davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCB Credit Serivces, Inc (CA)

debt incurred with this vehicle is not mine, as per law, there is no money, as per documentation, and my complaint to the IRS stating such. debt collector is a third party carpetbagger, intervening in my private personal, affairs, as per the constitution, " all things move in contract '', i have no contract with CCB Credit Services, and they are trying to extortion funds from me, why these XXXX are allowed to exist, in our society is incredulous. The FCR Act, states in no uncertain terms, that I am supposed to be notified, BEFORE any negative information, is placed in my credit file, that way i could dispute, this in advance, and not interfere with my constitutional, " right to contract '' neither XXXX, nor CCB credit services, has done that, violating multiple Federal laws, in there pursuit of fraudulent, unjust enrichment, and trying to keep hard working American citizens, in FINANCIAL SLAVERY, U.S. v. Kozminski, 487 U.S. 931 ( 1988 ). Respondment believes they should be heavily fined, for there participation, in a RICO based, fraudulent scheme to XXXX Americans out of there assetts.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A. (KY)

We applied for pre-approval on a home mortgage with the PNC Bank. They asked for my credit card number to charge a credit report. I found out later that they charged my card for other customer 's bills and when I complained they finally removed the charges but refused to relinquish access to my credit card. The Lady said that she had the right to charge my card for anything she deems OK. I complained to the CEO of PNC and they have refused to respond. They quoted us an interest rate of lower than 4 %. Then they attempted to ignore the contract and charge us more and even require us to pay {$780.00} for the right to the higher rate.
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Due to COVID I had a check come in late. My bill is due on XX/XX/XXXXI saw that Citibank had started processing my payment on the XX/XX/XXXX. It came back NSF on XX/XX/XXXX. I moved funds into the XXXX account that they withdraw funds from. I called Citibank and manually paid the bill on the XX/XX/XXXX. I spoke to a Citibank representative at that time and explained that I had manually paid and that I had had some delays due to COVID. He said it was fine, that I wouldnt be charged late fees because I had called. 

Subsequently, they have tried to collect the same bill 3 times. Each time I call and each time they say they can do nothing about this. So far I have had to pay XXXX $ in NSF fees because after 2 weeks they are still trying to collect the same bill which has been clearly posted as paid. In the mean time, they are charging me late interest on the same bill claiming the fees are standard on an unpaid bill. They are now not taking my calls. 

The 3rd time I called them they said it had been taken care of. I asked them to remove my autopay feature, and send paper bills. I informed them that XXXX would be refusing any further autopay from them. The next day they did it again. They are crippling me financially. 

The managers say there is nothing they can do. Every other bank I have recognizes that if I make a manual payment that my minimum due has been paid. But Citibank practices predatory lending practices and is currently collecting late interest and continues to ruin my good payment history with XXXX. I am reaching out to you because I have no other idea how to resolve this. Attached are my bank statements that clearly show that the minimum due was paid and that they have continued trying to collect 3 times after it was paid.
Consumer complaint received 2023-05-15
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (TX)

I was placed on unpaid furlough at my job as a direct result of covid19  and they would not assist in any way. They would not defer or offer any options to help me other than pay or repossess car. 
During this time, my husband became a XXXX in the XXXX XXXX and they pushed his date for boot camp to XX/XX/XXXX due to COVID-19 also. I told them this and asked if I can forfeit the vehicle and they denied this as well.
Consumer complaint received 2022-12-29
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. (DE)

I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : 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
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (IN)

I have had an Apple Card for 3 years and have always paid my balance in full every month and have had to any interest. In XX/XX/2022 I was looking at my transaction page and saw where this merchant which I knew had charged my card multiple times on that day I was checking it. I am talking a lot of money. I right then got in touch with the merchant and notified Apple Card. I have to be honest I am terrible at checking my monthly statements but I had noticed that XXXX and XXXX my bill was high but just thought I needed to slow down on spending. I checked the previous 2 months and there were numerous charges from that same merchant. I then turned them in also. I am talking over 70 transactions and thousands of dollars. It was a 4 month ordeal and they were all ruled in my favor. Apple Card has not credited my account with all the charges to this day. I have all the dispute transactions in my favor. I did have to dispute most of them a second time. On Monday morning XXXX XXXX, I got an email telling me my account had been closed for not following their agreement. I called them and they said read your email. I said why would you have done that. I pay my bill every month. Oh and they had just given me a XXXX line of credit raise.My credit line was {$37000.00} after the increase. There is still a XXXX balance but I know if they would had posted all the charges that I won in my favor they would owe me. I asked them if all the disputes were complete and they told me no and I said how can to close my account and I know you have not credited my account with some that I won. I have figured there is about {$10000.00} worth that had not been credited to my account. I have all the resolved emails, snapshots of my account and the ones they have not credited me. When I asked how many disputes were still open, and they said 12 and I said I dont know how you can close my account. I said well how do I know my balance will be the same and she said well there is only 3 left and its figured into your balance. That was a lie. They were trying to get me to pay off the balance on Monday and I almost did, but thought something is not right. I have all the chat messages also. I dont want their charge card anymore that dispute fiasco was a nightmare for 4 months. But I do want what is coming to me, I had payed for XXXX and XXXX and didnt catch it until XXXX, but at least it was at the beginning of the month. I have a credit score of XXXX and I dont want it to be destroyed from this. I did nothing wrong but dispute fraudulent charges!!!
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX is stating I owe a debt, that debt is not mine. I requested this removed and no action was taken. 

XXXX XXXX XXXX Original creditor : CAPITAL ONE BANK USA N.A. 
{$370.00} This is not mine! I never authorized or allowed this.
Consumer complaint received 2022-12-29
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my rights XXXXXXXX XXXX XXXX - Account number 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 2023-02-21
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. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 2022-06-03
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: Resurgent Capital Services L.P. (TX)

CFPB XXXX ACCOUNT XXXX AMOUNT {$750.00} 15USC 1692e false or misleading representations is a BIG violation you have put false information on credit report.

VIOLATION MY RIGHTS THE LAW IS CLEAR ANY INFORMATION WHAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED I DEMAND YOU TO DELETE THE ACCOUNT IMMEDIATELY TO ALL 3 MAJOR CREDIT AND SUB BUREAUS SEND PROOF OF DELETION
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

I have a XXXX XXXX account with over 10 thousand dollars in available credit and over 20 years old is not showing up on my Equifax credit report. It's showing up on XXXX XXXX and XXXX but not Equifax, there is about a XXXX point difference in my Fico as XXXX and XXXX XXXX are only XXXX points apart but Equifax is also almost XXXX points less than XXXX and XXXX XXXX.
Consumer complaint received 2022-06-03
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. (PA)

In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This creditor XXXX XXXX XXXX is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe XXXX XXXX XXXX XXXX XXXX and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PLS GROUP, INC (NY)

I am contacting the store about check for services rate on transaction history and will pay fees, I had got message from company on transaction history and want to get the, accounts involved for money gram that was sent pls, I have gotten a company response and it has knowledge of this on it records, STATUS Company responded on XX/XX/2023, STATUS Submitted to the CFPB on XX/XX/2023 and could get help with matter. 

Thanks, XXXX XXXX
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NE)

I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX XXXX have violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (FL)

I suddenly have XXXX collection dates for XXXX XXXX XXXX I was never made aware. Never received bills, calls or any written or verbal communication. 
I have it on my XXXX report for collections with paramount recovery system. I reached out to XXXX XXXX XXXX  and they said all bills mailed where returned. Proving I never received. I have always had mail forwarding if ever I moved. It is not fair its on my credit report and I was never made aware. They gave me no opportunity to pay or confirm debt prior to go to collections.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

I received a letter from this company in XX/XX/XXXX alleging that I owe this debt. In response I mailed a certified letter on XX/XX/XXXX, requesting for this debt to be validated. The letter was picked up on XX/XX/XXXX, however I did not receive any follow up in over 30 days. I then sent a XXXX validation request via certified mail on XX/XX/XXXX that was received by them on XX/XX/XXXX yet again, no response after 30 days. On my third attempt to get this matter resolved, I sent a letter on XX/XX/XXXX requesting to have this debt removed completely from my credit report since they obviously could not verify it. I currently have not received any communication from this company even though my last letter was received on XX/XX/XXXX. This is clearly a violation of my rights under the Fair Credit Reporting Act, in which I have the right to sue. I want this unverified account removed from my report immediately.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (PA)

I disputed for XXXX XXXX {$110.00} on XX/XX/XXXX, and on XX/XX/XXXX, it was denied. The dispute number is # XXXX, and I have contacted y'all to reopen the dispute to get my money back. They reopened it with the dispute id number XXXX. I contacted the business on XX/XX/XXXX, and I didn't get any response. I have contacted apple pay, and they told me to contact chime to open a dispute to get my money back, and I want my money back, and I want y'all to give me a one-time credit for my issues.
Consumer complaint received 2024-03-18
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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