davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, and XXXX XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Capital One and XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. Capital One, XXXX XXXX XXXX XXXX, and the consumer reporting agencies XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Capital One whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial Institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Capital One never informed me of my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer report containing any of the following items of information any adverse item of information other than records of crimes antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 
15 US code 1681-2 ( a ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to purposes listed under section 1681b of this title. XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-05-04
Product: Credit 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: DISCOVER BANK (FL)

I had work not done or done properly at XXXX car shop, went to another to get it corrected refused to reverse or credit the original non work, said i was a pi and was sent fraudulently signed docs. Refused toc all the XXXX company. Abused me. XXXX.
Consumer complaint received 2020-05-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I was attempting to refinance a mortgage at a lower rate with the same company that had my mortgage, Wells Fargo. The rep sent me some documentation. This documentation indicated my credit file would be reviewed by Wells Fargo. We were not at the point where I would let them review the file, not knowing what the new rate would be and knowing their receipt of my file would lower my score. I telephoned the rep, and she told me there would be no inquiry. This rep lied to me in order to obtain my report and without my consent. I complained to Wells Fargo, and they told me they would fix it. They routinely sent me notices extending the date by which they would reply. This past XX/XX/XXXX (? ) they told me it was fixed. Today, XX/XX/XXXX, I look at my XXXX   report, and the inquiry is still there. I eventually refinanced with another lender. 

XXXX/WELLS FARGO MOR Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX, Capital One sent me an email stating the following : Welcome to the family, XXXX! Now that youre approved for your new XXXX card, you should receive it in the mail in 7-10 days. In the meantime, check out your Important Disclosures and Credit Score Disclosure Notice. Then, be sure to download or print and save a copy for your records. 

I did not apply to have this account opened and have since had that account closed and my existing account with them has also been closed because I can not trust that they wont open a new account for me because I am approved for a different card with them. I discovered the account when I received a text from them saying that my card had shipped. When receiving that text I immediately looked at XXXX XXXX and my email and found the hard inquiry on my account in addition to that email from them that was sent to my email on XXXX.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CT)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( XXXX ) and Adams v. National Engineering Service Corp. ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXXXXXX XXXX XXXXXXXX Open options Account # XXXX XXXX  Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : CollectionOrChargeOff Account Rating : CollectionOrChargeOff Creditor Type : Finance Account Status : Closed XXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : XXXXankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXX XXXX XXXX XXXX XXXX custom Message Type : XXXX Status : Discharged Reference # : XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Add a custom Message Type : XXXX Status : Discharged Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX options Account # XXXX XXXX Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Finance Account Status : Closed XXXXXXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX XXXX XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed 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 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
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

# # **Re : Dispute of Debt and Request for Validation and Information** Re : Dispute of debt and request for validation and info To : Consumer Financial Protection Bureau Dear CFPB, I am writing to formally dispute a debt of {$110.00} that is being collected by [ Credit Collection Service ] located at XXXX XXXX XXXX XXXX XXXX, MA. I am denying that I owe any debt to this company or the original creditor. 

Furthermore, I believe that [ Credit Collection Service ] has violated several consumer protection laws in their attempts to collect this alleged debt. These violations include : * **12 CFR 1006.34 ( b ) ( 5 ) : ** The debt collector failed to properly inform me of my right to dispute the debt and request validation within the required timeframe. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** The debt collector 's validation notice did not contain all of the information required by law, including the amount of the debt, the name of the original creditor, and the date of the default. 
* **12 CFR 1006.34 ( d ) : ** The debt collector has continued to contact me about the debt after I have disputed it in writing. 
* **15 USC 1681-S2 ( 7 ) ( A ) : ** The debt collector has contacted me through electronic communication methods ( email, text message ) despite my request to cease such communication. 

In addition to disputing the debt, I hereby request the following information from [ Credit Collection Service ] : * **Debt Validation : ** A detailed explanation of the debt, including the original creditor, the amount of the debt, and the date of default. 
* **Purchase Agreement : ** A copy of the agreement between [ Credit Collection Service XXXX and the original creditor that demonstrates their legal right to collect the debt. 
* **Licensing and Bonding Proof : ** Documentation proving that [ Credit Collection Service XXXX is licensed and bonded to collect debts in my state. 

I am revoking all rights of [ Debt Collector Name ] to communicate with me through email, text messages, or calls. All future communication must be done in writing through the United States Postal Service. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely,
Consumer complaint received 2017-12-26
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: LEXISNEXIS (IL)

I have disputed public record items with LexisNexis. Their response was incomplete. I requested the method of verification and the procedure used to determine the accuracy of the items. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TN)

I paid my credit card on time, but found a late fee on my credit card statement. I called the credit card company to ask about the late fee and I was told since my payment came from the bank on Friday, it did n't clear in time over the weekend. The customer service rep was adamant that the late fee was not refundable and this was a blanket policy that did not just apply to me, but that was across the board for anyone in my situation. I am not sure I believe her, because I have seen instances on the internet where people have had their late fees refunded. The specifics : Citibank ( ATT Universal Card ). Payment made with electronic banking through XXXX Bank. The payment was scheduled to be made on XXXX/XXXX/16, electronically with a 2 day turnaround. The due date was XXXX/XXXX/16. The reference number from XXXX for the transaction was XXXX. The Citibank statement shows the payment being received on XXXX/XXXX/16. I am asking for my late fee to be refunded or a better explanation from Citi for why it can not be. I am also concerned that this electronic payment in fact gets hung up and can not be made anywhere close to immediately. XXXX says it was to be done in 2 days. Even taking account of the weekend, the payment should have been received by Monday XXXX/XXXX/16, which would have been timely. I have some skepticism toward Citi as to whether their system is weighted to drag out payments such as mine so that they can maximize the amount of late fees they receive.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request : XXXX XX/XX/XXXX XXXXXXXX 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
Consumer complaint received 2022-10-04
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: CITIBANK, N.A. (IL)

I applied for a promotional offer of XXXX AAdvantage  points after {$4000.00} in credit card spend. Citi is denying my bonus miles, saying that I have earned a similar promotion in the past 24 months making me ineligible. However, the last time I received a CitiBusiness AA bonus was in XXXX of 2019. I confirmed this with XXXX XXXX today.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

I had a balance owe on my AMEX in XXXX XXXX. I paid the {$220.00} due through the phone. XXXX XXXX the statement came back saying I owed this amount plus late fees and interest. I told AMEX that I paid off the amount and sent them a copy of my bank statement with the withdrawal. AMEX stated this was not good enough. I called XXXX, my banker, and three way the call in so myself AMEX and XXXX rep was on the phone and this was not good enough to clear up the matter. When asked what would help to clear the matter the only thing AMEX keeps saying is to send the statement and have XXXX contact us. XXXX even sent a letter of confirming the issue. My credit is ruined and I can not find a place to live and I can not clear up this matter on my own. I contacted a lawyer and he stated I should contact the credit bureau first. PLEASE HELP!
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I On XXXX I signed a contract with Bank of America. Nowhere in the contract did it state that I had the ability to opt XXXX of Bank of America from disclosing my personal information to third party companies. 
I On XX/XX/2024 I wrote a letter to Bank of America and the credit reporting agencies making them aware that I was exercising my rights as a federally protected consumer and that I was rescinding my permission to share my private non-public personal information with any third-party company including the credit reporting agencies. 
I sent another letter through the CFPB titled " Non-Negotiable notice of permission to share private information '' dated XX/XX/2024. in the letter I let them know that I formally rescission all previously granted permissions for Bank of America and their agents to share or report my private information to any third parties including to credit reporting agenciesThis decision is effective immediately upon your receipt of this NOTICE which they received the notice on XX/XX/2024. 
Bank of America then responded on XX/XX/2024 that based on their review all of the account details are accurate and that they will not be adjusting their reporting like I had requested that they considered my dispute resolved. 

XXXX. LEGAL CLAIMS Violation of the Gramm-Leach-Bliley Act : Title V : Privacy 15 U.S.C. 6802 - Obligations with Respect to Disclosures of Personal Information. 15 U.S.C. 6802. Obligations with respect to disclosures of personal information ( b ) XXXX XXXX XXXX such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, that such information may be disclosed to such third party. 
XXXX the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and XXXX the consumer is given an explanation of how the consumer can exercise a non-affiliation disclosure opt-out right provided by the financial institution under this paragraph. 
This legislative text establishes a foundational privacy protection framework, giving consumers control over the sharing of their personal information by financial institutions with third parties not affiliated with the institution. My Privacy of my personal information was violated when I wrote a letter exercising my right to opt-out of the sharing and reporting of my private personal information to any third-party companies and the response I got did not even acknowledge the contents of my letter.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY (TX)

My car, a XXXX XXXXXXXX, was repossessed on XXXX. I was able to pay off the loan in full, {$17000.00} on XXXX. It took Wells Fargo Bank from XXXX, until XXXX to clear the funds ( money was wired from XXXXXXXX XXXX ). Today XXXX, I called the title department to see when I could get the title. I am told the money has not been received!!!?? The title department transferred me to the XXXX department and they said they had not received the money?? This is after WF has already authorized me to pick up the car on XXXX. Wells Fargo has to be the most unorganized and incompetent bank in America. ( side note, we offered to pay payments to catch up and they refused them. So I paid the balance in full ). I spoke to a man named XXXX, in the Reinstatement Department. He was rude and stated it would take 4 to 6 weeks for me to receive my title. This was after he told me the bank had NOT received my wire. I had to tell XXXX that obviously WF had the money, because I had picked up my car. He did not believe me. Then he tells me how a wire transfer is the worst way to pay a debt. Can you please contact WF Bank and have them send me my title asap. thank you.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (PA)

AMERICAN EXPRESS Account type - Charge Account Date opened - XXXX XXXXXXXX XXXX Address AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Above Account created under AMERICAN EXPRESS without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (CA)

I applied for a payday loan ( so I thought ) expecting a small interest on an {$800.00} loan and thought I was paying {$140.00} a month until payoff but have realized I am paying {$140.00} per week for 1 year on a {$800.00}. {$570.00} per month for over a year to pay {$800.00} back This was a scam and now I am going in debt because of the withdrawal weekly coming out my account.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE Account type - Credit card Date opened - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Above Account created under CAPITAL ONE, I was never late for payment of the account as I have setup an autopay system for my account. This is a billing error. 
According to 15 U.S. Code 1666b this is a billing error always paid as agreed on time this is an error this account in violation.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC (MD)

Debt from XXXX. {$2400.00}. Paid through garnishment from XX/XX/XXXX until XX/XX/XXXX. Paid in full. Unable to reach anyone from glasses and glasser. Ive tried to call and use every option to talk to someone and sent multiple messages to them. No answer or reply. They are trying to garnish my wages again.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Allied Collection Services, Inc. (Nevada) (GA)

I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX. I do not have a contract with ALLIED COLLECTION SERVICES, they did not provide me with original contract as requested. I have disputed this collection with XXXX on XX/XX/XXXX. XXXX reached a decision to have it deleted off of my credit on XX/XX/XXXX. It was mysteriously put back on my XXXX report after this date sometime within XXXX and now in XXXX. I spoke with the Fraud Department of XXXX on XX/XX/XXXX and was encouraged to file a Fraud Report as I do not recognize this debt and I have no ownership of this debt. I am also filing a Fraud report with the XXXX in regards to this debt and contacting XXXX and XXXX in regards to this fraudulent debt.