davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX, XXXX ( XXXX ) /Capital One Services , LLC is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.

2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.

3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with XXXX XXXX XXXX, XXXX ( XXXX ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
Consumer complaint received 2022-01-11
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. (CA)

I have repeatedly asked XXXX to remove/delete outdating information in my credit file. I have submitted to them a copy of the report that they themselves have sent to me clearly indicating the first delinquency date of XXXX therefore making XXXX XXXX years and yet they continue to do nothing, continue to drag their feet and continue to clearly report inaccurate and outdated information which is a clear violation of the FCRA and FDCPA.
Consumer complaint received 2021-11-07
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. (NY)

Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. ''
Consumer complaint received 2018-02-06
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: CITIBANK, N.A. (AZ)

I pulled up my credit report in the end of XX/XX/XXXX. I noticed with the credit bureau, XXXX, there has been some hard inquires by the creditor CBNA. I have not applied for any credit cards or anything from CBNA for the dates of the inquiries. The inquiry dates are XX/XX/XXXX and XX/XX/XXXX. I contacted CBNA ( Citi Bank ) and spoke with a representative on XX/XX/XXXX about doing a credit reporting dispute. The representative seem to have doubts in what answer to provide me for a solution. He then proceeded and advise I fax a letter to a fax number that was provided. I, the consumer, had to initiated and ask what information do I need to provide in this letter to fax. Due to my lack of confidence with the representative and felt there was no resolution I am filing a complaint.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (AZ)

I originally submitted a dispute to the CFPB on XX/XX/2020 and below is the XXXX. excuse as to why Experian does not want to serve my needs. I am so offended of the stall tactics. I demand all of my issues on the letter enclosed get served. Experian is non compliant and I am ready to pursue legal action. SEE EXPERAINS WRITTEN RESPONSE ENCLOSED : Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. COMPLAINT NUMBER FROM CFPB= XXXX
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

This is in reference to complaint number XXXX that was closed before my problem had been resolved. I received the title, that I had been waiting on since XX/XX/XXXX, from Hyundai Motor Finance but their title department recorded the wrong mileage on the title. So I called them on XX/XX/XXXX, when I finally received the title, to let them know that I now need an affidavit of correction for their error of the mileage. I was told it would take 3 to 5 business days. I have now been waiting XXXX business days and they just told me it is still in process. I have spoken to three or four supervisors and they tell me it's been escalated. But I'm still waiting on the affidavit. In the mean time we have retailed this car to another customer and still can not get Hyundai Motor Finance to resolve this issue. I have been lied to countless times and my issue still has not been resolved. Until I get an affidavit of correction for the mileage on their letterhead this issue is still pending. I paid off the vehicle back on XX/XX/XXXX, received the title XX/XX/XXXX with a mileage error recorded on the title by Hyundai Motor Finance. And we still can not process the sold vehicle because Hyundai Motor Finance can not do the right thing and escalate and resolve this problem. We just need someone to type an affidavit and XXXX  it, that's it.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I disputed this account, with macys and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Electronic payment was made to credit card account on XX/XX/2020. On XX/XX/XXXX, I requested that the funds be applied to raise available credit limit. XXXX XXXX refused citing large payment ( under {$5500.00} ) and new account ( under 30 days ) stating a 10 day " float '' was policy. I requested a more complete explanation of the process involved in the alleged " while we wait for the ( electronic ) payment to clear with the other institution. '' I also questioned the applicability of 12 FCR 229.13 ( 1 ) vs the applied 10 day " float. '' The second reply ignored the request for a more complete explanation of the payment clearance process and simply stated " it typically takes 5-7 business days for payments to fully clear the other institution. '' The credit union also ignored my request of how funds availability mandated under 12 FCR 229.13 ( 1 ) applies to the electronic payment.
Consumer complaint received 2019-09-25
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019, I purchased two roundtrip flights on XXXX for my brother and his wife. The next morning on XX/XX/2019, my brother called me to see about cancelling the flight. Since it was within 24 hours, the Department of Transportation has a regulation that states flights may be cancelled in the first 24 hours if the flight is 7 days before departure. The flight was for XX/XX/2019 with a return on XX/XX/2019. I called XXXX to cancel the flight but the agent refused to do so. I also spoke with a supervisor who refused as well. Since they refused to comply with the doT regulation, I immediately called Chase Sapphire, my credit card to stop the payment ( still within the 24 hours, on XX/XX/2019 ). I explained the situation and the agent assured me that they could definitely help to dispute the transaction but she could not transfer me to the dispute center until the charge has posted. She was very enthusiastic and made me feel at ease that it would be resolved as soon as the charge posted. I, therefore, did not pursue any other alternative, relying on my credit card to help me. The charge was {$630.00}. I called on XXXX, XXXX, 2019, when the charge had posted to see about the dispute. The agent for Chase assured me again that it will be resolved and transferred me to the dispute center. The agent at the dispute center denied me my claim and stated they could not force the company to change their policy. I called again that same day to speak to another agent to understand why I was being denied a claim, the agent told me the dispute had been resolved and I asked to speak to a supervisor because I felt they did not resolve any dispute. They never contacted XXXX nor did anything on my behalf. They sent me an email today with statements that I do not agree with. The statements seem to imply as if they contacted XXXX when they did not. They never started any dispute despite my many attempts for them to do so. So how can they claim that the dispute is resolved?
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2022-11-20
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. (NV)

See Attached Files Tracking # : XXXX Initially sent an official Opportunity to cure pertaining to accounts reporting on my account without permission. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX, Has violated my rights. XXXX Has Violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights XXXX5 USC 1681 Section 602 A 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 permission/ instructions 15 U.S.C 1681C ( a ) ( 5 ) Section States no consumer reporting may make any consumer report containing any of the following items of following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/2021 Opened credit card account and made a purchase of {$120.00} in store XX/XX/2021 Made payment of {$60.00} toward the total balance in store XX/XX/2021 interest charge of {$2.00} bringing total remaining balance to {$66.00} XX/XX/2021 was charged a late fee of {$29.00}, called the company 's customer service to have it waived, customer service representative agreed over the phone ( recorded ), and paid the remaining balance of {$66.00} over the phone that was posted on XX/XX/XXXX Continued being charged interest fees and late fees for 3 months upon already paying off the total balance of the credit card. 
XX/XX/2021 interest charge of {$2.00} XX/XX/2021 late fee of {$31.00} XX/XX/2021 interest charge of {$2.00} XX/XX/2021 Late fee of {$36.00} XX/XX/2021 interest charge of {$2.00} XX/XX/2021 Late fee of {$40.00} XX/XX/2021 Finance charge of {$2.00} Total balance as of XX/XX/2021 is {$140.00}
Consumer complaint received 2018-03-04
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: Experian Information Solutions Inc. (TX)

On XX/XX/18, I reviewed my updates credit report and noticed that XXXX XXXX, XXXX, is reporting twice on my Experian Credit Repoert. Negative information is reflecting twice which is affecting my credit score. I'm the process of closing in my new home.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NJ)

On XX/XX/25 I inquired about a loan to pay me backrent with a company called XXXX  XXXX XXXX and they told me that I would be approved for a loan of XXXX and would have 48 months to pay it back. And I accepted they asked for my bank information I provided that. Then they filed disputes on my bank account and took XXXX dollars from me and now do not answer my calls.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (OH)

An online purchase was returned in store and the clerk credited it to the prepaid card from Blackhawk Network ( BHN ). They blocked the card until they received verification of purchase and return. This information was sent over two weeks ago, and they have still not unblocked the card. I have called at least five times and keep getting different excuses ( e.g. we can not open the document ). They have over {$600.00} of my money that I can not access.
Consumer complaint received 2021-11-07
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: Colony Brands, Inc. (PA)

I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.
Consumer complaint received 2019-09-25
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. (DC)

I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus XXXX, XXXX, and TransUnion they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.
Consumer complaint received 2019-03-15
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. (TX)

I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2021-11-07
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: American Credit Acceptance, LLC (PA)

I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.
Consumer complaint received 2018-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NJ)

I am writing in regards to Credit Collection Services Account # XXXX. 
After my conversation with them on XX/XX/2017 my account was settled for the amount of {$480.00}. During my conversation with the representative. I, requested for the file to be removed from my credit report. The representative at the time agreed that the debt would be removed 30 days after the payment was receipt. The agency never send me written confirmation of our phone call agreement nor contact me via any means to inform me that the account was reported to the credit Bureau. I had to contact the credit agency my self and request a copy of my credit report. Upon receiving my report, I noticed that the agency did not put a request to have the account removed from the credit file. I contacted them immediately and they completely denied that they agreed to have the account removed from the credit bureau file. I explained to them my circumstances that I am in which is unemployment and the sacrifice I made to pay this bill.They were unwilling to cooperate with me after they received the payment. Their answer was if you want us to remove this account from your credit file you, will need to pay additional money to our agency. At this point I believe that my rights as a consumer have been violated as I was given false or misleading information in regards to the way my account was suppose to be handled. I would like to have the support of this agency to assist me with the matter as I would like to have my credit file without this collection remark.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have filed my first complaint against Bank of America when they tried to take an auto pay {$36.00} from my closed checking acct., then charged me a {$27.00} return check fee. I had paid the full balance, asked if I owed interest or any other fees and was told no. So i closed my checking acct., never even thinking about the auto pay i had agreed to when i had a balance. so i call and they tell me it is my fault that they fraudulently tried to take another payment & gave me a check return fee, because i didn't unenroll from auto pay?? how can you continue auto pay on an account with a XXXX balance & has been closed by the customers request??? This is evil. So he tells me to go online and unenroll, so i go online put in my id & password and Bank of America now tells me their is no open acct. for this id. They won't let me take myself off of auto pay to stop this evil against me next month. Please help us against this very evil practice.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (DC)

On XX/XX/XXXX. I paid third party XXXX who now goes by XXXX to send XXXX XXXX an Notice of Dispute to Arbitrate through certified mail. XXXX, XXXX XXXX XXXX illegaly sent me debt collection letters on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX failing to provide contractual evidence of us agreeing to do business nor there is any court judgement against me. I did not give this corporation any rights to contact me. I would like to exercise my consumer rights and challenge this matter. I enclosed receipt from XXXX  aka XXXX. I attached the Notice of Dispute document. I added the four debt collection letters.