davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-01
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. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-02-12
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. (CA)

Unauthorized charges were made on my BestBuy Visa ( handled by CitiBank ) on XX/XX/XXXX and XX/XX/XXXX. 

Police report was filed with Officer XXXX XXXX XXXX XXXX Police Department Case Number : XXXX BestBuy reversed those charges on XX/XX/XXXX and XX/XX/XXXX in full. I also received a replacement credit card. I assumed the matter was resolved. 

Then on my XX/XX/2021 statement, all of the fraudulent charges that had been reversed had been undone and placed back onto my account. 

I have left one written and four verbal messages for a callback from the CitiBank investigations department ( they do not respond via the online messaging center - only callback ). I have received no return phone calls, despite leaving one message with the rep on the line, assuring me that I was using the correct mailbox. 

On XX/XX/XXXX, I spoke to XXXX ( employee ID : XXXX ) who was also unable to reach the investigator, XXXX assigned to my case.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (FL)

Applied for American Express Card upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the Amex app. We went through this several months ago with my wifes Amex card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but Amex continues to send this report. Have been a customer of Amex for 23 years. Dont think we will make it to 24 years but I want this information fixed
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

This company is violating my consumer rights pursuant to 15 USC 1692g. I sent this company a letter on XXXX XXXX requesting an audit trail. I still have not received a response from this company. This is my last time requesting this information or i will file suit. I want to be extremely clear on the next thing I'm about to say .... Once i file suit I WLL NOT settle out of court.
Consumer complaint received 2024-03-24
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc. (PA)

KIKOFF LENDING LLC, I am writing to formally demand that you cease and desist all further communication and actions regarding any purported loan or account associated with my name. I have become aware of deceptive and fraudulent practices employed by your company, and I refuse to tolerate any further harassment or misrepresentation. 

It has come to my attention that KIKOFF LENDING LLC falsely reported a loan on my credit report, under the guise of an alleged savings account, with the promise of boosting my credit score by XXXX to XXXX points. However, over a three-month period, I only observed a minimal increase of XXXX points, which falls far short of the representation made by your company. 

Subsequently, after I requested the closure of my account, KIKOFF LENDING LLC proceeded to provide false and derogatory information to credit bureaus, tarnishing my creditworthiness and integrity. This action is not only malicious but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I demand that you immediately : Cease all attempts to report false information about me to any credit bureau or third party. 
Cease all attempts to collect any alleged debt from me. 
Remove any derogatory remarks or false information already reported to credit bureaus. 
Confirm in writing that you have complied with these demands within 30 days from the date of this letter. 

Failure to comply with these demands will result in further legal action, including but not limited to pursuing damages for defamation, violation of the FCRA, and any other applicable laws. 

Furthermore, I intend to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the fraudulent and deceptive practices of KIKOFF LENDING LLC. Your unethical behavior must be brought to the attention of regulatory authorities to prevent further harm to consumers. 

Please be advised that I am retaining all records and documentation related to this matter and will not hesitate to pursue legal recourse if necessary.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC (TN)

1.I have never had an account with this company XXXX XXXX XXXX XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are THE LAW OFFICE OF XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-12-06
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. (PA)

hello, I logged in to my account and saw some unauthorized inquires on my account, I called in and they told me to attach my FTC report, my ID and social security card to my letter and they'll get it removed. in my supporting documents is everything that I understand that needed to be submitted. please remove these unauthorized inquiries off my account.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TRANSUNION : XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I'm currently having issues with my capital one credit card. I made a payment on the credit card at the branch located on XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX. I made a payment using the ATM and the machine was out of paper and I didn't receive a receipt. 

The Payment was for {$300.00} that I made in cash and the ATM informed me t hat the payment went through. This happened nearly a year ago in XXXX of 2021. Since then I have been having issues with the bank as they are not recognizing the payment and have since closed my account.which has negatively impacted my credit score. Since then they have not only added fees to this account but also I have never received any communications from the bank in regards to this account. I only came to find out that it was closed and impacting my credit score after reviewing my credit report with a Financial Advisor.
Consumer complaint received 2022-03-01
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I reported a case of fraud on my Union Bank credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a Union Bank investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. Union Bank should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at Union Bank. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from Union Bank, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. Union Bank has mishandled this entire matter from the beginning.
Consumer complaint received 2018-03-12
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: JPMORGAN CHASE & CO. (UT)

On XX/XX/2017 I was charged {$4000.00} on a card that someone had put in my name. The company then closed my account because of missed payments and when I tried to dispute the charge, they said they couldn't help because my account was closed.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, they claimed they were a debt collector, about an old debt I owed. They sent me an electronic document wanting me to sign it authorizing them to take bi-monthly payments out of my checking account till the debt was paid in full. 
Recently I needed to contact them in regards to an upcoming payment. I Googled their business name & found out they were not debt collectors at all, but a scam. I called them & told them that I would not be making any more payments & that they were a scam. They immediately hung up the phone on me. 
They started taking payments from my checking account last year starting on XX/XX/XXXX. Below is a list of dates and amounts that were taken out of my checking account. 
XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$230.00}
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

File Number : XXXX Date Issued : XX/XX/XXXX TransUnion refused to remove all UNAUTHORIZED CREDIT INQUIRIES! 
I have been in contact over the past 4 months and TransUnion keep turning me away.TransUnion will not do there job!!! 
INQUIRIES # 1 : XXXX XXXX- XX/XX/XXXX 2 : XXXX XXXX- XX/XX/XXXX 3 : XXXX XXXX- XX/XX/XXXX 4 : XXXX- XX/XX/XXXX 5 : XXXX- XX/XX/XXXX 6 : XXXX XXXX-XX/XX/XXXX 7 : XXXX- XX/XX/XXXX 8 : XXXX XXXX- XX/XX/XXXX 9 : XXXX XXXX XXXX- XX/XX/XXXX 10 :  XXXX XXXX- XX/XX/XXXX 11 : XXXX- XX/XX/XXXX 12 : XXXX- XX/XX/XXXX 13 : XXXX   XXXX.-XX/XX/XXXX 14 : XXXX XXXX- XX/XX/XXXX 15 : XXXX XXXX- XX/XX/XXXX 16 : XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — Store credit 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. (GA)

I purchased an open box computer that was broken from XXXX XXXX on XX/XX/XXXX i returned and exchanged the computer the next day for a new XXXX computer totaling {$1000.00}. the computer malfunctioned within a few weeks of purchasing and i visited the store approximately 15 days after the purchase to return/exchange the computer. the customer service rep at the store stated that the window for return had closed and i must contact XXXX for warranty repair. at this time i was not aware of my right to return a defective item, and was not aware that the store actually had a 30 day return policy. 

i contacted XXXX a few times to try to initiate a warranty repair. they promised to send me an overnight box to ship my computer to them. it took a few weeks from my initial call to actually receive the box. the repair process took about a month. upon receiving the computer back, the computer started malfunctioning again almost immediately. 

this is when i filed a dispute with citi best buy card services, explaining my interaction with the deceptive XXXX XXXX   employee, the defective product, etc. Citi QUICKLY sided with XXXX XXXX on this matter, stating that i was outside of the return window. Ha. its been months, of course its outside of the return window now. i am not disputing that. 

. the problem has gotten progressively worse and the computer is now unusable. i contacted XXXX for a return box about a week and a half ago for a return box. it has not been received and XXXX repeatedly tells me that they have no record that i initiated a second repair request. i contacted Citi yet again to open another dispute. they stated that they have already sided with XXXX XXXX, that it was past the return window, and they will not open a new dispute. 

i question citibanks business practices as they sided with their business partner and provided no valid reason as to why. i should be covered under the purchase protection plan that they offered me.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

Westlake financial has been giving me the run around for almost 3 years and now they are saying there not responsible for reporting the money Ive payed on my account for almost 2 years XXXX $ .they are saying that its another firms responsibility and when I call the other firm there saying its westlake responsibility to do it .but every single month my closed off account by them goes up XXXX $ even tho Ive already settled it in court .please can someone help me before I get a lawyer!
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (MI)

I received a brinks money prepaid card in the mail today ( XX/XX/2022 ) that I did not request. I thought maybe when my tax person filed my taxes, he offered it for me at that time, since I've only been living at my apt for a month and was actually using a family members address for mail. I did not apply online for anything or put my address online or do a change of address even. However this came to my home address ( not the address I'm using for mail ) and so I thought since it MIGHT be my taxes, I'd activate it. I downloaded the mobile app, and started the process. As I was doing this, it asked for further confirmation of my identity. I snapped my ID and submitted it. A couple mins later I received a message stating I couldn't be verified. Then it logged me out. When I went to sign back in, it said my account was locked. I called the number on the back of the card, and a foreigner answered. He then told me to email my ID, social security card, and proof of address over to him to activate the account. ( XXXX ) and gave me a number but did not tell me what it was for ( XXXX ). I explained to him this really does seem like a scam, and asked if he could give me any information regarding if there was a balance on this card for me to even bother activating it, bc I had not ordered it and I do not have any brinks prepaid cards at all. He got very defensive and told me " this is not a scam ''. I'm really leery about this and I even XXXX  if there's a brinks prepaid card scam going on but there was no clear answers. Please help
Consumer complaint received 2019-08-03
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. (GA)

Dear CFPB, I have contacted Equifax Informations Services over 6 times and to no prevail. They are not reporting and investigating the unauthorized and fraudulent account. I have provide all the documents requested by the FTC and Equifax. The creditor stated they have not been contacted by Equifax to verify that account and have no records. 

This is becoming Stressful dealing with Equifax and I am also including in their data breach to add more stress to me and my family. I need this resolve promptly and need Equifax to do the right thing in investigating and removing this misleading information on my credit profile. 

The account that does not belong to me and needs to me Delete and remove promptly is : XXXX XXXX  XXXX XX/XX/2015 {$6500.00} I have tried everything the right way and still Equifax is not doing the right thing to help resolve this situation that against my FCRA rights. 

Thank you for helping me resolve this issue. Appreciative XXXX XXXX
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I wrote capital one to get my account restored and a copy of 1099-C was filled for {$100000.00} to open up an investigation for final accounting with XXXX XXXX XXXX XXXX XXXX XXXX 

My writing were ignored I feel my Payment was discriminated against seeing my creator does not allow us to pay in dishonor and died for my sins. 

Pursuant to 18 U.S. Code 242 - Deprivation of rights under color of law my religious rights were violated. My creator gives me abundance. I was discriminated against under XXXX of law titles. 

My account was closed and my character was defamed by capital one bank this falls under United States Code : Fraud and False Statements, 18 U.S.C. 1001-1026 ( 1952 ). 

This matter needs to be investigated.
Consumer complaint received 2022-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

I financed a washer from XXXX XXXX in XXXX, XXXX  in XXXX XXXX. I have been paying monthly on time and called to request a pay off balance since I have paid appr. {$460.00} of the {$760.00} I financed, and they stated the pay off balance would be {$690.00}. The interest rate is XXXX XXXX, which is beyond the XXXX installment loan interest cap.