davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: New Century Auto Sales, Inc. (OH)

Applied for financing XXXX. Seen that there were two additional credit pulls XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which were unauthorized and constitutes as identity theft and fraud. They will not address the matters as I had attempted to several times.
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Adonis Auto Group, LLC (TX)

I took a loan out on a car from Adonis Auto Group in XXXX, Texas XX/XX/XXXX and it has been a nightmare ever since. Within a week of me having the car, it had to be taken back to be serviced for the brakes and rotors. When I got it back, it was doing the same thing it was when I took it in. My car shook really bad when braking, it jumped really hard when pressing the gas to go from a stop. The vehicle was wrecked and they failed to tell me about it and when I told them about it, they said they don't pull any reports on the cars they sell. In XXXX, my payday changed to Thursday instead of Wednesday. I emailed them 4 times and called them to make sure they received it. They said they did and would update my account. They did not and proceeded to illegally report inaccurate credit items. On XX/XX/XXXX, the engine went out on the vehicle an hour away from home. I called Adonis and let them know. She said she would update my account and I would hear from the higher ups on Monday. I did not. I got a call on Wednesday, from Adonis, asking if I was surrendering the XXXX because I did not make the last payment. I let him know about the call on Friday and he said there was nothing in their system about me calling them Friday. I've spent XXXX of dollars trying to fix this piece of junk they sold me. I tried to get my money back last time I submitted a complaint against them and was instructed by the XXXX to let them fix it. Now I am out a vehicle, my credit has dropped because of them illegally reporting late payments and now I'm about to have a repo. They sold me an unreliable, previously wrecked vehicle to put my family in. I pulled a XXXX on it and when I brought it to their attention, they said they don't pull XXXX  on any of their vehicles. The vehicle was totaled out by the insurance in Florida in XXXX. The way they do their customers is not right. The way they are supposed to do their job, is not done correctly. This whole process has been horrible from the very beginning.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

I called my XXXX XXXX XXXX from Comenity Bank customer service today on XX/XX/2023. To simply ask for a new card to be sent to the mail because I lost my old one. I was put on hold for a while and transferred to fraud protection and the lady told me that my account has been closed due to suspicious activity. And I told her what activity? I've been using my card frequently and been paying on time. She kept telling me that a letter will be sent to me and that there's nothing else I can do. 
I asked if she can transfer me to someone who can help me or give me a number to someone who can help me but she told me that I'm already speaking directly to the bank and that if i wanted i can reapply in XXXX. before calling customer service I was already on my account online I had XXXX in credit available. By the time the call was over I loged in again and all of a sudden XXXX credit was available and no due date. I don't understand why they messed with my account for no reason. I've been paying on time and it's unfair that my credit score is going to take a hit
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (NY)

On XXXX XXXXXXXX  the credit card company Genesis FS Card Services Inc charged my bank card {$690.00}, that charge was reversed by the bank. The company attempted to charge the same amount again on XX/XX/, that charge was not reversed. When contacted, they stated that I attempted to pay my bill in full. I informed them that I have not had access to my account for weeks, so I couldn't have made that payment. They stated that I can only regain access to my account when they receive a faxed copy of my state ID for account verification. I submitted a copy of my faxed ID on XX/XX/2023, gave then 5-7 business days to receive it and restore the access to my account. On XX/XX/XXXX they were contacted again because I still did not have access to my account. They stated that the ID was received, but I needed to send another copy because they one they received was too dark. I asked if I could email a copy because the process is taking too long, and I was informed that fax is the only way. I was also informed that even though I am locked out of my account, I could pay them over the phone for the full balance and all the late fees if I wanted to close the account. It is Currently XXXX XXXX XXXX, and I still do not have access to my account even though my ID has been faxed more than once.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tally Technologies (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-28
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. (LA)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

To Whom It May Concern, I am writing to dispute the validity of a debt currently being reported by Midland Credit Management on my credit report. l am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX. There is no contractual agreement between me and the collection agency, and I have not received any verification of the debt 's validity. 

On XX/XX/2023, I received a communication from Midland Credit Management Inc stating that I owe a debt in the amount of {$1300.00}. However, I have not entered into any contractual agreement with Midland Credit Management, nor have I received any communication from them regarding the alleged debt before that date or the original contract as requested. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon my request. I kindly request that you thoroughly investigate this matter and require Midland Credit Management to provide the following information : 1. Documentation of Original Agreement : I request the collection agency to provide a copy of the original contract or agreement, demonstrating that I am legally obligated to pay the alleged debt. 

2. Documentation of Contract/Agreement with Midland Credit Management that I owe the collection Agency this debt. I did not sign any paperwork or contract with Midland Credit Management Inc. 



As of now, I have not been presented with any evidence validating the legitimacy of the debt. Therefore, I urge the CFPB to thoroughly investigate this matter and ensure that Midland Credit Management is in compliance with all applicable laws and regulations. 

I request that any negative reporting of this debt be suspended on my credit report until the investigation is complete, as the accuracy of this information is disputed. 

Please acknowledge receipt of this dispute letter and inform me of the progress of the investigation. I expect your timely response within 15 days from the receipt of this letter, as stipulated by the FDCPA. 

Thank you for your prompt attention to this matter. I trust that the CFPB will diligently address this dispute and ensure that my consumer rights are protected.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (GA)

On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( XXXX ) credit bureaus whereas this account appears that I have no knowledge when or where this account was originated.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NV)

Secured credit card account was paid off, then closed by the company. The balance of {$1000.00} is due to me the consumer since this account was secured. Credit Cards should NEVER be closed.

( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.

( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (TX)

re. Marcus GM card no. XXXX XXXX XXXX XXXX On XX/XX/XXXX the account had a credit balance of {$780.00} On that same date I made a written request to close the account and mail the proceeds to the address of record ( Marcus has acknowledged receiving this correspondence and my directive to close the account ) Shortly after this date I received a check dated XX/XX/XXXX in the amount of {$780.00} After that date, even though XXXX had directed Marcus to close my account with a XXXX balance, I began receiving bills from Marcus indicating that I owed fees on the account I called Marcus several times ( XXXX ) but was told they did not close my account even though they acknowledged receiving my written directive to close the account on XX/XX/XXXX with a balance of XXXX They now tell me I must pay the fees they have charged me after my closing letter of XX/XX/XXXX before they will " close '' the account This may be part of a Marcus/Goldman Sachs strategy to attempt to recoup the {$10.00} XXXX dollar net earnings drop they experienced in XXXX This is the same company which received a {$10.00} XXXX bailout from the US government in XX/XX/XXXX because of financial mismanagement All I am asking to for Marcus/Goldman Sachs to honor my written directive to close the account effective XX/XX/XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (LA)

XX/XX/XXXX ; 2023 Spoke to representatives named XXXX, XXXX, XXXX and a few other reps who constantly transferred me, failing to help me dispute a cash advance fee placed on my credit card by XXXX. I did not get a cash advance from that merchant. I made that clear to Barclays XXXX. They refused to remove the charge and did not allow me to dispute it. They continued to place me in this vicious cycle of transferring me from one person to another. Then they removed the dispute charge link from my access to block my ability to dispute this charge. I am so traumatized by this business shenanigans. The fee is erroneous and I made that clear. Their associates refused to allow me to dispute it which is my right.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

The Amount owed was not XXXX it was XXXX. This amount and Charge off happened during where I was under the impression that Chase due to Covid relief was to put the amount to Forbearance or allow myself to have lower payments due to XXXX.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (DC)

I settled my charged off jp morgan chase account in XXXX of 2022. It shows a XXXX balance and closed on my XXXX and XXXX reports but XXXX shows that I still owe over XXXX. I attempted to dispute it but was told I had previously disputed
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC placed my account with Resurgent capital services ( collection agency ) on XX/XX/2023 and {$770.00} must be paid. I never had an account with LVNV. 
I attempted to call Resurgent Capital Services, but nobody answered the phone. 
Resurgent Capital Srvc XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

I was a victim of identity theft by a family member. I disputed a fraudulent credit card debt with Navy Federal Credit Union and all credit bureaus. I contacted Navy Federal on today XX/XX/2023. I was transferred to the credit card department I was asked for my social security number I explained to the rep in brief detail why I was calling. My main purpose was to ask why someone in their ( Navy Federal ) credit card department was fraudulently reporting erroneous payment data to XXXX, XXXX, and XXXX XXXX. I explained to them that they were in violation of the FRCA which is a serious violation. Navy Federal is not only reporting a fraudulent account but increasing the balance by small denominations. When I realized the account was on my credit I called and requested it be closed down this was in XXXX but yet Navy has reported the following data for the last 5 months as 30, 30, 30, 60, 90 days late. This is fraudulent. I did explain that they have an obligation to provide me with validation of debt. The representative I spoke with stated that her supervisor told her to tell me that they couldn't speak to me further because I was seeking legal action against them. But yet they have the audacity to try and intentionally harm my credit.
Consumer complaint received 2018-10-12
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: CNG FINANCIAL CORPORATION (CA)

Hello, This company placed hard inquiries on my XXXX credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( Check n Go/ Axcess Financial ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you.

Axcess Finan Inquiry from XX/XX/2018 Axcess Finan Inquiry from XX/XX/2018 Axcess Finan Inquiry from XX/XX/2018 2018
Consumer complaint received 2023-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

I had submitted Complaint Id XXXX and the response offer from wells fargo was if i paod {$990.00} by XX/XX/2023. All interest charged would be waived. I paid the required amount online and interest of more than {$1500.00} has not been waived. I have attempted to talk to the escalation person who sent offer and left multiple messages but no response or call back
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX Reported : XXXX XXXX, XXXXXXXX XXXX XXXX Reported : XXXX XXXX, 2023, XXXX XXXX  XXXX Reported : XXXX XXXX, 2023, 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 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.