davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
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. (NC)

I uncovered several addresses that I have never used or lived at after looking over my personal credit file. I also discovered multiple accounts ( listed ), several variations of my name I have never used and dozens of inquiries for accounts I never attempted to get. Personally, I recall receiving information stating that my personal profile was exposed during a computer hack involving XXXX in 2014. It is to my belief that this is where my information was discovered by someone who used it wit out my knowledge.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

I called Bank of the West on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to file all the fraudulent transactions that had happened to my account. I called back on XX/XX/XXXX, the representative who answered the phone call told me that I would get all the money credited back to my account by XX/XX/XXXX. However, I called in again on XX/XX/XXXX to get another update regarding my claims. The representative told me all the claims were denied and the reason they denied all the claims was due to some of the transactions were PIN required. In my affidavit, I already stated that my card was lost but they still told me those transactions weren't possible to be fraudulent. Moreover, the representative said since some of the transactions were PIN required, which means all the transactions were denied because of that. I don't think they do enough research and they shouldn't make decision based on other claims result. In the end, the representative even told me that I am no longer able to call in to file or dispute transactions in the future. I don't think they treated me fairly and take this matter seriously, moreover, they even violate my rights to have any reasonable questioning regarding all the transactions happened in my account. Bank of the West only try to avoid paying the customer back the money they got stolen from other people and never help the customer in any way. They lie to the customer first then find another way to stop the customer from getting their money back by the 10 business days deadline.
Consumer complaint received 2024-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Metro Collection Service Inc. (FL)

Metro Collections Services is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with Metro Collection Services and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory XXXX XXXX Compliance standards. As you are aware, these standards are clearly outlined in the XXXX 's nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. I contacted them numerous of times and I never got the information needed. They also have a notarized letter coming to them that they can not ignore or I will file legal action. Please DELETE ASAP!
Consumer complaint received 2022-08-16
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment XXXX XXXX XXXX  ACCT : XXXX late payments XXXXXXXX XXXX XXXX  ACCT : XXXX XXXX late payments XXXX. XXXX XXXX XXXX BANK ACCT : XXXX late payment XXXX. XXXX XXXX ACCT : XXXX late payment XXXX. XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX  ACCT : XXXX late payments XXXX. XXXX XXXX XXXX XXXX ACCT : XXXX late payment XXXX XXXX XXXX ACCT : XXXX late payments XXXX. XXXX XXXX ACCT : XXXX. XXXX late payments XXXX XXXX XXXX XXXX ACCT : XXXX late payment Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these accounts on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Consumer complaint received 2019-05-24
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. (NC)

I uncovered several addresses that I have never used or lived at after looking over my personal credit file. I also discovered multiple accounts ( listed ), several variations of my name I have never used and dozens of inquiries for accounts I never attempted to get. Personally, I recall receiving information stating that my personal profile was exposed during a computer hack involving XXXX in 2014. It is to my belief that this is where my information was discovered by someone who used it wit out my knowledge.
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: General Motors Financial Company, Inc. (ND)

I have signed for a vehicle on XX/XX/2017 that has XXXX completely different sets of paper work. The second has the date of XX/XX/2017. My signature was forged on it and I have come to the dealership and the bank about these complaints and consumer rights violations and continue to be ignored. I was not disclosed to the rights that I had and I have sent out copies showing that both paper works are different and the banks and dealership copies have forged signatures. I have the original paperwork. They have copies. The annual percentage rate, finance charge, amount financed, total payments, and total sales price are higher on their copies then mine. Which means I signed out for XXXX price and was charged something different. These are clear consumer rights violations. 

My contract. 
Annual percentage rate : {$12.00} Finance Charge : {$8600.00} Amount financed : XXXXXXXX XXXX XXXX Total sales XXXX The Banks and Dealerships contract. 
Annual percentage rate : {$12.00} XXXX XXXX : {$8900.00} Amount financed : XXXX XXXX XXXX XXXX sales XXXX
Consumer complaint received 2022-08-16
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. (MD)

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT XXXX : XXXXXXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (VA)

XXXX has sold a debt of {$770.00} to SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX The debt or bill is not accurate. 
I have reached out to XXXX for a breakdown of the debt or bill but they said they don't have the breakdown in their system. I disputed it on my credit report, it was removed and they have put it back again. 
I went to one of their branches and also called their customer service line for the breakdown of the bill but as I said they told me they don't have the breakdown. How can I own you if you don't know what the bill entails? 
I want XXXX to desist from selling this debt or bill to these collecting agencies if they can't provide me with details of the bill. Also I want it removed from my credit report.
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (OH)

I purchased a vehicle from Carvana I paid my down payment I pay my car note early they did not go over my paper work and sent me an affidavit a few days before my temporary plate exasperation. The representative told me he would check and call me back later in the day I never got the call back. So I called back the next day and had another representative check on my plate. She returned to the line and told me they where going to get me a rental car but I have to pay a {$50.00} dollar deposit for the rental. I dont go get the rental because why should I pay anything when its not my fault. So a week later I call and ask are my registration and Tag on the way now I get Carvana saying they dont know how long it is going to take to get my truck registration or plate. The representative ask me we have given you a rental. I told the representative I shouldve to pay anything for something thats not my fault. She puts me on hold and returned on the line and offered to give me a XXXX dollars for my trouble. I in return ask if they would either put my payment for the month at the back of my loan or waived the payment due to not being able to drive my vehicle so this is my complaint of not compensated for my inconvenience but to offer me compensation that doesnt add up to the amount I pay a month for my vehicle
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (UT)

Banco Popular is using an unlawful loan-to-value ratio of 75 % to cancel our private mortgage insurance requirement, instead of the 80 % LTV required by the Homeowners Protection Act. 

After receiving notice of their rejection of our PMI cancellation request, we called them to point out the error and they would not fix the problem.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

i have held this capital one account for 17 years. i have no lateness. my payments have been varying for the past few months and i am unsure why. this month, XX/XX/2023, i paid my bill early- on the XXXX. it was not due intil the XXXX. i paid from my bank 's billpay service. i paid {$110.00}. apparently, the amount due was {$110.00}. this was evidently a typo while entering the payment amount. i was not notified of this {$1.00} discrepancy by capital one. i happened to check my account today, the XXXX, and noticed there was a late fee. i called capital one to correct this error. i was told that the payment i made, which was early, was {$1.00} short. i explained that this was clearly a typo. the agent stated there was nothing she could do. she transferred me to someone who claimed to be her supervisor, XXXX ( employee ID : XXXX ). XXXX informed me that despite being a customer for XXXX and having no record of lateness, my account was flagged ineligible for a waiver of the {$29.00} late fee imposed for the {$1.00} typographical error. i asked to speak to XXXX 's supervisor and she state dthat there was no one in capital one higher than her. of course, this is untrue. i asked her to speak with a person above her to explain why my account was flagged in this way. XXXX told me that capital obe doe snot have to tell me why they make notations or decisions on my account. she stated that i had no right t know and that all she had to tell me was that my 17 year ols, no lateness account was " ineligible. '' she said its too bad that i- the account holder- don't agree and then she abruptly and rudely disconnected the call, refusing to transfer me to a supervisor- which she admitted that she was not ; and refusing to escalate the matter, per my request. first, it is unconscionable to charge a {$29.00} fee for a {$1.00} error. second, it is completely unacceptable to make adverse notations or flags on a customer 's account without notifying them. third, i get payment alerts so i should have been notified that the early payment was {$1.00} short. most importantly, it is WHOLLY UNACCEPTABLE for capital one to refuse to have supervisors available upon customer 's request, to refuse to escalate matters when the agent can not answer questions or resolve issues. and it is NEVER appropriate to hang up on a customer who is not beligerent simply because you don ; t want to answer their valid inquiry. where are our protections as consumers of financial products?? is this how citizens should be disrespected and bullied by corporations? is XXXX correct- do we have no right to know why adverse decisions are made on our accounts? that can't be correct- it is, after all, a contract, right? as such, it would seem that both parties have a duty to be transparent.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

the problem I have first came to my attention when I asked for an increase limit on my credit card and was denied the return letter from the credit card company stated my credit score was XXXX. I had signed up for a credit watch with trans union which stated that my score was XXXX+ and other s have it at over XXXX who is not telling the truth I think I am kett artificially low on purpose can you help
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

For years now , Navient k ept sending me bills that did not comport with what the representative ( usually not in this country ) was telling me over the phone when I called to ask why no amount was listed as due. The prior calls with other representatives gave contradictory information and I was told that I would received explanatory information in the mail. Nothing would ever come. As a person with a more-than full time job, I could not spend hours on the phone with representatives unable to clearly explain why interest, principal amounts and fees were being allocated in the manner that they were and then I would receive a bill that did not reflect what the representative told  me two w eeks or a month prior.   I inevitably got behind trusting that the representative was correct which then turned into additional fees, interests on top of capitalized interest and added to the principal.
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/2022 I called CMRE Financial services , Inc after receiving a debt collection bill. The first time I called the phone was picked up and then immediately hung up. I had to call again and wait on hold. When the call was answered by a XXXX, I provided my information. When I began to request additional information from this person, I was repeatedly told that this bill was my responsibility, over and over. She would not provide answers to any of the questions asked and became extreme hostile, and unprofessional. She then hung up on me without answering or resolving my questions. This company is not willing to provide answers or properly take information. I feel that they are attempting to dodge calls in order to run up bills and collect additional money.
Consumer complaint received 2023-01-27
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2019-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

I open a business checking account with Suntrust bank in XX/XX/2019 and make 3 deposit between 3 days total amount of XXXX and the same day that I receive my debit card I couldnt activate the card and when I call customer service they said that my account was terminated and if I want more information about it I have to visit the branch when I visit the branch they tell me that my account was closed but the banker said there was any note noticing why they terminate the account, she call someone through the phone and the person said in speaker that they cant tell me why but they just cut the relationship and business with me but in a couples of days they would send a check with my money and a letter letting me know that they close the account because they cant give me my money back in the branch, they havent send the check or the letter and I even use the account as a young entrepreneur and father of a family im very frustrated because this was my startup business and my first payments received and I lost the clients and potentially income ( around {$85000.00} ) i even want to continue with my business Im very disappointed because of the unfairly and discrimination against clients by this institution Im making a call to CFPB to investigate this institution because if you do some research this is not the first time that Suntrust banks do this unfairly actions against clients they let people open accounts and make deposit and in a time lap of 3 to 5 days they closed and hold the funds for several days or weeks without any concrete or reasonable reason