davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Following the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents, which include a photo ID, a utility bill, and a letter from an advocacy group assisting me with debt bondage related to human trafficking, as defined under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documents from the acceptable items list, with only two being necessary under the law. Additionally, I have included all required documentation and a victim determination letter as per section 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-15
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

I have had my funds put on hold on more than more occasion. When I reached out to customer service I was told my account is under review which periodically happens. The amounts were for {$1200.00}, {$1200.00}, {$2000.00}. I'm not allowed to access my funds during this review process which hurts my company drastically when I'm not able to pay my bills. When I reach out to customer services I am given the same response that the holds are in place to protect my company. Which does not seem right. How are you protecting my company by holding the funds I receive every single month. It just isn't fair. How am I suppose to get by with my day to day processes if my funds are constantly being held. I feel there are no laws in place to protect minority small businesses. These huge corporations get away with anything they can because they feel small businesses can't afford to complain and don't have the big top lawyers like they do. I'm also told I will receive an email once the review process is complete, but I never do. The one time after complaining the funds became available right after I spoke with a customer service rep on the chat service. It seemed as if they thought it was a game. They told me it could take a few days but soon after I was done with customer service and checked my account the funds were deposited. I shouldn't have to keep jumping through hoops for the hard money I earned. This last hold which I am going through now happened on the weekend. I am not able to use any of the funds in my account because transfer have been suspended while my account is under review. On the Square website it states account are placed under review for suspicious activity. How is there suspicious activity when I receive the same deposits every month? I am being told it's periodically done to keep me safe. How is holding my funds keeping me safe? I am only able to transfer money once a day. Luckily I transfer some money to another account the day before this hold took place. If I didn't I wouldn't be able to access any of my funds. I have tuition to pay, light bill, rent. But the company did not care.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : {$4000.00}
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MD)

I XXXX XXXX attended XXXX XXXX XXXXXXXX XXXX XXXX ) from XXXX - XXXX, online courses, I received an XXXX XXXX in XXXX XXXX in XXXX, upon completion. My loan was in forbearance for several years. Struggling to make payments due to my husband illness after he retired from the military XXXX. My salary at the time couldnt handle making school payments and helpi take care of our household. Therefore, the forbearance options help our family tremendously. 

I checked on the Studentaid.gov website to find out the total cost of attending XXXX. What I discovered was overwhelming to my eye site. The total listed was more than double the original amount of my loan. I contacted XXXX to request a copy of my account. XXXX email me the copy which indicated the amount of all my classes where {$20000.00} not {$70000.00} that is listed in on the Student Aid website. It is dates listed on the website that dont apply to me. Also, they switch my servicer several times, making my loans attached to different services. 

Last but not least, I believe XXXX was one of the schools that was in some kind of scandal with how they managed getting students to apply for tuition and/or allowing the services to grant students longer forbearances in order to gain additional money to that servicer.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

In reviewing my credit report on XX/XX/23, there is a collection account I do not recognize as XXXX XXXX XXXX XXXX in the amount of {$3900.00}. According to FCRA and FDCPA, debt collectors are required to send written notice before attempting to collect or report alleged debts. XXXX has violated my rights by not allowing me the 30 day " Right to Dispute ''. Additionally, this collection account is reporting as " Past Due '' which is also a violation of the FCRA and FDCPA. I am demanding the removal of this account from report.
Consumer complaint received 2024-01-15
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Recently my account was closed with Capital One they claimed it was because return on payments even though they checking account they was supposed to be withdrawing funds from had sufficient funds inside of there. They basically closed my account on a error on there system so i called customer care and they told me to reopen a new account so i did that and a couple days later i get a notice saying that account is closed also because it is related to my last account that was closed. 

Why did Customer Care ask me to create a new account if they was just going to close my account, so a hard inquiry was pulled from my credit just for the account to be closed days later. 

Why capital one would treat a loyal customer like this? Been with them for years and balances have always been paid.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2024-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention the late payments that are currently reflected on my credit report. After reviewing my credit history, I have identified instances of late payments that I believe are inaccurate and adversely affecting my credit score. 
XXXX XXXX XXXX I understand the importance of maintaining a positive credit history and take responsibility for any oversights that XXXX have occurred in the past. However, I would like to request the removal of the late payments associated with my account, as I believe they do not accurately represent my creditworthiness. 
I have attached supporting documentation, including bank statements and payment receipts, to demonstrate that the reported late payments are not reflective of my actual payment history. I have taken steps to rectify any discrepancies and ensure that my future payments are made on time. 
I kindly request that you investigate this matter promptly and remove the inaccurate late payments from my credit report. Doing so will greatly contribute to improving my credit score and financial standing. If you require any additional information or documentation, please do not hesitate to contact me
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP (NC)

My lease was behind 30+ days when I called to make a payment I called in and a rep told me i wasnt able to make a payment do to my lease matured. I was told i can purchase the car for XXXX, I would need to apply with a lender I was told. Two months has past and my wife called to make a payment since the car was still in our possession the rep excepted her payment of {$470.00} on XX/XX/XXXX which is the monthly payment he told he that the car was in repo status but this payment would bring it out of repo status. XX/XX/XXXX American honda finance had a third party XXXX That same day I called American Honda Finance to find out who took/stole my vehicle. they said XXXX had possesion of my vehicle and that it was taken because of non payment. I kindly reminded the rep they would not allow me to pay for 2 months straight. I asked if i can pay what was owed they denied me once again. The Rep then said I must pay {$14000.00} which is the balance of the vehicle, this was XX/XX/XXXXXXXX  the said the vehicle in 16 days XX/XX/XXXX which included holidays and weekend. They Have Violated XXXX XXXX They did not send a pre-sale letter. XXXX XXXX. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE. 
( a ) [ Judicial orders concerning noncompliance. ] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions. 
( b ) [ Damages for noncompliance. ] Subject to subsections ( c ), ( d ), and ( f ), a person is liable for damages in the amount of any loss caused by a failure to comply with this article. Loss caused by a failure to comply may include loss resulting from the debtor 's inability to obtain, or increased costs of, alternative financing. I wrote them XX/XX/XXXX via fax and USPS Certified mail # XXXX and XXXX c/c XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I the consumer /individual am writing TO DEMAND THE RELEASE OF STOLEN VEHICLE, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  ACCT # XXXX YOU ARE IN VIOLATION OF SAID ARBITRATION CLAUSE OF VEHICLE/CONTRACT. SEE ATTACHED, ALSO REFERENCE XXXX XXXX, XXXX et XXXX XXXX XXXXXXXX XXXX XXXX XXXX, alleging violations of federal and state antitrustlaw, ... Also under XXXX, AND FED LAW, a required, '' commercially reasonable sale ", can never be proven, see XXXX XXXX XXXX, XXXX, ... ... your possession of said vehicle /Grand Theft. THIS IS YOUR LEGAL/LAWFUL NOTICE, Of INTENT TO SUE, PENDING YOUR FAILURE TO COMPLY/RELEASE SAID VEHICLE, and resolve this matter, accordingly, through contractual mandated arbitration. Any furtheradverse actions could make you liable, for any court mandated award, including punitive damages.please goven yourselves accordingly, XXXX XXXX I am a consumer. XX/XX/XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I don't recall having a contractual relationship with this collection company Fair Collections & Outsourcing INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am being asking for a refund on the Sales Taxes that XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asked me to pay them, but then when I went to the XXXX  XXXX I was asked to paid them again because it was not listed in the bill of Sale. 
Since I paid already twice my Sales Taxes, I am asking for the refund to XXXX XXXX  XXXX. I received my XXXX XXXX on XX/XX/year>, for {$XXXX} including the Sales Taxes amount of {$XXXX. 
2. I sent a check for that amount of {$XXXX} that was received by Chrysler Capital on XX/XX/year> XXXX. I received a Bill of Sale on my mail on XX/XX/year> for only {$XXXX} with Sales Taxes in {$XXXX}. 
4. When I did the change on the XXXX on XX/XX/year> they asked for my bill of sale and since it showed {$XXXX on Sales Taxes, they charged me again the amount of {$XXXX} for the Sales Taxes plus fees I am been calling, sending faxes and asking for refund since then with no success after 6 weeks
Consumer complaint received 2024-01-15
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. (LA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

-Opened an American Express Delta SkyMiles Platinum card the first week of XX/XX/2023, with first transaction taking place XX/XX/2023. 

-Card features a welcome bonus offer that I am eligible for : " Delta SkyMiles Platinum Cardholders can earn XXXX Bonus Miles after {$3000.00} or more in eligible purchases are made on the Card within the first 6 months of Card Membership. '' -My account achieved the {$3000.00} threshold on XX/XX/2023. 

-In total, more than {$26000.00} of eligible purchases have been made on the card to date. 

-Cardmember agreement states that XXXX account will be credited with the bonus miles within 8-12 weeks after achieving the {$3000.00} in eligible purchases. In practice, these miles are normally credited within a few business days of achieving the threshold. 

-As of this report submission on Monday, XX/XX/2023, American Express has not yet credited the bonus miles. 

-I have contacted American Express via phone and online chat a total of five times since XX/XX/2023. 

-They have acknowledged that I am eligible for the bonus miles, yet still have not credited the miles to my account. Currently, 16 weeks have passed since I achieved the requirements for the bonus miles. 

-Most recently, in an online chat on Friday, XX/XX/XXXX, I was told that the issue would be escalated and resolved within 5 business days maximum. When that did not happen, I reached out via online chat again on Friday, XX/XX/XXXX. Agent again acknowledged that the bonus miles should have been credited already but indicated " As of now, there is no ETA has been provided by them. However, once the issue resolved, we may notify you with an update. '' -American Express has breached the Cardmember Agreement and still has not provided a solution to the issue.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Ohio FCRA Identity Theft Fraud Laws Dear PORTFOLIO RECOVERY A, I am writing to address a concerning violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Ohio Consumer Sales Practices Act ( CSPA ) under Sections 1345.01 and 1345.02, and identity theft fraud laws, specifically Ohio Revised Code Section 2913.49.

It has unequivocally come to my attention that PORTFOLIO RECOVERY A has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Ohio state law, specifically the Ohio Consumer Sales Practices Act ( CSPA ), emphasizes the necessity of consumer consent for credit reporting. Furthermore, the CSPA establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Ohio Revised Code Section 2913.49, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for PORTFOLIO RECOVERY A to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that PORTFOLIO RECOVERY A immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Ohio Consumer Sales Practices Act ( CSPA ). Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PORTFOLIO RECOVERY A will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.