davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-05-18
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. (NY)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-02-08
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. (NY)

In accordance with the fair credit reporting act Experian, XXXX, XXXX three major credit reporting agencies has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (OK)

I opened a XXXX XXXX  account in XXXX. This account was paid and terms met in XXXX. This company then sold my account to Credit Corp Solutions in attempt to get payment on a debt that was previously paid and closed. I am now being sued in XXXX for XXXX when my initial credit limit was XXXX. My credit report shows that this account is paid, closed, and in good standing. However I am being sued for money I dont owe. I have tried to speak with XXXX XXXX  to attempt to get my account statements. They are refusing my requests and refusing me access to this old account. Credit corp solutions has now sued me to attempt to collect a debt that was paid. They have not sent me any validation of debt or statements from synchrony with my purchases or signatures opening this account. They only have sent me statements of debt from XXXX which is completely absurd as this account was closed in XXXX of XXXX. This is wrong! I have sent credit corp solutions proof of my credit report of this account in good standing.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (WI)

XX/XX/year> : I received an auto loan application denial letter from XXXX which states, " Negative Equity '' with my credit score of XXXX attached. 

XX/XX/year> : I received a 'Welcome ' letter from XXXX which states, " We want to welcome you '' in regards to an auto loan. 

XX/XX/year> : I received a letter from XXXX which states, " We extended {$62000.00} of credit to your spouse. '' ( I do not have a spouse. ) XX/XX/year> : I received a letter from XXXX which states, " We're unable to approve your account based on negative equity ( again with XXXX credit score attached ) but we can offer you credit for {$94000.00}. '' I've obtained three credit reports in addition to XXXX XXXX & XXXX XXXX XXXX and see XXXX has been continuing to capture my credit without my consent and ignoring my request to opt out, per the law. 

Additionally, I sent the indenture trustee, Registered Mail, attention to XXXX XXXX XXXX a letter of notification for revocation of XXXX security interest, per UCC 3-311, withheld from me and authorized permission to transfer my security of {$62.00}, XXXX into my XXXX XXXX XXXX, with number provided. My letter was returned to me with an accompanying letter stating they were returning my enclosed correspondence.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

i dont know embezzling money and then told they where not goin to pay for claim they owe me not only did they steal from me but to tell me they are not goin to put the money money back they dont own me anything ( is a joke ) they refused to do anythign with but the funny thing is i got clarification from the comapny who i was haveing issue that the funds where paid back and they sent me letter saying it was correcrted to the right person the bank diputed and won and then to have the bank send me letter refusring to pay me and they dont owe me anything embezzle the money and just not return it is nuts that not the only issue they also took 10 months to get me anwswer from the chairmain that they wont pay me back i have documantions and ect on this matter and they close my bank account and stole embezzling my money and they give fees for giveing false informations? say i owe them money is this a joke this company can pay me for the abuse that they gave out and then sum
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This ONLINE INFORMATION SERVICE account with a balance of {$290.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2023-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (OH)

I submitted a previous complaint to Hyundai about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except Hyundai to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, Hyundai charged me a fee and said they would have waived it if I had gotten a Hyundai. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another Hyundai. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does Hyundai think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, Hyundai instantly begins reporting late payments to the credit agencies? Why can Hyundai take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when Hyundai was unresponsive during the pandemic and it was difficult to receive responses )? 

2. The process to have Hyundai honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to Hyundai, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to Hyundai. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. 

Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions Hyundai should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy? 
2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (FL)

Hello and To Whom It XXXX Concern, I had bought a vehicle from XXXX in XXXX of 2019. My loan was the lender Bridgecrest XXXX. I had made regular payments and extra payments through XXXX of XXXX it was illegally repo for allegedly failing to make payments. It was impounded and I was told I would have to pay for it from the Auction company copart. I was not able to and the lender has put this on my record as a repo and continually harassed me to repay the debt. I have included copies of all the payments that were made and correspondence from Bridgecrest XXXX, I do not know if I should take them to court or how to proceed it is very discerning because this happened at a time during the pandemic when it was difficult to find a lawyer, many agencies were closed and this has severely hurt my finances. Thank you for investigating this matter for me.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (GA)

I called XXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX : {$32000.00}
Consumer complaint received 2023-02-08
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. (CA)

I never contracted with XXXX XXXX XXXX. They should not be reporting on my consumer report. I have been patiently working through the administrative process with the company since XXXX. Having this account on my report is causing me distress and wrecking havoc on my credit consumer reputation. It is making it extremely difficult to apply for new cards and even get to a place where I can move. Applications for apartments are not being accepted due to the alleged late payment and this alleged debt that I do not owe. This is identity theft. It is the duty of the bureaus to be reporting accurate information. I don't understand how you were able to remove the hard inquiries associated with the fraudulent account but not the account itself. 

As soon as this is delivered to the bureaus I demand that the account be removed from my credit report. Please see attached document to view a handwritten letter addressing my concerns, and attachments of my process so far including two identity theft reports against the alleged account.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

i keep making payments on my card because they are discriminating against me & won't increase my limit based upon a previous relationship I had with them. I extended my credit to them and they are violating me under color of law & they also blocked my car because they are angry that i keep making payments. How could i be punished for such a thing?
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo has been charging me overdraft fees when I had deposited the money in time when they said they gice extra grace period. Even so, they've been doing this for years and it's extremely frustrating. BUT to make matters more annoying is I have XXXX XXXX XXXX  and in and out of hospitals and they specifically told. XXXX not to worry just let them know.and I won't get charged. Now I'm so negative becauae I keep getting fees upon fees from places I have set up automatic bill pay so they also keep tryinf to get the funds and i keep getting fees. XXXX it's XXXX for each time. When i call they said there's nothing they can do. Just in the last couole weeks I've established 8 fees.when I have deposit go in I will just barely get above into the positive and than end up getting fees again because of a bill. It's frustrating that they're lying saying they wil give extra grace days but actually never do.also with stm fees and monthly service fees..all of this was told not to worry just to call amd ask and it will be taken care of.
Consumer complaint received 2022-11-13
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. (WI)

XXXX XXXXXXXX {$800.00} XXXX XXXXXXXX {$700.00} XXXX {$700.00} XXXX {$0.00} These are reported on credit reports fraudulently and I demanded all credit bureaus by letters. 
I've sent my letters in, they have yet to provide me with results. this was almost 30 days ago and still haven't got anything I demanded by law.
Consumer complaint received 2022-11-13
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. (TX)

I have unknown accounts on my credit profile. I am needing these accounts removed immediately. If for some reason the following accounts that are listed on the attachments that I have uploaded come back validated, I need the contract with my wet signature. A bill, statement, or payment history is not validation of debt. Please remove these unknown accounts off my credit profile asap.
Consumer complaint received 2022-11-12
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. (NC)

In accordance with the Fair Credit Reporting act CXXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc (PA)

On XX/XX/2022, I received an email communication from January Technologies Inc entitled : " Outstanding Debt Notice for .... '' it contained verbiage, logos, symbols, statement identifying them as a debt collector attempting to collect an alleged debt from me. I have never contracted with this company or its " affiliates. Pursuant to 15 USC 1692K January Technologies Inc is now civilly liable for their abusive and deceptive practices by identifying themselves as trying to collect a debt from me. I immediately responded to their communication with a cease and desist demanding them to cease all communication and collection attempts. I also made them aware that any further communication attempts would be in direct violation of the notice and all applicable laws. After sending said notice, January Technologies Inc. sent me another email communication. The communication again contained verbiage, logos, and symbols identifying them as debt collectors. There was also a signature containing the name " XXXX at XXXX '' a " Solutions Specialist ''. This constitutes harassment and breach of my initial demands listed in the initial cease and desist.
Consumer complaint received 2022-11-12
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. (NV)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 My addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any account s Credit Inquiries Credit Inquiries- Summary XXXX XXXX Experian XX/XX/XXXX Experian Business Cred XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (AR)

I contacted Nordstrom/TD bank on XX/XX/year> because they are reporting outdated information on my credit report when it was paid as agreed, this is damaging to my credit because the information has not been updated in over 4 years.
Consumer complaint received 2022-11-12
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: Freedom Mortgage Company (NC)

My Mortgage Lender, Freedom Mortgage Company, reported to the Credit Bureau that l missed a Mortgage Payment in XX/XX/2020, and that my account was over 656 days late, which is absolutely not correct, because my account was in the Forbearance. I have attached my XX/XX/2020 statement to refute this error that was reported to the Credit Bureau.