davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

I deposited a paycheck I received to my citibank checking account they will not give me money back. I've spent hours on the phone with them and visited there branch three times and it's an hour a half from me. I deposited the check on XX/XX/XXXX through the app and it's been more then a month.
Consumer complaint received 2022-05-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (AZ)

In the XXXX  months that I have had my car loan through Mercedes Financial, they have misapplied my payments in at least 7 possibly more of the payments. I have called, written and received promises from MBFS that this would not happen again and yet it does. They have assured me that my account will be checked, but then I receive phone calls, and as of today my account is showing delinquent, and I received mail trying to collect a debt already made. The payments are made timely from my bank, I use online bill payment so that I can retain a clear record of the process and item that is processed. On several occasions Mercedes admitted that they improperly posted these payments to other accounts adding a zero even though the check and account number are correct on the check sent to MBFS. I do not want to have to follow up on Mercedes each month to ensure they correctly post to my account. 

Last weekend seeing the account is showing past due, I called MBFS to obtain an email address where I could send a note. On Saturday, XX/XX/XXXX I sent an email but to date have not received a reply. I did however receive a collection letter distributed on XX/XX/10. I have copied of all cleared checks if needed.
Consumer complaint received 2022-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

Hello- I'm filing this complaint because XXXX is trying to collect a debt that we don't owe. 

Here is what happened : We had asked XXXX to terminate our connection on XX/XX/XXXX as we were moving out of our then home at XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Illinois. XXXX did not act on this and kept billing us over and over again. Until they finally cut our service. I called them numerous times for an updated bill, they didnt respond to this as well. 

I called their customer service ( name, date ) : XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Im spending my time on this for their inability to work through these things. This is seriously stressing me out. 

Our XXXX account number : XXXX XXXX XXXX XXXX Our debt collection # : XXXX I hope proper action is taken. 

Thanks!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2020, I requested a voluntary surrender. The car was immobile due to a mishandled recall repair by the dealership. I advised XXXX that I was moving from the state after my XXXX  child was recently XXXX  I was unable to transport the immobile car with me. However, I offered to have it towed to XXXX. They declined my offer. They advised me to remove my belongings, leave the key, and they would pick it up from the dealership in a few days. I never heard from XXXX again after I initiated the voluntary surrender. They marked my account as XXXX XXXX then an Involuntary Repossession. The involuntary repossession has been reported for XXXX years and has caused me a severe financial hardship.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/22, i called 5/3 bank 10 times called, they answered, then said " call center was closed '' but opened 24/7 they answered 2 times then they will send msg on phone " the office is closed '' but they answered. these ppl will not let me check account balance over the phone as ive done many times i do not want to use app ppl steal. these are ppl in XXXX  i just like to conduct business in usa, as my phi, and others things were breached. im filing another complaint as these ppl causing these problems never had problems with banks until these ppl XXXX are conducting business and stealing on top of it gov knows all going on and its allowedMortified!
Consumer complaint received 2022-05-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute in regards to the incorrect items on my credit report " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2019-11-20
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: Experian Information Solutions Inc. (CA)

On XX/XX/19 I sent a letter certified to Experian regarding a fraudulent account on my credit report and I confirmed that they received it dispute removal package on XX/XX/19 via tracking number XXXX. It is now XX/XX/19 and the disputed item is still being fraudulently reported to my credit bureau and I have not received any update or deletion of this information on my credit report. I am filing a complaint with the consumer finance protection bureau to help me in this matter and expedite this violation of my rights as a victim of fraud. I have paid hundred of dollars in mailing processing and to my credit monitoring websites to refresh and monitor this status. I have paid a total of {$290.00} for this and I am under a severe amount of duress because of this.
Consumer complaint received 2022-05-15
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)

I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. 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 proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SC)

My issue is not with a particular vendor/creditor ... The issue I have is with the way in which reporting is incongruent between states... here is an example ... My file is in SC where neg items stay for 7 years ... someone else with negative items that just happens to be a resident of Texas ... their negative items are gone after just 4 years... 

So my point is... I am being treated differently than others... just because of my national/state origin '' ... this is wrong and the credit laws need to be applied the same... equally to all persons ... and right now that is not the case. 

What is my recourse?... I am not being treated equally.
Consumer complaint received 2022-05-15
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. (GA)

1 : XXXX XXXX XXXX inquiry XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 5 : XXXX XXXX XXXX- inquiry from XX/XX/2021 6 : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX- inquiry from XX/XX/2021 XXXX : XXXX XXXX XXXX inquiry from XXXX XXXX 10 : XXXX XXXX XXXXXXXX XXXX Oda- inquiry from XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. 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 proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close/permanently unable my PayPal account XXXX I am using my Paypal account for my online business/jobs - Encoding tasks and accounting consultation of selected companies since 2021. My Paypal accounts ' funds, XXXX and XXXXXXXX XXXX XXXX have been stuck in it that I have to withdraw asap for emergency purposes. Thru your benevolence, I am hoping that I will get back my account and be able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see the attachment.
Consumer complaint received 2015-07-09
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (FL)

XXXX Missouri I took out a XXXX dollar loan at speedy cash in XXXX Tennessee I have a XXXX and I am on XXXX social security and they told me they would not lend me more than a XXXX dollars because of my XXXX I took the loan of a XXXX dollars and I went back a month later after I took the loan when I received my XXXX check and paid them the amount I owed to them.I have a receipt showing where I paid off this loan.It has been a year since I paid the loan and they are still taking money out of my s.s.i bank account they say I have a balance of XXXX and I paid that loan right after I took the loan out I am on XXXX and it takes everything that i get from s.s.i to live on.I am a XXXX also and this money that they claim that i owe is money XXXX and thing that i need to live on.
Consumer complaint received 2022-05-15
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. (NY)

In accordance with he Fair Credit Reporting Act XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (TN)

During the time of XX/XX/XXXX, I purchased a car from XXXX, using an extension of credit from my cestie que vie trust. Signed a bilateral contract between XXXX and the beneficiary of the trust. XXXX of XXXX, I began receiving harassing calls from BRIDGECREST about an alleged debt. I have sent Bridgecrest several debt validation requests since XX/XX/XXXX. Upon receiving information that the original creditor is XXXX, I requested a debt validation from XXXX to which XXXX responded saying they were unable to validate. Therefore, if XXXX, the original creditor is unable to validate the alleged debt, BRIDGECREST is unable to validate the alleged debt, how then can Bridgecrest claim the debt has been validated? How was the alleged debt validated to be reported negatively to my credit reports? If indeed, the alleged debt is valid, what were the steps taken to validate? Bridgecrest has provided documents that show that Bridgecrest is not listed on the original contract nor does the original contract show Bridgecrest as a signing party to the contract. Therefore, how can Bridgecrest claim they are a party in the contract and how did Bridgecrest obtain my private information? I never consented for my private information to be solicited and bought on back door deals in which I have no knowledge of, this is clear evidence of IDENTITY THEFT and evidence of FRAUD IN THE FACTUM. Bridgecrest has claimed they are the account servicer but has failed to provide evidence of this statement in the original contract. This is another clear evidence of false and misleading statements which is a violation of 15 USC 2B 78ff, which is subject to fines of {>= $1,000,000}. Furthermore, Bridgcrest and XXXX has violated my consumer rights and my privacy rights which are a violation of 18 USC 1028A, and to add, Bridgecrest is furnishing and negatively reporting collections attempts which is another violation ; 15 USC 1692d ( 4 ). At this Time I invoke my right to rescind any alleged contract with Bridgecrest and XXXX pursuant to 15 USC 1635. I have been damaged and demand remedy.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (GA)

1 : XXXX XXXX XXXX inquiry XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 5 : XXXX XXXX XXXX- inquiry from XX/XX/2021 6 : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX inquiry from XX/XX/2021 9 : XXXX XXXX XXXX inquiry from XXXX XXXX 10 : XXXX XXXX XXXX XXXX XXXX- inquiry from XX/XX/2XXXX XXXX
Consumer complaint received 2022-05-15
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. (NY)

In accordance with he Fair Credit Reporting Act XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-15
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 AMERICA, NATIONAL ASSOCIATION (CT)

I had filled a couple of fraud claims and there refusing to refund my money. The first claim was XX/XX/2022 in the amount of XXXX. The second claim was on XX/XX/2022 in the amount of {$760.00}. The third claim was on XX/XX/XXXX in the amount of {$400.00}. And the last one was on XX/XX/2022 in the amount of {$450.00} and they do not want to give me my money back Im so XXXX  off cause I lost my debit card and someone had it and was making withdrawals at an ATM at XXXX XXXX in XXXX, CT. Please help me to try to get my money back. I would really appreciate your help.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I got a letter from CapitalOne that my home number was changed on my account. Since I dont have any accounts with CapitalOne I was alarmed. 

When I called CapitalOne they said checking and debit accounts was opened few days back, fraudulently. They said they will close the accounts. 

When I requested that this be investigated they said they cant do anything more.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights 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 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 an account without my written instructions
Consumer complaint received 2022-05-15
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: V and H Portfolio (OH)

In accordance with the fair credit reporting act., VANCE & HUFFMAN XXXX XXXX has violated my rights. 

15 USC 1661 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.