davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

I purchased a car in XXXX from US Auto Sales with a two year warranty. It came time for me to use my warranty go get some repairs done and when I called the warranty company they advised me that my warranty did not exist because US Auto Sales never paid and they havent been paid in a very long time. {$2800.00} is added into my purchase agreement and XXXX  can not even use it. U.S. Auto Sales has closed all of their dealerships as of XX/XX/2023 and transferred all of our up-to-date accounts to Westlake Portfolio Management, a debt collection agency. How is that possible when my account was never in default? Now my credit is taking a downfall because of it. US Auto Sales is also ordering repossessions on vehicles. I was told that they are doing that so we can get a new contract with Westlake and get the cars back. Im disgusted with this.
Consumer complaint received 2021-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/21 I paid XXXX for my grandmother 's funeral. At that time, I was told by Mr. XXXX, the funeral director, I would be reimbursed for the funeral expense 's once the policy paid out. XXXX XXXX XXXX XXXX received a second payment from the XXXX XXXX company and then gave my money ... my refund to other parties instead of refunding to the original form of payment ... my Capital One credit card.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DE)

Macys department store has not come clean. I have two accounts and no credit cards! Its been some years maybe 8 since I had and used the XXXX XXXX/Macys card. They contacted me and stated they were no longer using XXXX XXXX-backed macys cards but would send a replacement. XXXX have used it once or twice. But since misplaced and called and received a new card. Now when I happen to be in the city I use my ID for the XXXX purchases. This year I have had a balance each month I pay off in full. I try to use the automated teller but I am unsuccessful each and every time because the robotic voice transfers me to a person to pay and I am charged a {$5.00} fee. I want to fight any fees charged because I put in my social security number and I get nowhere. They say I have no account number or the wrong account number. I received a notice for another account about changing the policy on late fees. I am unable to get clarity on my account or any accounts associated with MY social security number. The calls are routed to another part of the world outside the XXXX XXXX where I cant get satisfaction of oversight or assurance,
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (AL)

I have sent debt validation letters to the following companies : Amsher Compassionate Collections ( XX/XX/2021 ), XXXX XXXX XXXX, LLC ( XX/XX/2021 ), XXXX XXXX XXXX XXXX XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

AmSher : Has not provided proper validation of the debt owing to me XXXX : has not responded XXXX : has not responded Merchants : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

I received a harassing phone call from CREDENCE RM about a XXXX XXXX  bill in the amount of {$1000.00}. I had no idea this existed a Is have no knowledge of the account. I never received any correspondence on how to dispute the validity and request verification for the account.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (MD)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. The reasons behind reports of late payment remarks on my accounts are unclear to me. As per 15 USC 1666b - Billing Error, this should be addressed.
Consumer complaint received 2023-05-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following XXXX  XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Consumer complaint received 2023-05-09
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NV)

National Credit Systems Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX updated on XX/XX/XXXX I don't recognize the accounts in question. I have no outstanding balance with any company or creditors and didn't sign or authorize any accounts with this company. I'm a victim of identity theft and have been since XX/XX/XXXX. Police report # XXXX
Consumer complaint received 2023-05-09
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC. (FL)

My dog was with XXXX XXXX for about about a week before he almost died in their care. I received a call on Friday morning ( XX/XX/XXXX ) from XXXX saying that my dog was unresponsive and had XXXX  XXXX and he had to be taken to the vet for care. Later that afternoon I received a call from her and was told that my dog may have gotten " a little too hot '' while on a walk the previous day and that was the cause of his XXXX  XXXX. I was then told by the vet that my dog had a XXXX  XXXX on a walk with XXXX on Thursday and that the XXXX  XXXX caused a chain of reactions with my dog 's health and in addition to a XXXX  XXXX he now had to battle a XXXX XXXX and XXXX which is a XXXX XXXX XXXX which has a bad prognosis and almost killed him. My dog is now in a state where he barely walks and will take several months to make a full recovery. Now after all of this and with my dog back in my care after a week with her she refuses to give me my money back. She also blaims his issues on his " poor health '' from a bad diet but refuses to acknowledge that the initial reason he went in there from a XXXX  XXXX that was caused by her exposing my dog to sun for too long without taking care to make sure he didn't get too hot. All I want is the money that I paid for a service that I didn't get back and she refuses to give me my money back or make things right. So I had to file a dispute on XX/XX/XXXX with my bank ( Ally ). The transaction was made for {$3500.00} on XX/XX/XXXX. My bank closed the dispute on XX/XX/XXXX saying they couldn't get the funds from the merchant but the merchant is saying the funds were taken from their account already. They showed me proof it was taken out on XX/XX/XXXX. My bank is saying they tried to take the money from the merchant but they weren't able to but the merchant is saying it was taken out and their bank told them that the dispute was closed and their is nothing that they can do. I just need clarification on where the funds went and who has what and see how I can get my money back. Because I'm not sure if I was lied to or if {$3500.00} just disappeared.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested the correction of inaccurate information that another credit reporting agency found inaccurate and had removed it. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (SD)

PNC Bank OWES Me. 
CFPB Complaint # 's XXXX and XXXX and now this 3rd Complain on PNC.

# 1-PNC Allowed Fraud on both my accounts, checking and credit.

# 2-PNC did not honor A Stop payment I asked them to Not Pay.

# 3-PNC Did Not Honor All the Disputes I Had to File Because of the Fraud.

# 4-PNC Says It did Nothing wrong and expects Me to Pay Back {$2000.00} Plus, more dollars to satisfy recoveries. With all the fees, all the disputes, the {$700.00} stop payment. The balance would put money back into my new bank account.

And that's why I am now filing this third complaint against PNC bank. Because PNC Recoveries just called me asking for {$2200.00}.

The CFPB did not seem to help me with the case, because of the resolution. Because PNC bank was not held responsible for their errors in banking. Errors in allowing Fraud and errors in not honoring banking processes.

From The 1st complaint to the 5th complaint there has been zero dollars returned.

Complaint # 's 1 & 2 & 5 are complaints against financial institutions.

All 3 closed with nothing done wrong or true complaint and zero returned to me.

Complaint # 3 against the XXXX XXXX XXXX XXXX. 
Closed with nothing returned to me. Call Them Yourself Sir. 
Complaint # 4 against XXXX XXXX XXXXXXXX. 
Closed for me and without my knowledge. 

So, this complaint is against PNC. 
Not The CFPB. I was only reporting what has happened with my complaints at the CFPB. 
I hope that the CFPB Stops PNC bank from asking me for money and or collecting any more money from me and anyone else. Because of the banks own negligence. 
I hope that this CFPB process keeps improving and turns into a benefit for me. 
Thank You CFPB. 

XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX : XXXX CARD ENDING IN XXXX XXXX XXXX XXXX XXXX CARD ENDING IN XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

Dates that I have been disputing the charges and balances myself. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Speak to XXXX XXXX XXXX National Credit System XXXX she said that was not willing to work with me. 

And I also have a collection repair company helping. And they started sending letters to National Credit System on XXXX. 

XXXX XXXX which is the original creditor. Misinformed this third-party collection agency National Credit Systems . I'm not sure exactly what was communicated between XXXX XXXX and National Credit Systems when it comes to the balance that I owe. I informed XXXX XXXX that I was moving out on XX/XX/XXXX. As I was moving out the manager XXXX was kind of upset that I was moving out He was giving me a hard time today that I was moving out and from the movers. even though I gave them a 60-day notice the day that I was going to be moving out which is required based on the lease agreement. On the day that I moved out, I gave the least assistant manager the keys to the apartment that was moving out on. So, I don't understand why I am getting charged for the whole month of rent if I didn't stay a whole month based on my agreement of moving out. This is why the National Credit system is charging me more than what I was supposed to be charged with XXXX XXXX already collected by keeping my security deposit. If my rent was {$930.00} a month how did it get to the amount that they're trying to charge and they're trying to charge me for the whole month 's trash, I don't know what the misc charges are and utilities. Where I pay my own utilities, I'm not sure where that's coming from. And on top of that National Credit Systems, I also sent some named XXXX XXXX acct number XXXX address XXXX XXXX XXXX XXXX XXXX GA XXXX along with my mail in my letter envelope had someone else 's collection letter saying that they owe a debt. When I spoke to the collections representative XXXX XXXX XXXX ) and I'll let her know she didn't seem to be bothered and she did not care. And she was not willing to work with me today regarding this collection balance due to me. 

I let some codes here. I hope they will help. 
15us code 1692 c 15us code 6801-6803 15us code 1681H 15us code 1681i 15us code1681a ( 2 ) ( b ) 15us code 1692 ( c )
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 items of information, other then 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 2023-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

National Credit Systems The company has failed to notify me of my debt. 
I was XXXX  due to a major XXXX and was evicted from my home. I did not receive written notice of this debt. It is my understanding that according to the FRCA failure to notify the debt is illegal. Participating in illegal collection practices is illegal. 

National Credit Systems has also failed to validate and verify this debt after sending multiple request. 
Date of request are XXXX XXXX XXXX XXXX XXXX XXXX