davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

We were purchasing a television at Best Buy. I made it very clear that I would take the 24 month financing option if and only if it was an asset backed loan and not just credit card financing. We even talked specifically about how more credit cards would not help to diversify credit, but a different type of loan ( e.g. unsecured line of credit, mortgage, car lan etc ) would. 

Best Buy assured me that it was an asset backed loan, but that I had to open a credit card to get the financing. 

What actually happened is they simply opened a credit card with 0 % interest for 24 months with no additional steps. It was an outright lie to get me to buy their product.
Consumer complaint received 2022-12-14
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. (GA)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ASIS FI XX/XX/XXXX. Under the FCRA Section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm a victim of the 2017 XXXX data breach my information was leaked on to the XXXX XXXX please delete the fraudulent accounts that we opened in my name Capital one {$440.00} capital One Walmart {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ascension Recovery Management (TX)

I went to apply for an apartment and the management company was Ascension Management Co.The leasing representative told me I had an outstanding balance of XXXX due to an eviction. I advised them I have never leased an apt . regarding this management company. They gave me the name of the property. I called and I spoke with Asst. Mgr and was told there were a lot of ppl that called due to fraud regarding a asst. mgr was using people info for apts. I was told to call Ascension and no one has returned my calls for over6 months to get this straighten out.
Consumer complaint received 2019-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

Cooling and Winter continues to engage in illegal debt collection practices DESPITE the laws and despite the CFPB orders. Cooling and Winter has violated SEVERAL of my rights under the FDCP AND FEDERAL CONSUMER FINANCIAL LAWS. 
1. They NEVER sent me a notice to validate or dispute the debt only a summons. They filed an illegal lawsuit against me. They never had/nor provided documents to show that the debt was accurate OR enforceable. They also filed a sworn statement from its client with the court even though the signer could not possibly know the details they attested to! PERJURY! And ILLEGAL!

2. Before we went to trial I let them know that the debt was disputed AND that I requested validation of the debt. 30 days has passed and they never sent the requested contract, how the debt went from $ XXXX- {$1900.00}, and who the original creditor was. I ALSO requested these documents through the court, mail, and email and they NEVER responded. ILLEGAL and AGAINST the LAW x 2. AND they continued on with the lawsuit DESPITE me challenging the validity of the debt. 
3. They represented themselves as XXXX XXXX XXXX and AS LAWYERS in an effort to deceive me. ILLEGAL! 
4. Two years ago I challenged this EXACT same debt with XXXX XXXX  who COULD NOT VALIDATE THE DEBT HOWEVER its CLEAR Cooling and Winter simply purchased the debt from them. 
5. Cooling and Winter used the court system for the purpose of intimidation and that was a HARM to me and potentially consumers everywhere. 
6. While in court I asked their representative did she bring the documents I requested more than 30 days ago she stated by law they dont have to respond to my request/show me anything which is FALSE and ILLEGAL!

7. She stated they NEVER received my request by mail or email which is FALSE because if you didnt receive my debt validation request/request for production then WHY were statements, starting at {$1400.00}, sent to me AFTER they were already attached to the summons?? The letter they sent CLEARLY stated it was in response to me recent inquiry this letter arrived on XX/XX/19! 

Ultimately Cooling and Winter deceptive and illegal lawsuit prevailed despite their noncompliance with the LAW and the CFPB order. A request for production was mailed out on XX/XX/19 and as of XX/XX/19 I have YET to receive ANYTHING validating the debt. In court their representative didnt have ANYTHING validating the debt only the false affidavit and as we both know AN AFFIDAVIT DOES NOT TAKE THE PLACE OF A CONTRACT! If this case isnt voluntarily dismissed I will have to take legal action to protect my credit rating and myself. As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court, AGAIN! So far Im at {$6000.00} NOT including my lawyer fees, court cost, and compensation for emotional distress! I look forward to an expedient resolution of this matter.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2019-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC (CO)

This happened in 2014 from XXXX XXXX XXXX in XXXX, CO. I took out a loan of {$220.00} and I submitted a check to pay the loan off and when I did, they recieved it, however they processed the check AFTER my account closed. 4 years later, I am getting certified mail from the company, and then getting threatening phone calls from out of state collectors claiming they are investigators, attorneys and telling me if not paid, then they are going to send a sheriff to issue a warrant for my arrest. 

Along with the original amount, they are attaching huge amounts that don't even make sense that reach up to {$3000.00} They have called me late night, showed up at my residence on a weekday around XXXX Needless to say, this issue concerns me, frightens me and probably ended up in the hospital due to me stressing over this.
Consumer complaint received 2021-11-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There was an account that was reinserted on my Consumer Report Illegally from XXXX, Transunion, and XXXX. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.
Consumer complaint received 2023-07-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MD)

My neighbors sued me starting in XXXX for a prescriptive easement over my property ( moving historical easement location ) and they added myself as a defendant and they added Planet Home lending as a defendant. I contacted Planet home lending and they said they were ignoring the requests for information and other court paperwork because the easement issue had nothign to do with them and they were not going to be involved. A few days before court in XX/XX/XXXX, I notice a 2 page submission from Planet home lending to the courts saying they have nothing to do with the case and have no judgement in any ruling with the easement as it does not affect their lein on the property. I was not notfied they were submitting this letter nor did I have any involvement in the 2 page submission. They already previously told me they would not help me and would not be getting involved.

I just received my monthly mortgage statement and Planet Home Lending has added a {$750.00} charge on XXXX XX/XX/XXXX for Litigation Attorney Fees. They never litigated for me at all and when I contacted them today, they said they are recovering legal funds spent on my behalf. They were separate defendants on the case and were being sued by the plaintiff. 

They said I have to pay it but I never asked for them to write any documents because they choose not to be involved. And not to mention, I received no statement of services for legal nor a separate billing, just my regular monthly mortgage statement. 

Can you assist in determining if this is legal for them to charge me legal fees for something I have no control over as they were sued by someone else?
Consumer complaint received 2023-07-18
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: AMERICAN EXPRESS COMPANY (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-10
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: Kikoff Inc. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 State, I have the right to privacy.

15 USC 1681 Section 604 State 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 treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliant Financial Corporation (CA)

Acct opened XX/XX/2016. Paid for one year no late payments, engine siezed and i was directed to have car towed to a shop of my choice and repairs were to be paid for by reliant financial in which case i would pay for at the end of my term. Mechanic was never paid or contacted by reliant and my car was towed and i never heard anything else about the verbal agreement i was offered. My loan was charged off yet my highest balance per XXXX  states {$0.00} as my highest balance. Account is at {$6400.00} dollars allegedly. I lost my job due to this breach of contract by reliant financial
Consumer complaint received 2023-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (IL)

I got XXXX XXXX XXXX, and unfortunately I had to enter an emergency due to my level of pain, they treated me as it should have been, but the XXXX was postponed, after that I only received a XXXX instead of XXXX XXXX XXXX. They left me for observation for XXXX days despite the fact that my state of health was controlled and the surgeon did not show up to explain the current situation or why they left me an extra day. This whole situation arose when I did not have health insurance. My medical expenses insurance was discharged XXXX week after my XXXX, I received an account statement of XXXX XXXX dollars and no one approached me to review payment options, I have tried many times to dial them, and I even went to look for financing but without any response, this week I realized that they sent my balance to collection even though no one answered me and that they have not been able to call me back to fix or solve the situation, I want to see if there is any way to find a foundation that Help me pay my current debt or, failing that, look for the option for the hospital to give me a discount on the services applied, thank you.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

on date XX/XX/XXXX I request Experian, one of the major credit report agency in USA, a free copy of my last year credit report or for the year ending in XX/XX/XXXX. I am full of adverse surprise due to the following entries, on said report from Experian, on the heading of this report I was included of having eleven names, eleven addresses, and five other records including 28 accounts and six hard inquiries. among the names that Experian has ascribes to me is XXXX XXXX  XXXX. I want to remind this company that in the beginning of year XX/XX/XXXX when I just moved to the Citi of XXXX XXXX from XXXX, NY. Experian published an adverse report against me, I reject that wrong report, few months latter I receipt a letter with a simple apologize from the company but I lost monies, the interest rate on my deb went up due to this adverse report. Now one more time Experian published an adverse and inaccurate credit report against me this time with the possible complicity of XXXX XXXX Bank  and some of its subsidiaries, on the recently credit report against me XXXX XXXX bank   disclose as its name XXXX XXXX and it has been omitted XXXX XXXX XXXX XXXX XXXX the institution responsible of the custody of my interest deposited at the XXXX branch this bank is doing impossible moving in order to evade its responsibility on my case, the bank has transferred most of the potential witness, it has make a lot of document update, post date letter, on XX/XX/XXXX or XXXX of XXXX made new partnership with one of the company the bank said paid my money and this credit report which look at my the bank is trying to avoid that I refinance my home or take equity loan on my home that I have paid during sixteen consecutive years, never have skip a payment never late, even those XXXX XXXX bank has vulnerate my account which has impede me to pay off my loan mortgage and to continue my small business activities I an ready to continue working at my XXXX.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Based upon Bank of America 's latest response to my last complaint, Their response is absolutely unbelievable and just proves that at Bank of America : " The right hand does not know what the left hand is doing ''. 

It took me less than 15 minutes to do a complete & comprehensive review of what Bank of America sent to the OCC & CFPB and I was able to determine that only Bank of America is 100 % responsible for using false and mistaken information they received from an unnamed third-party vendor to declare me deceased on XX/XX/2023. 

The entire senior executive management leadership team at Bank of America, especially XXXX XXXX XXXX, the CEO at Bank of America needs to be held professionally & financially 100 % accountable & responsible for this serious breakdown in management control and their lack of using human review and oversight along with the appropriate level of due diligence to stop this GROSS NEGLIGENCE immediately. All Federal banking regulators, the XXXX and the CFPB, need to immediately conduct a full and complete independent investigation of all the Policies and Procedures at Bank of America, the second largest banking institution in the United States. This is a very serious situation that might also demand a public hearing before the Senate Banking Committee headed by XXXX XXXX XXXX. I personally would be more than willing to testify if such a hearing would be scheduled. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are several credit card companies reporting false information to my credit report. As a result of this false and inaccurate information I am having adverse affects. This information being reporting inaccurately is causing my quality of life to be one of dispaear. I am demanding that the following credit card companies immediately remove all of these inaccuracies from my consumer report. 

Capital One XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affi attatched. Im trying to build my financial stability up while providing during Covid