davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports : XXXX. 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. This has violated my rights under the FCRA. 
15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history ), between the consumer and the person making the report ; XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, XXXX, and EQUIFAX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, EQUIFAX and XXXX are not an affiliate of XXXX. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I am urgently reaching out as a mother of a family of XXXX, deeply concerned and demanding immediate action. The issue at hand involves a company reporting fraudulent and inaccurate information on my credit report, a situation that gravely impacts my ability to acquire a much-needed vehicle for my family. 

This company 's actions are in violation of both the Uniform Commercial Code ( UCC ) and the United States Code ( USC ). Specifically, under UCC Article 9, which governs secured transactions, any party claiming a security interest in an account must provide concrete proof of their legal claim their failure to provide the Purchase Agreement as evidence of their claim to the account is a breach of the transparency required in such dealings. 

Furthermore, under USC Title 15, Section 1681s-2, responsibilities of furnishers of information to credit reporting agencies are clearly outlined, and their actions contravene these regulations. 

Additionally, their refusal to provide pertinent documents for review is a direct infringement of my rights under USC Title 15, Section 1681a, which details permissible purposes of consumer reports. This unauthorized use of my identity without my consent is adversely impacting my credit rating, creating a significant barrier to my financial stability and progress. 

Given these violations, I insist that the CFPB, in alignment with its mandate under USC Title 12, Section 5511, which involves regulating the provision of consumer financial products or services, takes swift and thorough action. The ongoing reporting of this unverified and potentially false information must be stopped immediately to prevent further damage to my credit rating and the overall financial well-being of my family. 

I expect your prompt and decisive intervention in this critical matter. 

Thank you,
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

XX/XX/2017 at Walmart. On walmart credit spent {$96.00} on prepaid phone at walmart and XXXX snacks. In XX/XX/2017 XXXX weeks later someone had charged {$790.00} on the walmart credit card without my permission. I called fraud line for walmart credit to synchrony bank to cancel card within a month. Called from library after my phone came up missing. Since then items that I have bought at walmart have came up missing also. Called synchrony four times to dispute charges..
Consumer complaint received 2024-01-04
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I was looking into getting beauty treatments with XXXX in XXXX, IL. The representative mislead me to believe that it would only be a soft pull with my credit and that I would be charged on a " as you receive the service '' basis. At the end of the conversation after she had explained this, I told her that I did not want to move forward with their services because I felt like she was incredibly misleading as to how the payments would work, and that it is completely wrong to saddle someone with nearly {$5000.00} before they have even received your services. She responded saying that she was sorry that I felt that way but that everything was in writing. She purposely rushed me through everything and when I expressed some serious concerns she did not care in the slightest ( as referenced above ). I have now been sent a bill on XX/XX/2023 for {$4800.00} from XXXX XXXX, and I have no appointments scheduled with this business and have received no services from them. This is completely and utterly unethical. I would like to see if I can get this removed from my credit report immediately and get this business to do the right thing by removing this bill.
Consumer complaint received 2024-01-04
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: CITIBANK, N.A. (MD)

Im truly dismayed to see that there are SEVERAL fraudulent and unauthorized credit inquiries that I NEVER permitted on my credit report. I do NOT recognize ANY of the following inquiries and I am METICULOUS when it comes to managing my credit and finances. Please REMOVE these unauthorized inquiries at ONCE!

The following credit bureaus are reporting these unauthorized inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Dave Operating, LLC (TX)

I requested {$400.00} from Dave, Inc on XX/XX/2023 and received notice from Dave that the funds were credited to my account. The funds never credited and 2 weeks later, the {$400.00} was debited by Dave. I placed a claim with my bank and 2 weeks later they determined they are not at fault and to place a claim with Dave. I placed several claims with Dave and each time they reported they are not at fault and to reach out to my bank. Im inclined to believe Dave, Inc is at fault because this transaction was different because this time I chose to forego the processing fee which is added if you use your debit card and instead I chose to transfer to my bank account which will process the transaction within 2-3 business days. I showed them screenshots of my bank account showing I never received the credit and each time they point towards the courtesy credit that XXXX lent me during the claims process. XXXX took back their money which Dave support somehow can not see. Please help.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (DE)

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., has violated my rights. Account name : XXXX XXXX XXXX 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written 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 2024-01-03
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: ENCORE CAPITAL GROUP INC. (TN)

Midland credit management has 3 accounts showing on my credit report they are reporting as a COLLECTION yet also reporting as an OPEN account with a BALANCE which goes against FCRA compliance.i have mailed letters I have called trying to get proof these are mine with no reply!
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (NM)

I received a payday loan for {$900.00}, the total interest is 600.98 %, leading this to be over {$14000.00} in total, refinance is not an option according to the lender and they refuse to change my payment schedule
Consumer complaint received 2024-01-03
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: ENCORE CAPITAL GROUP INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management , Inc. regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. Midland Credit Management , Inc. has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. 

Unlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, Midland Credit Management , Inc. continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. 

Refusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. 

Potential Violations of Identity Fraud Protection : Midland Credit Management , Inc. 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. 

I have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. 

Enclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to Midland Credit Management , Inc., highlighting my attempts to resolve this matter directly. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Chase has flagged, froze, and closed my accounts for " fraud '' two times in a row. The first time I tried to verify my identity in person at a branch like they told me and the teller sent my information to the wrong person and my account got closed. Now they flagged my new account again after I tried to up the tip on a doordash order. They're to go up to a branch again but im really considering not bothering with Chase if they're going to keep screwing me over like this. I dont make a lot of money as is and i cant afford to have my bank account frozen all the time.
Consumer complaint received 2024-04-25
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CL Holdings LLC (IN)

My wallet was stolen in my personal information was inside they maxed out credit cards I tried calling to see if I could pay XXXX but they want the max balance and I dont have a XXXX dollars.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
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: HYUNDAI CAPITAL AMERICA (KS)

I paid off my car loan on XX/XX/2023. Hyundai sent me a message that the transfer of title and lien release letter will take 5 business days to be sent to XXXX DMV. it's been over a month and nothing has been transfered. Every time I call Hyundai Finance customer service they give me a run around and say they don't know when the transfer will occur. When I spoke with a manager he told me he understood my frustration but there is nothing he can do for me. I have searched on the internet and i am not the only one who has problem with receiving my title. Please help. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citi decided to terminate my checking account in 2023. While doing so, they blocked my online access to my Citi credit card accounts as well. When I call them, Citi representatives helped me register new online access, but within minutes the new access got blocked by Citi. This already happened 3 times. 

Citi also cancelled paperless services for my credit card, without asking for my consent.
Consumer complaint received 2023-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Firstsource Business Process Services, LLC (FL)

I was hospitalized agains my will. I tried to call many times XXXX XXXX  XXXX  for all information about my bill. I was a XXXX  in states and the bill for 2 days is totally agains my will. I want full bill with every single charge. They refused to send me this information.
Consumer complaint received 2023-04-25
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. (AZ)

I have mailed to TRANSUNION and XXXX about several credit cards they are reporting wrong. 
They dont budge, dont send proof of investigation and nothing is resolved. 

XXXX XXXX XXXX  reporting balance is XXXX but yet its XXXX but transunion still keeps same balance XXXX XXXX XXXX they show balance XXXX for months the balance is {$700.00} now last month it was XXXX XXXX  balance has shown {$1000.00} past 3 months but the balance is XXXX I have asked them to delete the following accounts because there closed, past XXXX XXXX of 6 years and they just refuse XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 5yrs 10  months old XXXX was opened in XX/XX/XXXX 6years old XXXXXXXX XXXX XXXX XXXX this acct was opened in XX/XX/XXXX 10years old XXXX of XXXX closed XX/XX/XXXX over 10 years old I have submitted request via mail three times the past two months.

Have information to prove it
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XX/XX/2023, I received my last statement for {$200.00}. I wrote and mailed the check on XX/XX/2023. That paid off my account. It was not due until XX/XX/2023. I know it did not take 12 days for my check to arrive at Capital One. Capital One failed to post the payment on time. They did not post it until XX/XX/2023. They claimed they did not receive it on time. In XXXX, I received a late charge of {$25.00} and interest charge of {$4.00}, equaling {$29.00}, claiming my payment was late. I filed a complaint with Capital One. They sent a response telling me to call them. They gave me the run around. I explained my problem. They refused to listen to me, claiming I am liable for their error. I know I can not be responsible for a late charge when I mailed the payment the same day I received the statement. Since then, Capital One is saying I owe over {$52.00} in late and interest fees. This account is closed. The matter is for the account ending XXXX as I do have other accounts with Capital One.
Consumer complaint received 2023-04-16
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)

AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account XXXX XXXX XXXX XXXX XXXX  the XXXX credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( 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 any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY