davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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: TD BANK US HOLDING COMPANY (NJ)

Td Bank is currently furnished inaccurate payment history to the reporting agencies. I opened the account XX/XX/XXXX and was XXXX  XX/XX/XXXX and released XX/XX/XXXX I provided proof to TD bank and the reporting agencies. 

In accordance with the fair credit reporting act TD Bank Account # XXXX, has violated my rights. 

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

15 USC 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 not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-09
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

I was called this morning and threatened with legal action with Cashstore for a payday loan I had taken two years ago. I was working at the time and not anymore due to being XXXX vet. When she called I said what is this regarding she couldnt say but had the first few digits of ssn. She said one charge was check fraud the other for whatever. XXXX XXXX XXXX XXXX Ive never been threatened by any company. This will be the first and last. The lady then in turn lied and said I closed my acct and I said your a lie. Im unemployed so if you keep trying to debit an acct theres nothing there. Acct is not closed. She lied to get my attention. Then said I had to call another number to get details. Then I did and told them the same thing. Then they they transferred me to in house for cashstore who tried to set me up with arrangements. The tactics they used were unjust and unfair. The Fair Debt Collection Practices Act prohibits harassment or deception in debt collection, but these types of collectors are frequently operating under the radar- you'll never find out just who they are. She also said they were trying to serve me and the in house supervisor said they need a traceable bond to keep them from filing charges. I gave them nothing as they have violate the fcra as well as my rights. The number they call from is attached. They better not ruin my credit or try as they have pieces of my social. THIS BETTER NOT HIT MY CREDIT ON NOT ANY ONE OF THE THREE BUREAUS. AS YIU ALL HAVE THRETNED ME WITH KEGAL ACTION IN ORDER TO GET MONEY OUT OF ME. LET ALONE HAD ME CALL ANOTHER NUMBER FOR DETAILS. WHEN THE FIRST CALL SHOILD HAVE BEEN SUFFICIENT ENOUGH. XXXX XXXX. CEASE AND DESIST ALL COMMUNICATION AND ACTION ON MY CREDIT AND ALL WHAT YOU ARE DOING AS ITS A VIOLATION OF THE FCRA AND TO ONES RIGHTS. THE SCREENSHOTS ATTACHED IS THE XXXX is THE FIRST NUMBER THEY CALLED FROM AND THE 800 is the one they told me to call for detail regarding this XXXX. Im a vet not working and have XXXX children. I dont need to be threatened like that. Ill be watching my credit and disputing all that comes my way but you all or your third party collectors are wrong together. So that makes you all wrong and not in compliance with fcra
Consumer complaint received 2021-12-21
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: JPMORGAN CHASE & CO. (MD)

I had a 10k credit limit with XXXX XXXX. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay XXXX with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! Chase also decreased my credit limit as well all around the same exact time XX/XX/ 2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

For many months I have been receiving my credit card account statement with a box in the upper right corner in large font that reads " Cash Back Rewards This Period : _______ ''. The blank line reads the month and year of the statement, such as XX/XX/2023. And then a dollar amount is given. 

When I looked for that exact dollar amount as a deposit into my bank account, I found out that it was about half of what my statement said. When I called and spoke to many representatives I was informed that the amount written in the box at the top of the statement was for XXXX months, not just XXXX. 

This is not only misleading, it is a lie. It leads the customer to believe that they are making twice the cash back that they actually are! When I called them to ask why this was, they had no answer, and said that they would raise the issue with their higher-ups. 

If the text box says " Cash Back Rewards This period XX/XX/2023 '', the amount in the box should only be what was earned in XXXX. Not XXXX AND XXXX.
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (RI)

Dear CFPB, I am writing to file a complaint against Bright Lending regarding a loan agreement I entered into on [ XX/XX/2024 ] for $ [ XXXX ]. I believe this loan violates federal and/or state consumer financial protection laws due to usurious interest rates and potentially deceptive practices. 

Loan Details : Loan Provider : Bright Lending Loan Agreement Date : [ XX/XX/2024 ] Loan Amount : $ [ XXXX ] Interest Rate : [ 699.9620 % ] Loan Term : [ 43 weeks ] Reason for Complaint : I believe the interest rate on this loan is usurious and exceeds the legal limit allowed in the state of Rhode Island, where I reside. Additionally, I have reason to believe Bright Lending may not be a legitimate tribal lender and may be attempting to exploit a loophole in XXXX  immunity laws.

Supporting Evidence : The attached loan agreement and the MN Attourney General is investigating them for usurious practices in the state here XXXX XXXX XXXX XXXXXXXX I request the CFPB to investigate Bright Lending 's practices and determine if the loan terms violate federal or state consumer protection laws. I would like the CFPB to help me achieve a fair resolution, which could include : A reduction in the interest rate to comply with Rhode Island usury laws. 
Cancellation of the loan if Bright Lending is found to violate the law. 
Thank you for your time and attention to this matter. I look forward to your response and any assistance you can provide. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-14
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: NAVY FEDERAL CREDIT UNION (MD)

I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with NAVY FEDERAL CREDIT UNION. I have been misled by NAVY FEDERAL CREDIT UNION AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the Business XXXX  ending in XXXX. NAVY FEDERAL CREDIT UNION has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, NAVY FEDERAL CREDIT UNION received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). NAVY FEDERAL CREDIT UNION has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, NAVY FEDERAL CREDIT UNION has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with NAVY FEDERAL CREDIT UNION. I did NOT knowingly and willingly agree to an unconscionable agreement. NAVY FEDERAL CREDIT UNION has conspired and restrained trade and commerce which is ILLEGAL. NAVY FEDERAL CREDIT UNION has closed and charged off both of my credit cards which is discrimination and an adverse action. NAVY FEDERAL CREDIT UNION has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. NAVY FEDERAL CREDIT UNION has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX the account was closed. They said to wait 60 days to receive the remaining funds. Now the account is closes and they are holding the funds until the person who sent an ach transaction comes in with ID to verify they sent me the funds. The ach has not been disputed by the person and the person is out of the country so can't go into a bank. We asked to have the funds returned to his bank but they refuse
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgence Legal Group, PC (IL)

nam e resurgance legal group LLC,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ILL, Re subject CC account number   #  XXXX ,  ref #  XXXX  to whom this  XXXX  concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of  XXXX  I prefer a " true bill '' but will accept a statement [ by  XXXX   XXXX  ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form.   please be advised you are also in violation of information breach, as i will provide the app licable law [ s ] in my nex t complaint thank you very much,  XXXX   XXXX
Consumer complaint received 2023-02-19
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. (AL)

I contacted transunion, XXXX, XXXX for my credit report and I received transunion report I called them and asked them who reported the chapter XXXX bankruptcy on my credit report and they said US Bankruptcy clerk in XXXX Al so i went to the clerk office and asked do they report to they report to the credit bureaus she said no so then I called the other 2 credit bureaus and they gave me the same Information transunion did. I want to know who reported the XXXX XXXXXXXX because I have a letter stating they do not report to no credit bureaus or credits agencies. I want them disputed from my credit report.
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunnova Energy Corporation (MD)

I met with XXXX on XX/XX/XXXX for XXXX at my property in XXXX XXXX Maryland. The XXXX XXXX they used is Sunnova Energy Corporation. 

On XX/XX/XXXX - I received an email from XXXX charging my account for a property at XXXX XXXX XXXX, XXXX CO XXXX, with account # XXXX with a XXXX XXXX ID XXXX. 

I informed the XXXX agent XXXX XXXX. He told he would take care of it. XXXX filed for bankruptcy in XX/XX/XXXX. I assumed this matter was taken care of until I heard from my bank. 

I called XXXX and informed them, several times. Then I had to have my back change my banking information. Then I started getting multiple harassing debt collection calls from XXXX. I kept calling them to dig into the mater but have ignore until today XX/XX/XXXX because of my outrage. 

I spoke with a supervisor called XXXX. She told me my wife and I lived in Colorado. I am not married, and I live in Maryland. She said my wife was XXXX XXXX XXXX. I told her I don't know any such person. 

She said that she has filed XXXX cases on the matter. XXXX case number XXXX and XXXX case # XXXX. 

My XXXX credit rating is now down to the XXXX because of this and my bank account is overdrawn. I would appreciate the agency 's help in this matter.
Consumer complaint received 2024-04-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance refused to give me paperwork showing the original price of the car given a false balance given a false percentage paid in and the car was re-sold already. You cant collect the debt twice. Secondly, exact debt is on my credit twice under two different names same date same amount XXXXXXXX XXXX who is an affiliate of credit acceptance.
Consumer complaint received 2019-12-30
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. (NY)

i am filing this complaint because XXXX, transunion, and XXXXhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

My deceased husband, XXXX XXXX, purchased hearing aids on my credit card that didn't work. The seller was not fixiing them per their warranty. I contacted Citi Bank and they kept telling me I had to work it out with the supplier. The hearing aid company was not returning any calls. When we went to their office they were no longer there. I contact Citi Bank and put in a dispute. 

Citi Bank should responsible for the information their representatives give to a customer, however they claim they are not. 

I spoke with XXXX in Customer Service Accounting and she told me it doesn't matter what their agents tell someone because they are human and make mistakes. I requested, in writing, a copy of the voice recordings from my 2 calls and never receive them or got a response to my request. 

XXXX said she had listened to the 2 recorded calls in which I spoke with 2 agents on different dates who both told me my dispute was approved. Later during that call she admitted she hadn't really listened but would. On the first one approximately XX/XX/27 I requested a check be sent to me. He took all the information and said a check would be sent to me if I preferred that over refunding it to my bank like they normally do and I said I did. 

On my second call, first week in XXXX they apologized for the delay. They told me the check was being released and mailed on XXXX XXXX. I mentioned to her if I couldnt wait for the check any longer could I use the credit if I had to. She said that would work too. 

We left for our investment house in NC where I had to order appliances. In so doing I used my credit that they told me I had won the dispute on. Before I used the credit I called one last time and confirmed the credit was still there and I could use it. That agent said I could go ahead and use it. They always tell you all this is on a recorded line. So they have the records. 

When I got back to my home in PA I had a letter Dated XXXX from Citi XXXX I enclosed a copy. Their letter verifies that they were not able to send the refund to my bank on XXXX XXXX because I had used up the credit instead. 

This letter from Citi verifies that the XXXX agents that told me I had gotten the disputed settled in my favor. Because I used the credit before it was sent to my bank per their letter they were not able to put it back into my bank. 

I believe once they fould out how old we were they decided to change the status of our claim approval decision.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

Subject : Request for Debt Validation - Urgent Action Required Hello, I have no record or knowledge of any dealings with your company. Accordingly, I am formally requesting a complete validation of this alleged debt, as granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following within 30 days from the date of this letter : XXXX. Complete Validation : Kindly furnish original documentation including the original creditor 's details, the account number, the bill of sale, and relevant supporting documents. 

XXXX. Proof of Consent : Verify your legal right to collect by providing proof of consent to furnish this information and the original contract. I would also like evidence of how you guys obtained my address. 

If you are unable to validate the alleged debt with the requested documentation above, I demand you cease collections and communication with me. 
in accordance with 15 U.S. Code 1681s-2. ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Failure to comply may be considered a violation of FCRA laws, Negligent enablement of Identity fraud, and Defamation. Please consider this letter a formal notice that if my rights are not respected, I will have no choice but to pursue legal action to enforce them. 

I trust that this matter will be resolved promptly and appropriately.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX continue to report inaccurate information on my consumer file. There are several inquiries that I did not authorize and have not been validated as belonging to me. I demand each credit bureau provide me with the documentation bearing my signature and that of the company listed that proves I have authority. Each bureau is paid to report information to help determine the credit worthiness of each consumer and by reporting incorrect information that hurt the credit profile and credit scores I am damages due to this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian
Consumer complaint received 2023-02-19
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (OH)

Home Depot/CBNA has on my credit report, me owing them close to XXXX  and it is seriously damaging my credit report. I went from about a XXXX to a XXXX because they are saying I am responsible for my debt. The debt belongs to my sister and I was only an authorized user. How am I responsible for this debt and why do I have to pay it? This is unfair and I wish for you to investigate Home Depot/CBNA because I believe I am being XXXX XXXX  to pay this debt by damaging my credit report.
Consumer complaint received 2023-03-09
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. (VA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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