this debt was reported to the credit bureaus, but I have not received a validation letter from your agency as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, debt collectors are required to send consumers a written validation notice within five days of their initial communication regarding the debt. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.
Consumer complaint received 2024-01-13
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. (TX)

I am writing to seek your urgent assistance regarding a disputed charge of {$6900.00} made on XX/XX/2023, to XXXX for a custom mechanical ride. The product arrived on XX/XX/2023, in a severely damaged condition due to poor packaging. 

Despite following all recommended procedures, including marking the shipment as damaged and filing claims with XXXX XXXX and their 3rd party shipper XXXX, my claim was denied by XXXX XXXX just this week after much back and forth. Additionally, Chase denied my dispute citing the charge 's age. It's crucial to note that the merchant is refusing any resolution or refund, leaving me unfairly liable for a non-functional product.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX XXXX. The account number is unknown. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2018 ( 6 years ago ). It appears this debt was re-aged, and needs to be deleted immediately. My rights dictate my ability to obtain this information.
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AutoNation Enterprises Incorporated (AZ)

Traded in a vehicle and bought a vehicle from the dealer on XX/XX/year>. I attempted to make contact with the dealer during the week to get confirmation that the loan on my vehicle I traded in was paid off. Nobody responded. On XX/XX/year> I went in person to speak with XXXX XXXX, a manager, and XXXX, finance guy, to ask for their help in confirming payment had been made to payoff my trade in. They provided with general turnaround times. They couldnt issue me a check because its generated out of some accounting office not in the dealer. They did say a check would be issued the following week and my loan would be paid off. That has not happened and I called today, XX/XX/year> and spoke with a gentleman named XXXX, a manager, who would look into it. Gave me the same response on general turnaround times to pay off my loan but extended that to, it could take up to 30 days. That as long as my payment wasnt 30 days late, it wouldnt go on my credit report.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2023 I was making a purchase through pottery barn. When going through the checkout process there was a an offer to open a credit card which could earn double the rewards on todays purchase or have promotional financing. I went to the more information page where it confirmed the details and then applied through capital one. I submitted the application and received an approval which stated " your new card is ready to use today. Your physical card will arrive in 7-10 business days but you can ship with your new card right away ''. However when attempting to use the new card by following the link to return to shopping the card wasn't there. I contacted pottery barn who said i would need to contact capital one. I called and the first person I spoke to said I could only do so if it has a virtual card and not all cards have that. He said I would need to check online. When I told him it didnt show anything I asked for a supervisor because it said I could use the card the same day but then after waiting on hold for a while he ended the call. I called back and the person I spoke to said you can't use the card the first day and would need to contact the pottery barn area. I was transferred and then was on the phone for almost an hour trying to figure it out. I was told that I can't use it the same day. I told them this is false marketing and advertising and not ok because I only opened the card to use it for that purchase and I wouldnt have opened the card if I would have had to wait 2 weeks to use it. She tried walking me through several different processes and none worked and then told me I was having issues with it. No, capital one was having issues and falsely advertising what the card could do. It is incredibly deceiving to tell someone to apply for a card for that purchase to get benefits and then not be able to use the card. The card also offers double rewards through pottery barn for the first 30 days but if I dont get my card for 2 weeks, half the time of that is wasted which is also false advertising. The person I spoke with reviewed with me exactly what their website said but didn't seem to care or be willing to just give me the card number so I could add it to the pottery barn account. After over an hour on the phone and multiple transfers all i was told is that the card couldn't do that. I have screenshots showing the approval with the exact verbaige from capital ones website as well as what pottery barn says at check out. Not only is the false advertising not ok but neither is the companys unwillingness to fix their own issue or act like they care.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 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 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (KS)

On XX/XX/XXXX and XX/XX/XXXX of this year, in writing I sent them a Revocation of the Authorization of auto debit of payments. They have refused to do this and keep trying to get me to send in more and more of my information, now they are trying to get my social security number and a photo copy of my id.. which all sounds pretty shady. But regardless they are basically refusing to revoke my authorization. I informed them I am well within my rights to revoke at anytime and they continue to XXXX. ) transfer me to different people and then say Ill receive a phone call and never do. And XXXX. ) refuse to revoke without me sending in all my identification. 
They have since Taken money illegally from my bank account XXXX {$30.00} and XXXX {$50.00}, which they state are late fees that are being auto debited!! 
I have informed my bank account who have frozen the account and Ill probably just have to close it.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One closed my checking account on me suddenly and withheld all my money leaving me completely stranded in a foreign country with money or way to get home. I didn't get my money back for over a month at which time they informed me I'm permanently banned from opening any Capital One checking accounts. THEN after they released my funds to me they said they miscounted I owe them {$100.00} because of a merchant dispute I had already explained it was not supposed to of been disputed by the agent who originally wrote the dispute for a separate change but she mistakingly added it to the dispute charges. NOW I'm banned from capital One checking for life for no reason. After leaving me stuck in a foreign country WITH NO MONEY OR WAY HOME FOR OVER A MONTH FREEZING MY SOCIAL SECURITY MONEY AND TELLING ME I'M BANNEDFOR LIFE AND I OWE THEM {$100.00} FOR THEM MISCOUNTING MY ACCOUNT BALANCE PAID TO ME btw I'm pretty sure there are laws against withholding people 's social security payments so if they still want to continue to falsely say I owe {$100.00} for capital one miscounting and keep me banned for life. I have nothing but time and I would love to hear what the courts would think of this.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IA)

I opened a new account online with BMO Bank on XX/XX/2024. On XX/XX/2024, I went to the bank branch on XXXX XXXX XXXX in XXXX XXXX IA, and deposited a US Treasury check for approximately {$8200.00}, for FEMA relief. I presented my drivers license, they took and deposited the check and said it may not be available until the following business day. I was fine with and expected that. The next day, however, I went to check the status and it said it was still pending so I waited a little longer. Then, I went to check it again and couldn't get into my account. I called BMO and they stated that my check was in their fraud investigation department and my accounts frozen for the time being and that it could take up to 30 days to complete their investigation, meaning ; they're holding my money hostage, over $ XXXX, for no apparent reason. When I asked why, they only said because my account was new and the check amount was high. Well, under the FDIC guidelines, it states that even under exceptional circumstances, that {$5500.00} should be released within 24 hrs for a treasury check and the excess can be held for an exceptional reason/review. Can you help me get my money? I've called BMO 3 or 4 times a day every day ever since this happened and they refuse to budge.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC (GA)

I have not supplied proof underneath the doctrine of estoppel by silence, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 L owe no debt, this company is violating my consumer right to privacy.This company has no permission to report my information per 15 USC 16814.