davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COOLEY ENTERPRISES INC (TX)

I XXXX XXXX XXXX entered into a consumer credit transaction with Clay Cooley XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Clay Cooley XXXX XXXX took cash. The finance charge is suppose to inclose insurance, Clay Cooley XXXX XXXX made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 
I was not disclosed my right to rescind.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

This was an account with XXXX XXXX. I canceled my hot spot at the end of XX/XX/2016. I was told that I could come back at anytime and pick up the service. I told them in XXXX XXXX XXXX and then after 60-90 days they were still billing me. I work out of state and was not able to get my mail. I paid everything online. I then called XXXX again and again. They kept telling me not to worry about it. I called the next month then someone else told me that they would not do anything about it and it would go to collections. I paid on this every month that I had this account on time. I then have been disputing this collection for over a year and I have given all the credit reporting agencies the time line when I switched with bills showing when I canceled the account and still because of these big corporations can put in accurate information on your credit report at anytime. I paid on my account and paid for services that I have like any other account that I have. XXXX should do the right thing and take this off my credit report.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (IN)

Everything started XX/XX/2022 at XXXX I received an email from AMEX XXXX American Express XXXX stating that a new account has been open. I surely called the number on the email which was there Identity Protection Team XXXX I spoke to a man and he wanted my personal info like XXXX, XXXX, etc which I declined and only opted to give my last 4 SSN. I quickly hanged up and called the number on the back of XXXX of my AMEX cards to be sure. I quickly explained to the rep qhat is going on and connected me to there fraud dept. and I filed a report on this new account. Later on in the evening I receive a hard inquiry on my credit report finding out through XXXX XXXX at XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX GA XXXX. Never heard of that bank before. Then XXXX minutes later another email pops up stating that a other AMEX product has been processed and approved. I believe now that I am a victim of Identity Theft. That is all the information I have as of now. Help please.
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (CA)

I told them I wanted to stop all ACH transactions because I was filing bankruptcy. They continued to add charges to my loan it was {$910.00} now it is {$1100.00}. They started sending harassing e-mails saying they were going to take the full amount from my account. They made me agree to a payment plan I was not comfortable with to stop them from adding more charges to my loan. I told them I may have to change it if I have XXXX. They emailed me and asked what kind of XXXX I was having despite the HIPAA laws. They also asked several personal questions like how much time would I need off, if I would be paid when I am off etc. I told them I had no contact numbers and the sent an email saying what do you mean you have no work number? The harassment continues. The employees name is XXXX XXXX.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018, Chase has closed two of my credit cards. 

I have built a good relationship with chase. I honestly don't think I did something wrong to get it closed. I have XXXX credit score, few points away from excellent, never missed a payment, and paid all of my debt on the following month. 

I called the chase about 3 times to get it re-open, and they said it is permanently closed, and there is nothing that they can do about it. 

I really need these two cards, because as a full-time student, that 2 % of reward is significant for me. 

Please help.
Consumer complaint received 2024-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avid Acceptance, LLC (AZ)

Avid acceptance is claiming that I still owe the XXXX dollars when the vehicle loan has been paid by my insurance XXXX XXXX in the previous year due to total loss and also my gap insurance paid the rest I have filed over several disputes for this to be taking off my credit report with XXXX and XXXX nothing has changed so far but it is stopping me from other financial assistance
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

I am disputing this account as my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. On XX/XX/2021, I.C. System, Inc mailed me a demand letter which I received on XX/XX/2021, on XX/XX/2021, I noticed that I.C. System, Inc reported a derogatory account to the CRAs which is a violation of my consumer rights because under 15 U.S. Code 1692g ( a ) NOTICE OF DEBT ; CONTENTS a statement that unless the consumer, within thirty days AFTER receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent.

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX  XXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach. 

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from me.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I XXXX XXXX XXXX XXXX do hereby rescind the agreement, transaction, for violating Truth in Lending. Please return any and all property as outlined by the law. 
Respectfully, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-16
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)

A XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for over two years.
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kovo (NY)

The reason for my complaint against Kovo Credit is due to their negligent customer service, which has resulted in the reporting of late payments on my credit report and has ultimately affected my ability to qualify for new lines of credit. I needed to update my billing information on file and attempted to log into my online account without success. Despite requesting password reset instructions multiple times, I never received an email with the instructions. 

I reached out to Kovo via email on XX/XX/XXXX, requesting assistance and did not receive a response until XX/XX/XXXX, six days later, informing me to contact them directly. However, whenever I attempted to reach out, I could never get a hold of anyone. The lack of timely communication from Kovo caused my payments to be processed late, as I was unable to access my online account and did not receive any assistance from their customer service team for account access. 

As a result, I am now suffering from multiple late payments on my credit report, which has damaged my credit score and hindered my ability to qualify for credit. This situation is extremely frustrating and unacceptable.
Consumer complaint received 2021-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried to dispute a charge on my Bank of America credit card ( Visa ) for {$310.00}, 3 times. The vendor 's name is XXXX ( XXXX ) and what I purchased was a voucher for 7 nights stay in XXXX. After several attempts ( emails and calling Bank of America directly ) BofA has declined my claim. XXXX went out business and filed for bankruptcy ; so I tried to get a refund from them before contacting Bank of America. I provided Bank of America all the information requested, the bankruptcy notice from the website ; emails ; my certificate, etc. and Bofa declined my claim 3 times. 
First, they claimed they did not receive any information ; then they said my dispute fell outside the timeframe to retrieve the funds from the merchant ( which is moot given XXXX is out of business now ). I contacted XXXX XXXX  regarding a different voucher ( XXXX ) and I was provided a refund immediately and without jumping through hoops. Bank of America has rejected my claim 3 times. This is unacceptable! 

Account number ending in : XXXX Case number from Bank of America : XXXX Thank you
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

My wallet was stole in the summer of 2018 with my identification card, Social Security card and debit card. I recently took interest in my credit because I am looking to buy a house so I ran my report and noticed I have a few things in collections that I have no knowledge of, and was not aware of.
Consumer complaint received 2022-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP ()

US Bank has denied receiving four mortgage payments for which I have the canceled checks. The months in question are XXXX through XXXX of 2021. I was on the " loan forbearance program ''. US Bank has repeatedly frustrated my attempt to come off this program by making unreasonable demands for documents and unethically attempting to get me to add additional people to the " loan modification papers '' so that they, too, would be obligated to pay the mortgage. Neither my previous spouse nor current spouse were parties to the original mortgage agreement. Furthermore, US Bank sent " loan modification '' papers to the wrong address -- twice -- and when they finally sent me papers at my XXXX address, they included a form for a notary public located in the XXXX of Georgia. Now they say they need a " quit claim '' deed from my former spouse although she was never awarded title to the property. That action would also abrogate the divorce degree, saying that she was entitled to net proceeds from the sale. US Bank accepted mortgage payments from me for 16 years without need any kind of " quit claim '' deed. They wanted to put me in an impossible situation with my former spouse so they could continue to charge me 6 % interest instead of the 3.125 % interest they are supposed to charge for those coming off the mortgage forbearance program. Also, while claiming to have not receive any mortgage payments from XXXX through XXXX, they also demanded that I pay a lump sum of over {$29000.00} by XX/XX/XXXX to avoid foreclosure. US Bank is violating federal law and needs to be held accountable for their illegal and unethical actions. None of US Bank 's replies to my former complaint actually addressed the real issues, and I do not think the complaint should have been closed. I do NOT think the CFPB is doing the job it was chartered by CongresXXXX to do -- it's supposed to be an advocate for consumers, not a shill for unethical banks.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely  wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (SC)

I file an FTC Report XXXX # XXXX ) last XX/XX/2021. I am a victim of " Identity Theft ''.
Consumer complaint received 2021-12-01
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: Kansas Counselors, Inc. (MO)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2020-01-28
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: EQUIFAX, INC. (CO)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (TN)

I received a debt collection letter today ( XX/XX/XXXX ) stating a person who is not me owes a debt of XXXX to a XXXX XXXX XXXX from XX/XX/XXXX. Then there are offers stating if I pay a one time payment of XXXX my account will be paid in full and I must have payment in their office within 45 days. 
It uses portions of my maiden name but not my full same or any name I would have applied for credit under. There are no other identifying features such as account numbers, birthdate, ssn, etc. 
I have no outstanding credit or debt. I do not have any purchases that havent been paid in full and I do not know the creditor or agency attempting to collect. 
I feel that this is a scam/fraud in attempt to make me pay money or provide my personal information or there has been an identity theft and there is some fraudulent charge associated.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (MA)

Equifax still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Equifax has not paid violations invoice as attached.
Consumer complaint received 2022-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (NY)

This scamming debt collection agency is in VIOLATION of 15 U.S.C. 1692g they did not notify me in writing of the debt thats allegedly owed before reporting it on my consumer report. I have no knowledge of this alleged debt. As the original creditor only I can validate this alleged debt. I do not validate this alleged debt so it must be removed immediately.