davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hi, On XX/XX/XXXX my bank account for XXXX Bank account was charged twice for the amount of {$110.00} which was the balance on my Capital One Credit Card Account. 

Since Capital One charged me twice for a single payment, I requested my bank to return the additional payment, which was returned on XX/XX/XXXX. 

However, the second payment, which was deducted from the bank account, did not reflect on my Capital One balance. 

I have already paid Capital One and provided proof of the payment, and they have done nothing about it. I still have balance which I already paid for, and now I have a late fee along with interest charges. I have spent over 6 hours over the course of the month to try to get this resolved. 

Furthermore, I humbly request the consumer finance agency to take action on my behalf. 

Thank You, XXXX XXXX
Consumer complaint received 2021-03-03
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: CCS Financial Services, Inc. (OH)

I recently challenged on the validity of a derogatory mark on my credit report per XXXX  for Account # XXXX CREDIT COLLECTION SERVICES. Upon, challenging this account, XXXX  deleted the account based on the lack of ability to properly verify all reported information to be accurate. I noticed as, A result of challenging this account with XXXX  AND XXXX  you have verified this same account. It is my understanding that all creditor reports the SAME INFORMATION to all credit bureaus as expected under FCRA, I believe this is a direct violation of my consumer rights and I'm requesting this collection to be DELETED from XXXX  and XXXX  credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX  XXXX XXXX  XXXX Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX : My only telephone is : Telephone : XXXX I do not wish to have any other telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX. 
1 of 2 post office, and they are not reportable as per the FCRA since they are inaccurate. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-07-21
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: CL Holdings LLC (GA)

I have been attempting to dispute an unverified account on all 3 of my Credit reports during this process I have sent 2 dispute  letters as well as debt validation letters each certified to XXXX XXXX and XXXX on dates XXXX XXXX and XX/XX/2020 to Jefferson Capital Systems LLC as well as the original creditor which is XXXXXXXX XXXX. The only response from the XXXX XXXX was an invoice sent on XX/XX/2020. They have been unable to provide me with original contract bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from Jefferson Capital Systems LLC it has been brought to my attention this debt has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have bran violated by Jefferson Capital Systems LLC regarding this account. I have submitted this complaint in attempt to have this debt removed from all 3 credit bureaus.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2021-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have over a 90 day period dispute this account auto debt to remove this account with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need the account ( XXXX XXXX  ) to be removed from my credit profile immediately.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I received a call from the Chase.com phone number. It was titled " potential scam '' but because I recognized the number I answered. Someone on the other side of the line said they were with Chase and that there had been a fraudulent transaction attempted with my account. I had never had this happen with Chase so I didn't think much about it. After they " stopped '' the payment for that amount they went over other transactions on my account ( they had access to my chase.com account ). This is when I thought that it had to be legitimate, how else would they have access? 

After ending the transaction, they told me they wanted to see if I wanted to be set up on a " fraud alert '' system. To do this, the system would have to send through a fraudulent payment. I also did not question this, and followed their requests. They transferred all the money in my savings to my checking and sent {$2000.00} via XXXX to themselves : In the end, these people used deceit to defraud me out of {$2000.00}. 

I called Chase immediately the next morning because this did not sit right with me, and sure enough the transaction was fraud. They stopped my account and I went to a Chase branch right away to transfer what was left to a newly formed account. I had to reset everything. 

Chase opened a fraud complaint for me, and over a month later denied my claim. I have no clue how they think that I would randomly transfer all of my funds to my checking account and send {$2000.00} to someone I have never spoken to. I did not go on XXXX and send the money. They used their access to my chase.com account to forward {$2000.00} to themselves. Someone at Chase even told me that there was an IP address on my account from Florida. 

Below I attached the additional information I sent to Chase.
Consumer complaint received 2020-07-21
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (CA)

I have been a US Bank Credit Card holder for 14 years. 
I have never missed a payment nor had a late payment till recently when I lost my job due to the Covid-19. 
In XX/XX/2020, There was a message form the US Bank XXXX, telling consumers that " US Bank Is there to help and there was a link and a phone number to call ''. 
I contacted that number and asked the rep to do a 90 days deferment for me, just like I did ask XXXX, XXXX XXXX   XXXX XXXX ... 
US bank was very vague and did not specifically say that they have a deferment program but mentioned reversal of Late fees. I mentioned that all my other Credit Card Companies offered the 90 day deferment and why wasn't US bank following their Lead ... There was no answer from the rep. 
Long Story Short, I get calls from US bank on XX/XX/XXXX & XX/XX/XXXX and they collect a payment from me, not enough to cover my minimum payment, I again mention to them about a deferment option and they are vague and do not give me a definite answer. 
Finally they call me XX/XX/XXXX & XX/XX/XXXX and collect all of their past due, then they put a 90 Days late on my credit, lowering my score XXXX points in 1 day. prior to this I had never had a late payment with any of my creditors and they ruined my 100 % payment history. 
I contacted them several times, and wrote to them, but they refuse to take these late payments from my credit stating that " The account information reported by US bank to CRA is accurate '' Another Ironic Twist ... 
Today I received an email from US bank giving us a message from their CEO ... 

" Banks are the cornerstones of communities and, in times of crisis, it is more important than ever for people to know they can count on us. We take that responsibility seriously. I wanted to let you know about some of the things we are doing to help minimize the impact XXXX has on you, our employees and the communities we serve '' This is almost comical, since they should say ... 
you can be a loyal Card Holder for 14 years, and Never miss a payment, but if you loose your job during the pandemic, tough luck ...
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (FL)

In XX/XX/XXXX, Audi announced that they are deferring auto loans for 3 months for COVID relief. I contacted Audi to request the 3-month deferment. I spoke to Customer Service Rep, XXXX XXXX, on XX/XX/XXXX and requested the COVID relief deferment. 

It was granted. 

This month, XX/XX/XXXX, XXXX rescibded on theyre official agreement to me and others and changed the terms of the deferred agreement. Audi is saying that they promised me a deferment for 1 month which is not true. They granted me 3 months COVID deferment along with many others. This is an outrage and the most inhuman thing a financial company can do to a citizen of the United States. This is fraud and Audi Financial Services should be fined heavenly. 

To prove it. I complained to Audis Customer Service rep, XXXX ID # XXXX, on XX/XX/XXXX. Then Audi sends me the attracted letter dated XX/XX/XXXX that they are only giving me a deferment for 1 month. Because Audi knows what they did is illegal, they suddenly generated a letter after I complained to protect themselves. This should be reported to the FCC for unfair business practices. ( PLEASE SEE ATTACHMENTS ) Audi granted approval of my Car loan payments and deferred it for 3 months to XX/XX/XXXX, due to COVID relief however now theyre saying now I owe them now and theyre changing their minds. This is an so unfair, immoral and illegal. That is why I am reporting this to you Consumer protection bureau so you can hold them accountable for fraud and trying to swindle customers because Audi financial is singling me out and trying to take back the deferment that they granted me. This is unfair. You cant pick and choose certain people to defer for 3 months and than treat me different and take back my deferment. Id like someone from the CFPB to call me in regards to this.
Consumer complaint received 2017-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

1. I requested from American Education Service ( AES ) all of the documentation concerning the loan. The loan was originally with XXXX which was turned to XXXX XXXX. I asked AES to provide me with the documents stating what company owns the loan and the transaction documentation when the loan was transferred or sold. AES responded that they were unable to provide the information. 2. I was told when I first got the loan that I could remove the cosigner after making 24 payments. Now they have changed the rules : a ) You can not have had a deferment. b ) When making payments, you must wait 30 days before submitting the next payment. This is to prevent a person from paying the 24 payments quickly. 3. The terms of this loan are very difficult, almost fraudulent. The loan was for {$16000.00} in XX/XX/XXXX and no payment until XX/XX/XXXX. In XX/XX/XXXX, the balance was {$21000.00}. A deferment was requested and in XX/XX/XXXX the balance was {$24000.00}. I made payments in Starting XX/XX/XXXX to XX/XX/XXXX and the balance remained the same at {$24000.00}. The balance has fluctuated up to {$26000.00} in XX/XX/XXXX and is {$25000.00} as of XX/XX/XXXX. At this rate I will never be able to pay off this loan. I have  attached my loan payment history. The payment is currently {$210.00} per month. I have asked AES if I could modify the terms of the loan but they said they would not change it. 4. If AES or the lender who currently " owns '' the loan can not provide proof that they truly own the loan or service the loan, then by law they can not collect payments for the loan.
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

I attempted to pay for a t shirt to a XXXX of an elementary school. I mentioned a name in the notes for the order and now PayPal is asking for the date of birth of that name that is not affiliated with my account. They are refusing to resolve the transaction until I provide this unnecessary information.
Consumer complaint received 2020-07-21
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: PNC Bank N.A. (MI)

PNC BANK failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-07-21
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. (FL)

MY IDENTITY WAS STOLEING AND USED FOR TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS THAT I HAD NO KNOWLEDGE OF THE ACCOUNTS OPEN SHOULDNT HAVE BEEN OPEN I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l
Consumer complaint received 2017-08-01
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: EQUIFAX, INC. (FL)

I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.
Consumer complaint received 2020-07-21
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)

FTC Violations XXXX {$1000.00} XXXX {$5200.00} XXXX   {$470.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1000.00} Inquiries : 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  Never live at these addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We filed for Chapter XXXX bankruptcy in XXXX and it was granted. We did not include our home but did not fill out the proper forms ( we did not use an attorney ) to say we would pay the mortgage. 

XXXX we applied for a home equity loan and were told we have two liens on our title. We should not, I am trying to find the bank below to get a pay off letter from them to take it off our title. 

FIRST LIEN : First Franklin Financial Corp - I sent a certified letter to them requesting this and it was " return to sender Not deliverable as addressed Unable to forward '' I've called/researched but am not able to locate a phone number/address. 
I also found out First Franklin is a subsidiary of XXXX XXXX XXXX   of Indiana that closed in XXXX. How do I find current contact information for this bank? 

SECOND LIEN : XXXX XXXX this is who we pay our mortgage to. I sent XXXX XXXX a certified letter ( XX/XX/XXXX ) requesting debt verification for the mortgage. I got a letter from them ( XX/XX/XXXX ) saying we would hear back in writing in response to this request in 30 days. The letter also said the note holder of the mortgage is : XXXX XXXX XXXX XXXX with an address, I sent them the same debt verification certified request letter. I got their card back that they received the letter but I have not heard from them. It's been over 30 days - what recourse do I have, if I don't have proof of the debt?
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.