davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy. 15 USC 1681 Section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Turner Acceptance Corp. (FL)

I paid my loan to turner acceptance phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 4 years, now the easy the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who says I owe another XXXXXXXX XXXX I am being over charged, I could have gotten a better car, XXXX or something for. XXXX were talking about a XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX is reporting a XXXX XXXX XXXX my report I ask to move they said no after I told them that is not my physical address it needs to be removed from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX not my address XXXX XXXX XXXX XXXX on Equifax also not my address remove immediately
Consumer complaint received 2023-11-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC (MD)

RE : Westlake Portfolio Management Servicing/ XXXX  According to the contract with the above referenced, I financed {$2300.00} at 25 payments of {$99.00} per month. 
I have made 33 payments of {$99.00} = {$3200.00} a difference of {$900.00} ( overpaid ). 

I contacted the company on XX/XX/2023 and was informed that my account had been closed for nonpayment and I have a balance due of {$120.00}. I asked how this could be since payments are automatically withdrawn from my bank account. The representative stated that he did have the details and that I needed to pay the {$120.00}.
Consumer complaint received 2023-07-07
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
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: GOLDMAN SACHS BANK USA (CA)

I purchased an e-bike in XX/XX/2023, and I had problems with it right away so I returned it to the merchant Sir XXXX XXXX. I purchased the bike using my Apple card so I contacted them to dispute. The charge in charge was disputed but then after three months the charge was put back on my account so I contacted Goldman Sachs and they reverse the charge again three months went by and they put the charge back on, I submitted several pages of proof that I had returned the bike to the Sir XXXX XXXX place, but the charge keeps coming back to my account. I spoke to several supervisors at Goldman Sachs, but I can not get the charge to stay reversed. Goldman Sachs will not provide me with any information as to what they are using to determine that the charge is real. I have nobody to contact and now I have an {$1800.00} charge back on my account that I must pay. I found an article online that your department Looked into Goldman Sachs practices with this exact issue where consumers are not getting refunds for fraud, or disputed charges on their credit card. 
I hope you can help me get this charge refunded. 
Thank you
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (VA)

Dear Consumer Financial Protection Bureau, I am writing to formally complain about a situation that has arisen with XXXX creditors, involving what I believe to be a violation of my privacy rights and consent regarding the reporting of late payments on my account. My account details are as follows : Exeter Finance, XXXX XXXX XXXX, and XXXX reported late payments on my account to all XXXX credit bureaus. I believe this action was taken without proper notification and in violation of my privacy rights for the following reasons : Reporting late payments violates my privacy and without my consent. I have signed any documentation permitting them to report any late payments. These reports have been shown to companies that have been granted permission to review my credit report. 

I respectfully request that the CFPB investigate this matter to determine whether Exeter Finance, XXXX XXXX XXXX  and XXXX have indeed violated privacy and consent regulations as I believe. Furthermore, I ask for guidance on how to rectify this situation to ensure that my financial information is handled appropriately and in accordance with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please contact me if you require further information or additional documentation regarding this complaint.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2024-01-19
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: Credit Karma (LA)

In early XXXX, I took the initiative to order a copy of my XXXX XXXX XXXX, only to discover a substantial number of inquiries into my XXXX credit report. Puzzled by the frequency of these credit checks, which occurred almost daily, I promptly composed a letter on XX/XX/2023, addressing XXXX, Credit Karma, and XXXX XXXX. In accordance with the Fair Credit Reporting Act, I emphasized their obligation to inform me of the timing and purpose behind their attempts to access my report, asserting that I had not granted them consent for such actions. I explicitly requested the removal of any unauthorized inquiries from my credit report. Unfortunately, despite the passage of well over 30 days, I have yet to receive any response from these entities. 

On XX/XX/2023, recognizing similar unauthorized inquiries from XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX , I promptly dispatched letters to each of them. Citing the Fair Credit Reporting Act, I underscored the prohibition against consumer reporting agencies furnishing records of inquiries not initiated by the consumer in connection with a credit or insurance transaction. These unauthorized transactions, therefore, are deemed illegal, as I did not initiate any of them. 

I am adamant about rectifying this situation promptly and insist on the removal of all unauthorized inquiries from my credit report. It is imperative to stress that I have never granted permission for any entity to inquire into my credit, and I expect immediate compliance with the Fair Credit Reporting Act to rectify this matter.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC. (NY)

THIS THE INFORMATION BELOW FROM MY XXXX ACCOUNT : THEY KEEP CALLING FOR COLLECTION. 

ALLY FINANCIAL Your information may have changed since XX/XX/XXXX Account name ALLY FINANCIAL Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status : Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$26000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I was hacked- they sent me a Link that gave hackers access to my phone and Chase bank instead of helping me after I explained that my phone was used through them broadcasting and utilizing my info they denied to help me - hackers XXXX {$500.00} To their account utilizing the email XXXX XXXX XXXX 

I have filed a police report which they said They dont take and also a FBI AND fraud report With beraur. 

They were able contact The bank they should be able To fight for thry customer
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!
Consumer complaint received 2018-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

In XX/XX/XXXX, I was seen at XXXX XXXX medical. For services rendered my insurance company at the time had issued a check XX/XX/XXXX ( See attached document ). XXXX XXXX 's incompetent accounting abilities sent this to a collection agency Wakefeild and Associates. I have made repeated attempts to show a copy of the check to Wakefield ( The attached document ). Wakefield has since reported this to all three credit agencies. I have been able to show to 2 out of the 3 agencies that I was not owed this debt and they have removed it from my account. The reason I have not been able with the third is due to their website failing to upload the document. Today XX/XX/XXXX, I have arrived home and there were court documents on my kitchen table. They are from Wakefield and Associates trying to sue me in court. I have copies of correspondence between the insurance company as well as a copy of the check that XXXX XXXX received that payed off the debt.
Consumer complaint received 2023-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My name is XXXX XXXX and I am a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. XXXX has been committed on my consumer report, which violates the FCRA and FDCPA. Capital One is using extortionate means to collect an alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 USC 1692 ( g ) Section 809 ( b ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO XXXX. XXXX. This authenticated record must include all tax filings ( including all XXXX, XXXX, and XXXX ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Capital One. Please be advised that providing a memorandum or other statement from your agency, stating that Capital One the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim. Please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 

PLEASE BE ADVISED THAT YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted XXXX, XXXX, TransUnion, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by disclosing our information for financial gain for themselves.
Consumer complaint received 2024-02-22
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: CMG MORTGAGE, INC (CA)

A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/2022, and erroneously posted by CMG Financial as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX drop on each of our respective credit scores. Beginning on XX/XX/2022, we both disputed this egregious oversight by CMG Financial through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by CMG Financial ( personal check ) before the due date ( XX/XX/2022 ) and returned to our po box stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being XXXX XXXX with XXXX, my partner and I were physically unable to retrieve our mail from the po box , and thus had no knowledge of the policy change with CMG Financial. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with CMG Financial tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (WI)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-22
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: U.S. BANCORP (FL)

We had decided to open the card as we already have financed a car through US Bank. The rep I spoke with on the phone was very nice but very salesy and vague. She said everything I wanted to hear. After several weeks we did not receive the card yet and was told balance transfers can take weeks if not months. Months?! We live during a time I can buy stocks through my phone what do you mean? 

The card had to be cancelled and resent. The woman I spoke to agreed that the sales/closer team does talk a big talk to close the deal especially on clients they know have a high income like myself. I dont appreciate being swindled. 

I was doing the balance transfer with US bank because of an attractive offer and no other reason. We are now eating into months of the offer which means its really 4 months not 6 until I am hit with a penalty.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Loqbox US Inc (FL)

I hired Loqbox 's services over a year ago with the promise that they would report my credit positively as long as I deposited {$120.00} per month for a year. However, their automated system has caused multiple issues with my credit report, and I have experienced poor customer service without personalized assistance or effective solutions. 

Currently, I am unable to close my account and receive my deposited money back, despite having made 11 payments and an additional month. I have been waiting for over a week for the final payment to be collected, but the platform remains blocked. I am concerned that this will result in another late payment on my credit report, which has already been negatively impacted by Loqbox 's previous errors. 

Additionally, Loqbox has made unexplained changes to my payment schedule, extending my contract without my consent and causing further delays in my ability to receive my money back. I believe that Loqbox 's actions constitute a scam designed to hold onto my money for as long as possible while threatening my credit score. 

I am seeking an immediate resolution to this issue, including the return of my deposited money and an accurate, positive credit report.