davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally : CAPITAL ONE CAPITAL ONE, XXXX CAPITAL ONE XXXX, XXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

Yes I have 7 emergency room visits because I did not no that I had XXXX  XXXX  XXXX. All 7 was picked up by ars account resolution company. This is destroying my credit. I had insurance for all 7 of these bills. Please have the company bill my insurance sooner care. XXXX  bless and thank you XXXX. 
XXXX XXXX XXXX XXXX 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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX reporting on at least experian credit that the account was over 120 days late on XX/XX/2021. I paid the loan off in full in XX/XX/2021. It was never 120 days late. 

Contacted XXXX  XXXX and they said it can take 30-90 days to fix. They verified that the information is incorrect but they are unwilling to send a letter stating this so that I can do a rapid rescore on my credit. I have property in contract and unable to get financing secured because of this error. 

I need it fixed ASAP.
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

Debt collection violations under { ( 12 CFR 1006.34 ( b ) ( 5 ) } { ( 12 CFR 1006.34 ( c ) ( 4 ) }, { ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Caine & Weiner Account XXXX XXXX Nature of complaint ; I am filing a complaint against Caine & Weiner for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide validation information as required by law. I was never contacted by Caine & Weiner regarding a debt they claim I owe.they placed a collection on my credit report, but they never sent me a written notice that included the information required under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA.this information includes details about the debt, my rights to dispute it, and the consequences of not disputing it. With out this validation information, I am unable to verify the legitimacy of the debt or exercise my rights under the FDCPA. RELIEF SOUGHT : I request that the CFPB investigate this matter and take appropriate action against Caine & Weiner. This includes : Ordering the collection agency to provide me with the required validation information. 2.ordering the collection agency to remove the collection from my credit report, if it was reported without following proper procedures.3.ordering the collection agency to cease all communication regarding this debt until validation of information is provided.4 Ordering the collection agency to stop using false and misleading information or deceptive means to collect debt.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Closed account reporting erroneous derogatory information on my credit file. 

Creditor : XXXX Closed : XX/XX/XXXX ( Paid in Full ) Compliant : XXXX has been reporting late payments to Credit Bureau on the closed account as if it is still an open/active account. 60-day late have been reported in XXXX of XXXX. 

Disputed with the XXXX, and have not been able to get resolved. 
Contacted creditor no resolution Spoke with XXXX customer service Manager with XXXX, still waiting on a return phone call to provide the information that is being updated and removed.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (TX)

The Chase bank checking account XXXX was closed on XX/XX/2019 by my written request to the account officer XXXX XXXX , and she alleged it was done. 
But there were several unauthorized withdrawals totaling to {$670.00} from the closed account after XX/XX/2019. 
Chase bank even allows the funds to be withdrawn and proceeded to impose the payment on me. I sent Chase bank letters on XX/XX/2019 and talked to the account officer Mrs XXXX XXXX on XX/XX/2019 to demand corrections however the matter was neglected.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have made 3 attempts with XXXX XXXX XXXX XXXX by certified mail concerning their account number # XXXX for a debt in the amount of {$200.00}. I have notified them this is not my debt and asked how they are verifying this debt. I requested something with my signature instead they sent me an itemized bill. I have requested 3 times something how they are verifying this and something with my signature. They have yet to comply. I have requested the 3 credit bureaus to remove this from my credit file due to XXXX XXXX not providing me with undisputable proof. XXXX and XXXX  have removed it from my credit file. Equifax has responded with XXXX XXXX have verified it with them, but to this date Equifax has not has not or will not provide those facts with me. I want this removed from my credit file.
Consumer complaint received 2019-04-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2 (GA)

XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX is Persolve Legal Group, LLP my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CO)

US Bank started profiling gun stores ( which is a Constitutional right ) and asking all kinds of non-transaction questions to determine if we sold guns. They put it under the guise of " know your customer '' and used that to ask all kinds of non-transnational questions. I referred them to the ATF and FBI for the gun specific questions that were not pertinent to our banking relationship ( they wanted to know how we shipped guns etc ). They then closed my accounts because of this illegal profiling. They claimed they needed to know where my cash deposits came from - they know good and well and XXXX the manager and staff have been in my store before. So they knew who we were and it's not a secret that gun stores deposit cash. It was purely a witch hunt.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (KS)

Account Resolution Corporation, a thrid party debt collector is attempting to collect a debt consistently violating my consumer rights per the FDCPA. On or about XX/XX/2022 a debt validation request and notice of dispute was sent to ARC certified return receipt # XXXX XXXX XXXX XXXX XXXX. To this date no response has been received. Which in and of itself is a violation. On or about XX/XX/2022 an Affidavait of Truth, eveidence of their violations, and Notice To Cease and Desist, was sent certified registered mail return receipt # XXXX XXXX XXXX XXXX XXXX. My complaint today is a documentation of the written documents sent to them. All mailed documents were notarized appropriately. I have excluded evidence from this complaint that is in the mailed packages, but have included the invoice because I believe it was left out of the mailed package and I may not have sent a complete package with all eveidence. I will mail the the complete package tomorrow ensuring the invoice is included again. I WAS CLEAR IN THE CEASE AND DESIST ARC SHOULD COMMUNICATE ALL THINGS TO ME IN WRITING AT MY HOME ADDRESS.
Consumer complaint received 2022-04-28
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: FIRST NATIONAL BANK OF OMAHA (FL)

During my call with the creditor, they stated If I did not pay the debt in full I would lose my credit account and it would be reported to the credit reporting agency as late and placed into collections. I told the creditor that I did not have all the money and I would need to make a few small payments until I caught up. The creditor hung the phone up and began to report late payments. 
Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigatethis request within 30 days, and promptly give creditreporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureaus notice to finisher of informationwhichdetails your responsibilitiesunder the Fair Credit Reporting Act as a furnisher of information to credit reportingagencies.This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.Please confirm within 20 days that you have directed these credit reportingagencies to remove this information.Thank you for your immediate attentionto this matter.
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

On XX/XX/XXXX of XXXX I called XXXX Toyota in XXXX XXXX, MD to lease a XXXX XXXX XXXX. After negotiating with the XXXX on the phone and agreeing on the terms for the specific model I wanted, I agreed to come to the dealership to sign the paperwork and take delivery of the vehicle. My daughter and I arrived at the dealership around XXXX pm. We waited several hours before we could be seen by the XXXX because he was helping a bunch of other people with their purchase. Once he finally got around to us, and we went to the finance office to sign the agreement, the XXXX told me he could not honor the rate he quote me on the phone because my credit score wasn't high enough. The rate he offered me significantly increased the monthly payment on the vehicle I wanted to lease. So he found a different vehicle that would get me closer to a monthly payment that worked for me. It was almost midnight by the time I signed the paperwork and left the dealership. 

Upon reflection of the series of events that transpired on the evening of XX/XX/XXXX and after reviewing the lease agreement, I discovered numerous Truth in Lending Act ( TILA ) and Fair Debt Collection Practice Act ( FDCPA ) violations. In the affidavit of Truth I attached I only outlined the TILA violations that were committed. The managers failed to provide me with the proper disclosures required by TILA. For example, the XXXX was suppose to disclose to me that I had the option of having the auto insurance included in the finance charge or pay for insurance out of my own pocket. They also failed to disclose my right of rescission and provided me with the form to rescind the agreement. However, my biggest grievance with the agreement is the fraudulent and deceptive nature of the agreement itself. I AM the original creditor and I granted the right to the creditor to extend my credit back to me. They had me believe I owed a debt when in fact I did not owe a debt. According to TILA, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. According to Maryland state law the warranty company offers warranty products to a consumer is suppose to be registered on the state 's website. The warranty company XXXX Toyota uses is Guaranteed Automotive Protection. They are not listed on the state 's website as a registered warranty company. This is another violation. 

On XX/XX/XXXX I sent a Affidavit of truth via certified mail to Toyota financial Services informing them that I was exercising my right to rescind the agreement.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

I signed up for the Chase XXXX card a year ago, and paid the first annual fee because of the advertised 2 free nights. However, when I logged into the website to book a hotel stay to use those nights, I was unable to do so. I contacted the XXXX Rewards service, but they did nothing to help me. 

Because of this, I went the rest of the first year without using the card ( because why use it if I can't get any rewards ). Today, I attempted to cancel the card, and was met with a lot of resistance in the process, but was eventually able to do so. However, I am still being to pay the second annual fee, despite not having used the card in over a year, and despite the fact that I did not consent to a renewal. I consider this fee to be completely fraudulent.
Consumer complaint received 2022-04-28
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. (AR)

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

I made a payment of {$40.00} on XX/XX/XXXX, then went to pay the card off on the XX/XX/XXXX. The XX/XX/XXXX payment had not posted, so I paid the full amount showing due of {$610.00}. Instead of paying the card off, they are now saying Im delinquent even though Ive paid more than whats due. Plus, Im sure they have reported it to the credit bureaus.
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

XXXX XXXX. XXXX Servicer : Mr. Cooper aka XXXX Mortgage. 

During Covid-19 I received a forbearance of my home loan under the Cares Act due to financial hardship. It lasted 18 months and ended XX/XX/XXXX. Afterwards, I was approved for a Payment Deferral Plan. ( See attached ). 

Mr. Cooper was authorized to withdraw the funds in 2 lump sums from my bank account in XX/XX/XXXX to bring my account current. In accordance with the Forbearance and the Deferral Plan, my account was to remain in good standing with the credit bureaus. 

However, Mr. Cooper failed to withdraw both payments from my account and instead chose to withdraw only one. Sufficient funds were in the account. As a result of its negligence, my account was not brought up to date as per the agreement. 

I received notice in XX/XX/XXXX that my payments had not been made and therefore my account was placed in default! And it was reported to the credit bureaus that I was 180 days delinquent on my account! This was false and was caused by Mr. Coopers own negligence and was no fault of my mine. 

Mr. Cooper has refused to acknowledge its error and instead blames me for the lack of payment. Since then, I have made all payments due on the account, they refuse to remove the negative reports from my credit report. 
They also continue to send me foreclosure notices, post them on my door, and then send letters to disregard. This has caused great harm, financially and emotionally including distress and anxiety. 

These actions are in violation of the Cares Act and the CFPA. XXXX is known to act unscrupulously when it comes to servicing mortgages. I would like this wrong to be righted.
Consumer complaint received 2020-12-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020, I sent an letter to XX/XX/XXXX Home Loans ( account # XXXX XXXX. I advised XX/XX/XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XX/XX/XXXX Home Loans sold the loan to another company and should be reported 90 days past due.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-07-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Ive submitted a dispute about a transaction around the XXXX of XXXX. The lady herself told me regulation E mandates any and all banks provide a provision credit or refund until the case is solved and I havent received anything. My financial advisor works at a bank and he was the one who alerted me of this violation so I am trying to sue.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I used Bank Of America to pay for my stay in a villa in the XXXX XXXX. This company holds an account with Bank Of America so I felt protected if anything were to go wrong. My first deposit was on XX/XX/XXXX in the amount of {$2000.00}, then my second deposit was on XX/XX/XXXX in the amount of {$6400.00}. I called Bank Of America and explained to them what happened and they said there was nothing they could do even thought it was from an account in their bank.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach. Both XXXX  and XXXX  sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, with identification, to Equifax requesting the pin number. They have not responded. 

Please get Equifax to respond to my request.
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. (GA)

Equifax is reporting I have XXXX collections in the summary section of my credit report. However, I there are not collection listed, please correct the error as it's effecting my credit report. 

I have attached screen shots as well. Please correct ASAP.
Consumer complaint received 2020-12-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2020, I sent an letter to XXXX XXXX XXXX Home Loans ( account # XXXX XXXX. I advised XXXX XXXX XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XXXX XXXX XXXXXXXX Home Loans sold the loan to another company and should be reported 90 days past due.