davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC (GA)

Reprise financial gave me a title loan on a salvaged vehicle that I feel they knew wouldnt be able to repay. The interest rate was extremely high as well with them knowing the vehicle was salvaged. I explained to them that I was still also making payments on the vehicle to another lender ( XXXX XXXX ). I am a XXXX veteran on XXXX and Im facing an extended financial hardship due to recent XXXX. I asked for an extended extension to while I wait to have my XXXX payments reinstated. I asked for a three month extension and they gave me one month. I called and explained my circumstances in detail so they know. They failed to properly document my account, and instead continue to call and harass me about payments when they know the hardship I am going through. They have refused to talk to me about extending the loan or lowering the payments but instead continue to harass me and threaten me with reporting payments to my credit as late. They never explained to me that the title loan would be listed on my credit report as a vehicle loan, and Ive made payments but my balance has increased instead of decreasing. They are also reporting this as a vehicle loan under another name ( XXXX XXXX ) when it was a title loan not a vehicle loan.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Today XX/XX/XXXX I was notified that a Capital One Affiliated Credit Card Account had been closed, causing my credit score to drop XXXX POINTS from XXXX - XXXX. The name of the account is KOHLS Department Store account with a credit limit of {$2000.00}. When I contacted Kohls, it was due to inactivity. It is their policy to close store accounts for inactivity within 36 months. However, I have used my account within 36 months. Kohls has not issued a new card since the old one expired, and I have accessed my account by using my drivers license at the point of sale register and social security number. I requested a call back from the supervisor, and within the hour, a supervisor called and CONFIRMED that there was activity on XX/XX/XXXX, within the 36 month time frame, a payment of {$17.00}. But they have no PURCHASE INFORMATION BUT A PAYMENT INFORMATION!!! WHen asked, if you have a payment, then there must have been a purchase. I think the payment system is recording differently for card usage and when you access the account using the drivers license. When I asked, so why was my account closed, the supervisor identified as XXXX for Kohls, had NO EXPLANATION and stated there was nothing else she could do and even if the account wad closed in error it could not be reopened. XXXX, XXXX supervisor called and reiterated the same. The only other recourse was to reapply, which would cause a hard inquiry on my credit score, causing my credit score to drop even further. 

Closed Kohls account # XXXX This is no coincidence. 

Less than six weeks ago, Capital One, the bank which is affiliated with Kohls, I made complaints XXXX and XXXX, in which they had to remove negative information off of my credit report and retaliated by putting negative and unwarranted information when I voluntarily closed the credit account. I do not believe in coincidence that a Capital One affiliated card would just arbitrarily close an account for no reason, in violation of their own policy of no activity within 36 months, causing negative reporting on a credit score and then forcing me to reapply to the store, which would then cause a hard inquiry on my credit score, dropping it even further. 

It is XX/XX/XXXX and NOTHING HAS BEEN SUBMITTED IN WRITTING REGARDING THE CLOSING OF THE ACCOUNT. I HAD TO RESEARCH THIS INFORMATION ON MY OWN. THIS ACCOUNT WAS CLOSED ON XX/XX/XXXX.
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP (MI)

Recently, I took the lease vehicle in for a possible trade in. The dealership contacted US Bank to get the payoff for the vehicle. US Bank has given the dealership two payoff quotes that on contingent on if they ( dealership ) will take my new lease back through US Bank. The difference between what they quoted is over {$14000.00}. Which makes it virtually impossible to get of their lease. At the time that I signed my contract, no of these practices was explained or documented during the transaction. 

It is not fair to me as a consumer to have to pay a higher payoff amount than what the truck 's original MRSP was at the beginning of the transaction. I purchased this truck in XXXX of XXXX from a dealership in Michigan. Since then, when I first thought about leasing another vehicle ( XXXX ) US Bank only gave on payoff notice to the dealership. 

If they have changed their practices due to the market changes with used cars that should have been communicated to the customer.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint to report TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my recent credit dispute. I submitted a dispute on XX/XX/2024, regarding several inaccuracies on my credit report, specifically requesting verification of the following accounts : 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 As per Section XXXX of the FCRA, I requested a detailed explanation of the verification methods used and contact information of the sources that provided the verification. Instead, I received a generic response from TransUnion, which did not address my specific requests and provided no evidence of a proper investigation, as required by law. 

The response I received from TransUnion was automatic and failed to provide the necessary information to verify the accuracy of the disputed accounts. It did not reflect the level of investigation that the FCRA mandates, such as proper verification of the data with the relevant sources and sharing of this information with me. 

I believe TransUnion violated my rights under the FCRA by not conducting a thorough investigation or providing the necessary details of the verification process. I am therefore requesting the CFPB to take appropriate action to ensure that TransUnion complies with the law and fully investigates the disputed accounts on my credit report. 

Please find attached my original dispute letter and XXXX response for your reference. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a 3949A with the IRS as this is considered tax fraud since I have not received a 1099C.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

I received this message from chime about my account on XX/XX/2022 XXXX XXXX  est Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. 

Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2022 to the address we have on file for you.
Consumer complaint received 2023-07-17
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-12-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (FL)

NCA has erroneously reported this debt and responded to my initial CFPB complaint falsely. NCA originally stated in their response back to my CFPB complaint. NCA submitted a contract from XXXX that was falsely typed. Theres no signature of mine and theres no date. NCA stated that I had a XXXX XXXX XXXX and I lived in XXXX Arizona in XXXX  that was very misleading. I never lived in XXXX Arizona in XXXX when I took out this debt, this was the title loan that I took out on a XXXX XXXX XXXX. And at the time I took out the title loan in XXXX I resided in XXXX Arizona in which I owned my home I filed bankruptcy in the same year of XXXX enlisted my XXXX XXXX XXXX. Therefore this debt is over 10 years old, as well as NCA purchased old paper did not do their due diligence. This is the second time I am disputing this debt, but this time Ive taken it a step further, I have sent over the complaint as well as all the documentation that I have sent to CFPB as well as that contract that CA submitted to CFPB, which shows no date no signature. NCA, you are a debt purchasing company, but you are doing consumers a disservice by not doing your due diligence and checking to make sure these balances and the statue of limitations has not ran out on these debts but instead of that, youre holding strong to me owing you {$1000.00} and which I will never pay due to the fact of the age of this debt this is a clear violation of FCRA as well as FDCPA. I will continue to fight this to the nail until my credit report has been updated and this debt is no longer showing up as a valid debt. I want NCA to provide me the original contract that I signed at XXXX back in XXXX. This complaint will also be sent over to the attorney general office in Arizona as well.
Consumer complaint received 2024-03-15
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. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-07-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had called them several times and we made an agreement that they will remove the charged off status on my report if i paid the amount owed. I made the payment but they wont remove the negative report that they agreed to remove after paying off the debt.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I have written to this collection agency numerous times disputing the validity of the debt and requesting proof of validity of the debt. They have never responded with any type of proof. The statute of limitations are passed. The company continues collections practices even though they received the dispute in writing several times.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC (CO)

They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter on XX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to XXXX a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-05-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I contacted the credit bureau to perform an investigation of the accuracy of items being reported. 

1 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX portfolio recovery has violated my rights.they are unable to validate the account. 

2 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX has violated my rights. I paid {$200.00} deposit and they are reporting {$250.00} past due. Where is my deposit 3 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX  has violated my rights.was told to pay account up to date and the late payments will be removed.

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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), Credit car account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), credit account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AXOS FINANCIAL, INC. (FL)

WHOM MAY CONCERN My name is XXXX XXXX. I did a personal loan with Axos Bank and during the pandemic I had to stop making payments. On XX/XX/2021 I receive a letter from the lawyer XXXX XXXX XXXX. I did the process with a consolidation company called XXXX they lawyer XXXX XXXX XXXX represented me in court. On XX/XX/XXXX XXXX got into an agreement with the court and they amount of XXXX was withdrawn from my bank account, since then I have been requesting a pay off document for me to be able to do a XXXX and have peace of mind that I do not have anything pending with AXOS BANK. 

I call Axos Bank every month, because they keep sending me the bank statement that shows that I still own them, every time I reached they told me that I still owed the money and that nobody had communicated to them that they have been pay through court. I have sent all the documentation that the lawyer provided, and no solution has been given to me. 
I respectfully ask for your help because this is still affecting my credit and my peace of mind, I am a very hard worker women with XXXX XXXX XXXX and this is affecting me a lot please le me know if there is anything that you can do for me. 
Attached is all the information that I can provide, I really appreciate your time and help. Have a blessed day. 

Attorney XXXX XXXX XXXX ( XXXX ) XXXX ( my lawyer ) Attorney XXXX XXXX XXXX ( XXXX ) XXXX ( Axos Bank Lawyer )