davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Despite the multiple previous written requests, the CAPITAL ONE account still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

I C System has been sending me collection notice in the amount of {$2300.00} the collection has been reported as pass due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vargo & Janson PC (CO)

I received a notice of Collection letter from Vargo and Jansen. I submitted a request to have the debt verified. I outlined specific Information that needed to be included. I said that if it could not be provided to me, to not contact me again. Vargo & Jansen still contacted me trying to use their generic tactics to verify a debt. A couple of statements showing no activity and fees being charged on top of fees doesnt cut it. I asked for the original signed contract between myself and the original creditor. That was not provided. I feel that Vargo and Jansen violated FDCPA because I asked not to be contacted if that couldnt be provided. They contacted me anyway. I am currently working with a family friend to take Vargo and Jansen to small claims court for the FDCPA violation. I do not owe this debt. I have attached the letter I sent and their response.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX =. Case #. XXXX Set up a case with XXXX requesting Capital One Bank Participate in Arbitration - I have paid the {$200.00} fees and Capital One has yet to respond. The deadline was for XX/XX/XXXX. XXXX. 

I paid for the cost of the Arbitration however Capital One has not. The XXXX sent numerous requests to Capital One via certified mail but to date has been ignored. 

According to the Terms and Conditions of. Capital One I am required to start a Arbitration action prior to any civil action. 

I am requesting that the CFPB contact Capital One and advise them to continue the Arbitration Process. 

Regards
Consumer complaint received 2021-08-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2021 I submitted a dispute with a police report to address an identity theft issue on my experian credit report. On XX/XX/XXXX, experian notified me of the results of this dispute and subsequent removal of this item. On XX/XX/2021 and XX/XX/2021 experian then stated they confirmed this account was mine and will continue to report it on my credit report. I received 3 dispute results that conflict with each other for an item that is clearly not mine.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NY)

according to 15 USC1692b Chase bank is violation of my privacy they are speaking about my debt to other people ( the bureau ) without my consent and they are unlawfully trying to demand to pull my credit report and give me an inquiry as that is unlawful just like I told them.XXXX  out the balance on this account a consumer is not obligated to pay debt. Fact, Truth and Lending is intended to help the consumer avoid the uninformed use of credit and to protect the consumer against inaccurate and unfair credit billing and credit practices and I, the consumer did not receive meaningful disclosure so be it.XXXX  out the balance on this account. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have noticed an account reporting on my report I do not recognize According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have two  checking accounts with USAA. I asked for over draft protection for account ending in XXXX and to be secured with my USAA savings account. The agent of USAA did the set up but put over draft protection on the savings account with checking account as the cushion. This was done on XX/XX/XXXX. I had a NSF fee of {$29.00} assessed to my checking account because the agent placed the over draft on the wrong account and now they will not reverse my NSF fee.
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

This is written notice to ceo of XXXX XXXX  XXXX XXXX XXXX that I am invoking my right of rescission pursuant 15 usc 1635. My assignment rights have been violated. I rescind all signatures, endorsements, and consents of my information there of. I expect my information be deleted, any obligation be set off, any security interest cancelled and all money be mailed by check to the address of XXXX XXXX pursuant 15 usc 1635 in good faith.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (IL)

I obtained property from XXXX XXXX XXXX  using Acima. When purchasing this product it specifically stated that it was a lease and not a loan. Having had the product for a few months I decided that I did not want it anymore, therefore I was able to RETURN IT to ACIMA, the rightful owner. The agent on the phone advised of my return options, relating that it can be returned directly to ACIMA via shipping or it can be donated and will be considered paid and closed as it is NOT a loan. Under the direction of ACIMA, I donated this property to a not-for-profit organization as shipping it was not an option. ACIMA then suspended the collection of further payments and actually REFUNDED ME. I took a look at my credit report and noticed this account showed, paid, closed {$0.00} balance yet the remarks state this was voluntarily surrendered. How is that so? I never owned the property, therefore I can not surrender what it is not mine - it was a lease not a loan. This ofcourse negatively impacted my score drastically. After contacting ACIMA regarding this, I received a call from ACIMA on todays date to which the female employee stated that I could no longer make the payments thats why it was surrendered ( repossessed ) and they refunded me. WHY ARE YOU REFUNDING ME IF I OWE YOU??? It does not make sense. I demanded that they update the creditors to reflect the correct information to which they declined! I never owned the property, I never agreed to purchase the property - hence it being a LEASE. It should not be reporting as voluntarily surrendered because it was a RETURN! Again, it states PAID, CLOSED, {$0.00} Balance.. yet it was surrender? They REFUNDED ME!!!
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Subject : Request for Assistance Regarding Denied Claim by Citibank for Fraudulent Transactions Dear CFPB, I hope this letter finds you well. I am writing to express my grave concern and to seek your assistance regarding an issue I've encountered with Citibank, concerning the denial of a claim related to fraudulent activities on my account. 

On XX/XX/XXXX, my Citibank account was compromised, resulting in XXXX unauthorized wire transfers made to a fraudulent party. These transactions amounted to {$1600.00} and {$800.00}, in addition to {$50.00} in bank charges for the wire transfers. Upon noticing these fraudulent transactions, I immediately contacted Citibank to report the issue, requesting that my account be locked to prevent further unauthorized activity and that the fraudulent wire transfers be reversed. 

Despite my prompt response to the situation, I was disappointed to receive a denial letter from Citibank on XX/XX/XXXX. In their correspondence, Citibank attributed the denial of my claim to my alleged failure to take adequate steps to protect my account. However, this reasoning overlooks the fact that the security breach was a result of vulnerabilities within Citibank 's own system, which allowed the hacker to access my funds. 

Further exacerbating my concerns, upon visiting the Citibank branch in XXXX, CA, where I initially opened my account, I discovered that several other customers had experienced similar security breaches. This pattern suggests a systemic issue with Citibank 's security measures, rather than individual negligence on the part of affected customers. 

Despite my efforts to collaborate with Citibank to resolve this matter, I have faced considerable resistance. Citibank has refused to reimburse the stolen funds, citing that the culprit had already withdrawn the money from their system. Additionally, my requests for access to their investigation report have been met with refusal, leaving me without insight into the steps, if any, Citibank has taken to address the vulnerability that led to this breach. 

Given these circumstances, I am reaching out to your organization for assistance in investigating Citibank 's handling of my case and those of other consumers who have fallen victim to similar security breaches. The savings that were stolen constituted funds I had set aside for my livelihood, and I believed them to be secure under Citibank 's protection. 

I am placing my trust in your ability to help rectify this situation and to ensure that adequate measures are taken to prevent similar occurrences in the future. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

hello, I have business account with Bank Of America for the last 2 years. its very hard to get in to the bank, they have restricted ours, all employees of Bank oaf America close the location for no reason. I wait again for 2 days to get appoint to open my escrow account requiem by the state for my business XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I open personal account for my parol, which was convenience! I try to login to my accounts, no of the the works! I cant login to business account, Dost work. I try my personal account dost work! I try to get appointment to the branch, they are not available. How did we get to the point, that banks to return your calls and not responsible for get you information as a client. After all money that Bank of American got from Government, we still not serving a small business. The only number from Bank of America was available for my call was if you want to buy a stacks. Maybe be is a time for Bank of America to get out of regular banking and just to do stack market!, on the meant time Im stack with incompetence of transfer Business accounts to Personal accounts, and no answer. Bank of America cant process personal account and business account the same time!!! Its time for Bank of America to Retire! They have been taking enough money from government to supplant they personal benefit of CEO to rest of their lifes, its time for change! incompetence cost you money! They never have been for the small busies in a first time!,,
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (CA)

My first attempt has been completely ignored by CARMAX this is my 2nd attempt to resolve this matter. I wish to bring to your attention my dispute concerning a consumer credit transaction that transpired with CARMAX. Upon careful review of the automobile contract, I have identified discrepancies that contravene the Truth In Lending Act. This letter serves as a formal notice of these violations. I do also want to bring to your attention Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. 
In the course of the consumer credit transaction, where credit was extended, CARMAX has mischaracterized the nature of this arrangement, representing it as either a loan or a Retail Installment Sales Contract. The Truth In Lending Act mandates that consumers be fully informed regarding the utilization of credit and protected from unfair credit card practices. 
Enclosed as Exhibit A, I have outlined specific instances where CARMAXcharged me for interest, and insurance costs were excluded from the finance charge. As per the Truth In Lending Act, the finance charge should encompass the sum of all charges ( 15 U.S. Code 1605 ). Contrary to this, I incurred a total charge of {$22000.00}, surpassing the finance charge of {$5000.00}. 
Additionally, the Act stipulates that interest must be included in the finance charge ; however, I was separately billed for interest. The failure to disclose that insurance should be part of the finance charge is a violation of my federally protected rights and was not presented clearly and conspicuously. 
A further point of contention is the down payment. According to 15 U.S. Code 1662, a creditor can not impose a down payment unless it is uniform for all consumers. Despite this, I was charged {$1400.00} for a cash down payment. 

It is disconcerting that I had to independently research and uncover these details, especially considering your company 's status as a Truth In Lending Act lender obligated to provide consumers with comprehensive cost disclosures. 

These laws must be enforced by the Consumer Financial Protection Bureau as stated in : 15 U.S. Code 6805 ( a ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Please be aware that your CARMAX is criminally and civilly held liable pursuant to 15 U.S. Code 1611, 15 U.S. Code 1640, 15 U.S. Code 1662, 15 U.S. Code 1605, and 15 U.S. Code 45.
Consumer complaint received 2021-08-31
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. (IL)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.
Consumer complaint received 2021-08-31
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. (IL)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CT)

We opened a merchant account with XXXX  XXXX XXXX back in XXXX, XXXX, And after opening the account we noticed that XXXX is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ). 

We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX  risk team, since XXXX  was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication. 
Note : during this entire period of the review, they were collecting fees from my bank account. 

After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from XXXX claiming that I owe them this amount. I requested XXXX  and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since XXXX didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received. 

And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from XXXX and XXXX. 

XXXX Thank you
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take notice that you will be receiving written correspondence via certified mail. 
This is to inform you that I am conditionally accepting the offer to settle an account ending in XXXX if you can provide me the accounting ledger that shows that you extended me credit. The account that has been sent to charge off status on my credit report was funded by my own federal reserve notes. XXXX never extended me any credit so I do not owe a balance. I utilized my own FRN which are in no way shape or form of obligation of yours. In addition to you have incorrectly reported this on my credit report as a charge off when the FRNs used to fund the account was never yours to account for so there for you can not lose a charge off a debt as a loss that was never yours. In addition to charge offs are income according to the IRS and I have not received a 1099c in the mail. I will be also submitting this complaint to the IRS criminal investigation team for further review.

I am demanding that you remove this account from my reports. I am also demanding remedy totaling {$700.00} for inaccurate and unfair credit reporting. 

Failure to provide remedy and/or provide me an accounting ledger will possibly lead to litigation.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AES/PHEAA (FL)

XXXX {$8900.00} XXXX {$5100.00} XXXX {$4100.00} XXXX {$10000.00} XXXX {$4500.00} XXXX {$2600.00} XXXX {$5900.00} XXXX {$6200.00} All the amounts and dates above were reported into my credit report, for a total of {$48000.00}.