davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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: General Motors Financial Company, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 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 a account without my written 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
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TX)

This is in reference to the account XXXX. 

XXXX does not have an account associated with the service address Mountain Run Solutions is trying to collect on for XXXX XXXX XXXX XXXX Texas XXXX. 

We signed a contract With XXXX  in XXXX. We moved service locations to XXXX XXXX XXXX XXXX Texas XXXX in XXXX. We notified XXXX in XX/XX/XXXX via phone call and letter we were moving and wanted to cancel service. This was confirmed by an agent. We have not lived at that address since XX/XX/XXXX. Apparently the new owner of XXXX was paying for the service until XXXX. I dont know. 

On the phone with XXXX I was told we signed a contract in XXXX ( and that is the debt being collected on ) yet this contract has not been produced by either party. 

Neither company is being direct or honest and both of you are refusing to look into this matter. 

XXXX billing department, you need to deal with this collection company and get them off my back. I do not owe this debt
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc. (OR)

On XX/XX/2022 I initiated a bank transfer of {$800.00} to Revolut to fund the account. 

Revolut flagged the transfer as needing payment verification which I provided 3 times. 

I reached out via their help chat feature, the only way to talk with a representative, to ask for clarification on why my provided documentation was not sufficient. I was bounced around to many different representatives, often times having to wait XXXX hours to a response in the chat. I have a 26 page chat history from being bounced around so much. 

At first I was told that the provided documentation didn't match the account the transfer came from, then I was told that my husband 's name was in the memo field and that is why the transfer could not be completed. Then they asked for transfer confirmation from the other bank. Then suspiciously they didn't need the transfer confirmation and I received a note saying my account was fully functional and provided a 1 month premium subscription discount. 

Then my transfer changed from " pending verification '' status to " reverted ''. They claim they reverted the transfer on XX/XX/2022 and that within 5 business days I should see it in my other account. It is now XX/XX/2022 and there is no sign of the transfer being reverted.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$170.00}, XXXX  XXXX/XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2017-08-31
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. (NC)

I have been in contact with Equifax credit bureau sending them letters in regards to disputing an account on my credit report. The first letter was sent, XX/XX/XXXX, then another letter was sent on XX/XX/XXXX, another letter sent XX/XX/XXXX, and another letter sent XX/XX/XXXX, and the last letter sent to them was sent on XX/XX/XXXX. 
Yesterday, I received a letter from them dated XX/XX/XXXX, stating that the identification information I provided them does not match their records and then they requested me to send vertification of my identification and current address. My address and identification has not changed since my first letter was sent to them on XX/XX/XXXX, so how all of a sudden can they not find my credit report when my personal information has not changed. They are also taking 2-3 weeks to answer a letter and then send me notification that an investigation is taking place. This is now causing a debt question or validation or anything sent to them taking 45 days or longer to get a response from them or from the creditor. I do not feel this is acceptable and needs to be changed on their end immediately. I have a copy of my Credit file that was sent to me by them with a date of XX/XX/XXXX and a Confirmation # of XXXX and now they all of a sudden can not find my credit report. Again, this is totally unacceptable and needs to be addressed on their end immediately and fixed. I will try and attach the letters that have been sent to them in this complaint, but I do have copies of all the letters that I have sent to them, if I am not able to attach the letters. 
My Birthdate is XX/XX/XXXX, but Section # 4 keeps listing it as XX/XX/XXXX.
Consumer complaint received 2022-04-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (GA)

Sallie Mae bank proceeds to call me and people they've found that are possibly close to me. They are harassing people who are not even related to me in an attempt to reach out to me. I have spoken with these people time and time again. They should not be finding random numbers to harass that are not even related to me.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Received CC from Capital One in XXXX XXXX, with {$300.00} limit, charged {$340.00} by middle of XXXX. 
I made an earlier than required {$50.00} payment on XXXX XXXX, XXXX, from my XXXX XXXX account, from my actual funds on deposit from my Social Security ACH deposit, not from any funds of XXXX, bringing the balance down to {$290.00} by Statement of XXXX XXXX, XXXX. 
On XXXX XXXX XXXX, I was desirous of receiving funds from my Brother and my Sister-In Law, in California and inquired of XXXX as to how such a transfer might be accomplished, though I was informed that no such avenue existed if the sender of funds did not posses the same kind of XXXX card ( XXXX ) as opposed to any other type of XXXX card. Since my Sister-In law has XXXX XXXX Bank account ( s, ) not Capital One or a XXXX XXXX, I called Capital One to inquire as to how such a transfer could be accomplished and was informed by their CSR as to the process and the transfer time and dates of posting of the anticipated {$300.00} transfer. 
I emailed the CSR 's instructions to my sister-in-law XXXX/XXXX/XXXX at XXXX CDT : " CALL XXXX and give them my account number XXXX XXXX XXXX XXXX exp XXXX CVC XXXX stating that you wish to send {$300.00} ON A ONE TIME ONLY basis and then supply them your routing number and account number, none of which discloses to me. 

If you do this before XXXX XXXX, i am told, the transfer should be compete by tomorrow morning. 

Call me back if any questions. '' Thereby a {$300.00} payment was applied to my account on XXXX XXXX, XXXX, which cleared on XXXX XXXX, XXXX, bringing my balance to - {$0.00}. Upon clearance of payment Capital One decided to put a ten day hold on the payment, rendering my available credit as XXXX, for some unexplained reason, except that such payment, made by a blood by marriage relative, the wife of my older brother, who is a well known XXXX XXXX in XXXX California, and who is also, as I, an XXXX XXXX, was considered as sufficiently suspicious to require such a hold which would literally close my access to well deserved credit, and absorb the entirety of an amount of money needed for various purposes at the beginning of the month and denigrating my Credit Score,  which is partially determined by existing AVAILABLE CREDIT, while Capital One states that such available is presently XXXX when the account is fully paid and the original credit line should have been restored upon such fully satisfactory payment, made according to instructions provided by Capital One. " What 's In your wallet? ''
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

my name : XXXX XXXX, My husband used to do my BMW car payment from his bank account ending in XXXX days ago found out that BMW reported me late on XXXX payment saying that payment was received on XX/XX/XXXX, and last date is the XXXX. 
i asked my husband he informed me that he called on XX/XX/XXXX to issue the payment Attached is bank print out showing that payment was initiated on the XXXX, but its not my problem that BMW did it on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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: LEXISNEXIS (NC)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-29
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-14
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. (CA)

XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX reported to Experian as an open account in XX/XX/XXXX and then reported as a close account until XX/XX/XXXX. Shows on Experian credit as an open account with a late payment and the closed due to pay off. 

The second issue is Experian listing my XXXX  loans from the same borrower for one totaling amount as four separate accounts
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to you because I have noticed that the credit bureaus do not want to do their job, which is to report the accounts correctly. While researching the bureaus ' website I noticed that you, the CFPB, are the ones who regulate it and make sure that they do their job. So what I need now is for you to give me a solution.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a checking business account I used for long time with Bofa as long as I was making money with the company at the XXXX. I'm not doing business anymore with that company and I was keeping a low balance and paying for a business credit card attached to this XXXX, when I paid it off, of course I wanted to close it and then the nightmare started with Bofa representatives over the phone, sometimes two hours on that, and the response was always no, for example, it was {$29.00} at that time in the XXXX and they said, well, you have some money still there, {$29.00}, so, I said, ok, send me that refund by check by mail and close the XXXX, again, no, we can't do that, so, I managed to get the XXXX to {$0.00} and forgot to call them again, to be honest with you, I don't have to much spare time to be on the phone for something like this, I'm working very hard to make a living, and now, they are charging me the maintenance fee, with no money in the XXXX, so, anyway I can pay for that, even if it is not fair, but, please, help me to close this XXXX and help other people that they don't know what to do on a problem like this, thanks.
Consumer complaint received 2022-08-29
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. (AZ)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2017-08-31
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: Bread Financial Holdings, Inc. (MD)

Comenity Capital Bank has refused to honor their Virgin America Visa Signature Card sign up bonus. Their credit card bonus terms state : " Earn XXXX bonus points after you make {$1000.00} in eligible purchases within your first 90 days as a cardholder. I have had the card since XX/XX/XXXX. I have spent over {$1000.00} within first 90 days, and the last qualifying purchase posted to my account on XX/XX/XXXX. It is going on seven months since the spend minimum was met. On XX/XX/XXXX, I secure messaged and previously called Comenity and their reps said they will not take responsibility for their own credit card promotion and to contact Virgin America. I contacted Virgin America in XX/XX/XXXX and they also take no responsibility and have not responded with a resolution after multiple calls and emails.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute and request the removal of account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s.

The accounts in question, reported by EXPERIAN, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

EXPERIAN has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, EXPERIAN has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts associated to these accounts. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt.

The purchase agreement between myself and the original creditor.

I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.
Consumer complaint received 2022-08-29
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 submitted a dispute about XXXX through Experian on approximately XXXX XX/XX/2022. Experian advised that they contacted the company reporting the information I disputed, supplied them all relevant information and any documents... 
XXXX stated to CFPB that they have received no correspondence or notice of dispute from the consumer... 
See company 's response report # ( XXXX ) Note XXXX stated that they receive no dispute but I submitted a dispute through Experian and Experian stated they did contact XXXX about my dispute.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed the Initial Fraud Claim due to Identity Theft on XXXX ( at the same time I filed the claims with my other 2 Capital One credit card accounts ) yet when I called on XXXX to check the status, this claim had mysteriously gone missing. So it was re-filed on XXXX with XXXX, who did so very reluctantly. Not only that, but the claim was not notated re : missing original claim filed on XXXX nor did it include all fraudulent transactions and payments that I had just reported to her again. Within hours, before I could call Capital One again about these missing transactions, the claim had already been denied and closed. I received a notice from Capital One on XXXX, stating a credit was posted to my account ( from a previously reported fraud transaction ), and for me to not use my card anymore as it would be denied. I didnt use my card!! The account is closed according to Capital One! These are credits from the merchants with fraudulent transactions coming in and they are not aware of this??? or they refuse to correlate the two and conduct a proper investigation. As I understand this letter, it is stating it will deny any future transactions whether it is a credit refund or a debit charge. My card is closed and has been since I initially reported the fraud, so it is impossible for me to use the card. It is some of the merchants crediting back for the fraudulent transactions that have occurred. 
Capital One has not conducted a proper investigation for fraud claims per the rules and regulations set forth by the Federal Reserve Board. Capital One refused to correct the claim as numerous fraudulent transactions and payments were omitted which were included in my initial claim. 3 ) Supervisor immediately denied my claim as she made false accusations stating I made these transactions. Furthermore, she notated my claims suggesting " not true fraud '' and then immediately denied all XXXX claims.