davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I open a secure credit card and gave them {$300.00} The account was closed XXXX they are saying it was closed XXXX? And charged off in XXXX. 
They are saying that I owe {$490.00}. Still? How can that be possible if I only had a {$300.00}. Credit limit and they took the {$300.00}. When they closed the account? And they charged off the amount and got that Also. They are still reporting this to the credit bureaus after being charged off and took the {$300.00}. And closed for XXXX  years. This bank are crooks. So basically they want me to pay {$490.00} still even though they took the {$300.00} on deposit and charged it off. So I'd be paying {$790.00} for a {$300.00} credit card. I asked about this and they just says yes to pay an additional {$490.00}? I asked what for with no answer.
Consumer complaint received 2021-01-12
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)

Case number # XXXX account # XXXX I was billed for a purchase on XXXX. the purchase was cancelled and the merchant was suppose to return the money like they did with the other charges that were cancelled. around the same time on the same card. 
Capital one was the credit card issuer. I have received nothing for this charge and informed capital one to dispute the charge. but for some reason capital one is not disputing any charges. I turn over a lot of evidence for the various charges and capital one always comes back even when the merchant does not even dispute the charge back, with, '' we need more information '' and because i did not provide the information they were asking for they repost the charge to my account and expect me to pay for something i did not receive. I am really getting tired of dealing with them and fighting them so many times for a charge back. that is very easy and legit. 
I want CFPB to fine capital one or refer capital one to a government agency which has the power to fine them. I have reported it to capital one with in the 180 days I am aloud to and even with a not received merchandise charge back there is no time limit.I am a XXXX  also.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

I went to purchase a vehicle from XXXXXXXX XXXX XXXX XXXXXXXX. 
my first initial contract with them. I was finance through a company. And I left a deposit of XXXX that I took from my account. At Wells Fargo. 
Upon discussing this issue with a sales rep, he advised me that I could go and get a loan from my bank. I did inturn contact a bank. Which is XXXX XXXX. 
They gave me an auto loan for the total amounthe vehicle. 
So in turn I request for my original down payment of {$1500.00} be returned to me now that I had a check for the total amount for the vehicle this was at XXXXXXXX XXXX XXXX  XXXX. 
So since I could not get my {$1500.00} back I had notified my bank which was Wells Fargo to stop payment and let them know that I was having a discrepancy and explain to them the situation and turned they had informed me that they was going to stop it and look into the matter so in turn Wells Fargo ask me to send all related documents which was a copy of the check which was a copy of the sale which is a copy of the receipt of the amount {$1500.00} was taken from the account to give to the dealership as a down payment and also {$67.00} now my account is overdrawn by {$700.00} and some change and that is due to Wells Fargo taking the {$1500.00} back out of the account I feel Well Fargo has not done their job and rectifying the situation this was not alone from Wells Fargo this is was my personal funds that was in this account I feel Wells Fargo is being negligence I feel discriminatory against me rather I feel that Wells Fargo did and turn help me just to in turn to say that they was not originally going to allow me to keep my money which is wrong I am requesting that Wells Fargo do another investigation I feel I would like Wells Fargo to return the {$1500.00} I did in turn went and faxed all the paperwork that they had asked me for I did in turn have to go back into the bank and have the bank to fax the paperwork off just to get a denial result out of this situation if you need more information please contact me
Consumer complaint received 2023-05-27
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5100.00}, XXXX  Original creditor XXXX  XXXX XXXX  : {$18000.00}, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-12
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. (SC)

I noticed that i have been a XXXX  of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

I received an email from a MRS BPO LLC on Friday XX/XX/XXXX of 2024, I will attach screenshots, of some debt I supposedly owe to XXXX, which I already just filed a complaint against XXXX too on here thru CFPB. 

First off I do not owe XXXX anything, I switched cell phone providers last year in XXXX, so I did not use their services And second how is this company going to contact me to collect on some debt I dont even owe that XXXX has already had reported to the credit bureaus on my credit file!? 

This company needs to cease & desist any & all forms of communication with me now
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX   XXXX {$630.00} XXXX  XXXX {$2600.00} XXXX   XXXX  XXXX $ XXXX XXXX XXXX  XXXX {$1000.00}
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you
Consumer complaint received 2023-03-06
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. (GA)

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. 

XXXXXXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 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 or 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX / XXXX EQUIFAX , with XXXX XXXX XXXXXXXX account # XXXX. Under the FCRA, my rights to privacy and control over the reporting of my credit information are clearly outlined and protected.

Specifically, I would like to draw attention to two sections of the FCRA that have been infringed upon : In accordance with the fair credit reporting act 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.

Please, I urge you to contact the relevant credit bureaus immediately to request the removal of any potential negative entries related to this account. The presence of this information is hindering my financial prospects and access to financing.
Consumer complaint received 2024-03-05
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc. (PA)

I am writing to dispute the XXXX late payment reported by KikOff Lending , LLC. on my credit report. I believe that this information is inaccurate and I would like it to be removed. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the " maximum possible accuracy '' of the information they report. This includes verifying the accuracy of the information with the original creditor before reporting it. I do not believe that KikOff Lending , LLC. has done this, and I request that they be contacted to confirm the accuracy of the information they have reported. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using " false, deceptive, or misleading representations '' in the collection of a debt. As KikOff Lending , LLC. is a company that offers credit building services, I do not believe that they are a debt collector. However, I would like to point out that any communication or representation they have made regarding this late payment may be in violation of the FDCPA.

Furthermore, the Credit Repair Organizations Act ( CROA ) prohibits credit repair organizations from making false or misleading statements regarding their services or the services of any other credit repair organization. I would like to bring to your attention that any statements made by KikOff Lending , LLC. regarding their ability to help my credit may be in violation of the CROA. 

In light of the above, I request that the XXXX late payment reported by KikOff Lending , LLC. be removed from my credit report. I would appreciate it if you could conduct an investigation into this matter and provide me with the results in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rapid Collection Systems, Inc. (AZ)

When we received notification that a debt collector was attempting to collect a debt which we believed was fraudulent. We immediately contact the debt collector and requested documentation showing debt was valid. After 35 days we received an email they spoke with the original creditor and was told debt was valid. When we again requested written documentation showing the debt was valid the debt collector advised us they would no longer attempt to collect the debt but refused to provided the verification of debt.
Consumer complaint received 2024-03-05
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: OneMain Finance Corporation (NC)

There are two hard inquires that I do not recognize on my credit report. 

ONE MAIN FINANCIAL - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I called Lightstream because I did get a loan from XXXX for a debt settlement with a much lower interest rate. 
Light stream is making me pay the loan off on Thursday, XX/XX/XXXX when I want to pay off the loan today to avoid excessive interest fees. 

They told me I could not pay off the loan today Tuesday, XX/XX/XXXX and I had to wait until Thursday, XX/XX/XXXX this is illegal and I want Lightstream to pay me back the interest I was over charged about {$400.00}.
Consumer complaint received 2023-05-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Bread Financial Holdings, Inc. (IL)

I had a cd mature on XX/XX/23 with XXXX XXXX '. Was told there was a 10 day grace period to renew. On the renewal date, the rate for a 1 year cd was 5.20 % with a 'loyalty ' bonus of 5.40 % and that if the rate went up or down during the grace period, I would be entitled to the highest rate offered during that grace period. On XX/XX/23, with 2 days left on my grace period, I called in on a recorded call to renew at the 5.40 % rate with the understanding from representative 'Eithan XXXX that if the rate goes up in the 2 days left on the grace, I would get the higher rate. XXXX also indicated that if the rate goes down, I would be safe and locked in at the 5.40 % rate. I renewed on XX/XX/23 at 5.40 %. On XX/XX/23, I called in to confirm everything with 'Tay XXXX who I was told was a supervisor, told me my cd renewed at the 5.25 % rate. She was not professional, very condescending and could not help me get the error corrected. Also spoke to a representative by the name of XXXX XXXX who also could not help me. Very troubling situation, and very poor customer service from phone reps that appear to be in other countries.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2021 I received a call from a family member that they received an already opened packet of information that contained account information, account numbers, balances and information pertaining to an attempt to collect a debt. 

On XX/XX/2021 I called Transworld Systems Inc. who is the company that sent this communication to my family member 's address. I spoke to XXXX XXXX, a supervisor. 

I asked them who consented to them contacting my family member and who authorized them to send them an entire account history? XXXX was unable to find out where they got my family members address from. 

I notified her that XXXX XXXX XXXX  XXXX which is the original creditor has my current information due to a current and pending legal matter I have with them regarding this same debt they are attempting to collect. 

On XX/XX/2021 I gave Transworld Systems a cease and decist notice and they continued to contact me but this time they sent the communication to a relatives house and not mine.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

I have tried twice to remove inaccurate addresses and names from my Equifax report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.
Consumer complaint received 2022-08-17
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. (IL)

HI. 
I have requested Transunion to remove addresses, phone numbers and employment information that do not pertain to me since XX/XX/2022 and I do not see that they have been removed. 
Please do what is necessary to have those addresses removed from my credit report. thank you. 

Remove address that I don't reside at : XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX, XXXX il XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX il XXXX phone numbers that do not pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employments data : XXXX XXXX XXXX of XXXX XXXX worker traffic clerk
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I filed a complaint about Bank of America on XX/XX/XXXX, and received a response from said company in writing on XX/XX/XXXX that advised that I requested that the account be closed on XX/XX/XXXX. I have called XXXX XXXX to discuss this matter and have not received a response. 

I never made any such request. This request would have to be made in writing and therefore there should be some documentation to support this claim. I am requesting proof as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aargon Agency, Inc. (IL)

This debt was disputed and removed from my credit report approximately 5 years ago. It has reappeared on my credit report with incorrect information. It states the date of last activity was XX/XX/year> and the date the account was opened was XX/XX/year> which is deceptive and violates my right to the statue of limitation because the debt is over XXXX XXXX XXXX. Aargon Collection Agency has also violated 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. The unrightful reporting of this debt has resulted in financial set backs.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MT)

I'm filing a complaint with Consumer Financial Protection Bureau against XXXX XXXXComentiy Bank. XXXX XXXX was directly paid out of my bank account on XXXX and have not credited my account for the payment. Despite in a timely manner ( XX/XX/XXXX ) I brought it to XXXX XXXX XXXX attention, but it was blown off as not paid and I continue to have accumulated late fees. This needs to be corrected and as well as any repair made to correct my credit report. The bank statement attached showing the payout to XXXX XXXX 

From : You Sent : Sunday, XX/XX/2021, XXXX XXXX  ( ET ) To : Comenity Bank Subject : Payments Message ID : XXXX I make a payment for {$14.00} to pay off my balance on XXXX from my bank and it was recieved by XXXX XXXX on XXXX. I recieved a paper check for {$14.00} written out to XXXX XXXX. Why was it mailed to me? I have tossed it out. Also, I have not been credited for that payment, which shows paid from my XXXX XXXX XXXX XXXX. Please credit my account to XXXX balance due. Thank you From : Comenity Bank Sent : Monday, XX/XX/2021, XXXX XXXX  ( ET ) To : You Subject : Re : Payments Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your credit card account. I'm happy to help you today. 

We have not received your payment. 

We have not received a payment to your XXXX XXXX account. 

Please be informed that the mailing address for the payments is : Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for your loyalty - have a great day. 

If you have any questions, please click the reply button. 


Sincerely, XXXX Internet Customer Care Team