davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$4900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

When I first purchased this car and put my money down I had problem after problem with the engine the engine light never went off the place I got the car from wouldnt fix anything and neither would credit acceptance they wouldnt even take the vehicle back
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (VA)

I reached out to Chase 's customer service to obtain my records from them. One lady said I had the wrong department, she transferred me to another department and he said that was the wrong department and hung up on me. I need my bank statements from my account from when I opened to when it closed.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I am a XXXX XXXX veteran who has been living in XXXX for XXXX years. My V.A. payments and XXXX are direct deposited to my T.D. Bank checking account. From XXXX, I access my money with my T.D. Bank ATM cards. 

In XXXX, I flew back to America and on XX/XX/year> around XXXX, I visited XXXX T.D. Bank branch on XXXX XXXX XXXX renewed my ATM cards and updated my address, told the representetive I will be living in XXXX until mid summer. Visited same branch on XX/XX/year> around XXXX to update my phone number. 

XXXX days ago I opened a T.D. Bank savings account online and transferred {$310.00} from my T.D. Bank checking account to my T.D. Bank savings account. When I tried to login to my account in the morning my checking account was locked. 

I called T.D. Bank customer service and fraud department XXXX times. Making international phone calls isn't cheap in XXXX. 

Than they locked all my accounts. 

I was told my account was frozen because I opened a savings account online.

There was no warning on T.D. Bank Web Site or the online tool that my accounts would be frozen if I open a bank account online.

There was no warning that I had to visit a T.D. Bank branch after I open a bank account online.

I gave them the password on my account, all the transaction details, I have both ATM cards. I even offered a video chat to prove my identification and they still want me to fly back to states and walk into a branch with my I.D . to prove that I am the person that opened the account online.

I have credit card payments which were due yesterday, and I can not access my money.

I just got back from America, and I can not afford an other trip back now. Especially when I am trying to save money to move back to XXXX XXXX.
Consumer complaint received 2024-03-07
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: SYNCHRONY FINANCIAL (TX)

I purchased a video game from XXXX XXXX XXXX via my PayPal credit account. The Department store claims they shipped and my order was delivered. However, that is not accurate and I never received the package. I informed the seller that I had not received the package and the package was not delivered to my home. So either the package was delivered to the wrong address or someone stole it. No one signed for the package so there is no way to know where or when the package was delivered. 

I filed a dispute with Paypal Credit under Case ID- XXXX . PayPal continues to rule in the store 's favor unjustly. Without any documentation to prove or show that the package was successfully delivered. The seller sent me an email offering to refund me my money if I cancel the dispute. I sent Paypal Credit this email documentation proving the seller agreed to a refund. PayPal Credit still refuse to refund me the funds.
Consumer complaint received 2024-03-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service (NV)

XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NV XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws, as outlined below : Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information upon request. Despite repeated attempts, XXXX XXXX XXXX has failed to provide validation information regarding a collection placed on my consumer report. 

Denial of Dispute Rights : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute accounts reported by collection agencies. However, I have not been given the opportunity to dispute the account in question, depriving me of my rights under this regulation. 

Use of False and Deceptive Means : It has come to my attention that XXXX XXXX XXXX has been engaging in false, misleading, and deceptive practices in their attempts to collect on the alleged debt. Such actions are in direct violation of consumer rights and constitute a clear breach of trust. 

Failure to Provide Required Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), collection agencies must provide all disclosures required by law before furnishing any account to consumer reporting agencies. XXXX XXXX XXXX has blatantly disregarded this requirement and furnished the account to consumer reporting agencies without providing the necessary disclosures. 

These actions by XXXX XXXX XXXX not only infringe upon my consumer rights but also undermine the integrity of consumer protection laws. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX Collection to ensure compliance with federal regulations and to protect the rights of consumers. 

Thank you for your attention to this matter. 
Sincerely, XXXX, XXXX
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

XX/XX/2021 Made full XXXX $ + payment and instantly was charged and still owed this continued for the last year every payment was early and over the minimum on the statement it indicates I made the payment but the charges are still applied Now there is a platinum card in my name after I received a copy of this card I placed a XXXX $ payment and put a hold I. Both cards
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.
Consumer complaint received 2024-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XXXX XX/XX/2023 started communicating with XXXX to reserve two tickets one for myself and one for my brother. the final communication was to charge each one of us on our credit card. but first, he charged both of us on my Capital One account which he later charged to my XXXX account and my brother paid on his XXXX account separately. On XX/XX/XXXX he sent me an email with an attachment of the ticket that was charged and did contact Capital One at first thought it was a fraud but later found out it was the agent 's fault for charging two different flights. I did not use the XXXX XXXX  as it shows a show for the flight I have been submitting and communicating with XXXX, Capital One, and the vendor. Capital One said they couldn't credit my account and they did not provide me with any reason. they said is past 60 days. all I need is to credit the charges which I have not used. according to their contract, they will be credited back for faulty charges up to. {$10000.00}.
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: Experian Information Solutions Inc. (GA)

XXXX and Experian continue to report the account XXXX incorrectly. The information reports several different ways. This is impossible for XXXX account. This means this account has not been properly verified as accurate. 


Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Account Status : Open Closed ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-08-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

According to 15 use 1681b section 2, the consumer reporting agencies can only furnish a consumer report under the written permission of the consumer whom it's relating to. My permission was not given. This is aggravated identity theft.
Consumer complaint received 2020-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I co-signed for a car, for my grandson. The interest was very high at 14 %, but once I started making payments I see that, I'm being charged 50 % or more rather than 14 %. My payments are going toward interest. I did talk to customer service regarding my bill ; to know avail. I do not understand there billing method ; practice. I am being severally over charged. Please look into my payment history with this bank. 
Thank you ; I look forward to hearing from you. 
Sincerely, XXXX. XXXX XXXX
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: First American Solutions, LLC (FL)

First American Payment posted XX/XX/XXXX that i owe {$2100.00} due to an early termantion fee from a leased credit card terminal from XXXX. My employer, XXXX   XXXX for XXXX XXXX XXXX ; Launched an investigation XX/XX/XXXX. 

I was hospitalized in XXXX of XXXX. 

Since the beginning of XXXX, i have cotacted them numerous times via phone to work out a payment plan that the XXXX insists I do. They promised to send via email. Has not sent anything to fwd to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XXXX XXXX Contact with first american payment was XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2018-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Michael Wayne Investment (NC)

The Loan Contract Documents in the Auto Loan # XXXX was predatory / fraudalent/ and deceptive in requiring me to pay close to {$400.00} a month on a XXXX yr old car with a GPS tracking device discontinued by the Original Manufacturer ( XXXX ). & on page 5 the contract clearly states that I am not responsible to pay any amounts over the legal finance charges and interest rates
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Jon Barry and Associates, Inc. (NC)

During my 2009 XXXX and XXXX XXXX, the hospital ( XXXX ) asked that I pay $ XXXX/mo. I expressed at the time I was not working and couldn't afford $ XXXX/mo. I worked out a payment plan with the billing staff of $ XXXXmo and started paying immediately. Several weeks after the 6 weeks of XXXX and XXXX I received notification from XXXX XXXX XXXX ( previously a branch of XXXX ) that delinquent bills were forwarded them from XXXX for collections. I spoke with the XXXX billing staff repeatedly on the phone and over 5 times in person. The billing representatives acknowledged they were supposed to have culminated all of the incoming bills into the one assigned to me for payment. But stated the " rules '' didn't allow them to pull the billings back from collections even though it was an obvious mistake given the date of the payment plan commencement preceded the date of the collections. 
This XXXX person 's error decimated my 800+ credit rating down to the 600 's. And I've been struggling to bring it back up since.
Consumer complaint received 2020-05-23
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 (IL)

Dear CFPB, On XX/XX/20, I made a purchase for an airline ticket with my CapitalOne credit card through the travel agency XXXX for USD $ XXXXto fly on XXXX XXXX on XX/XX/XXXX ( flight 752 ).  The flight was cancelled and I reached out to XXXX on multiple occasions to obtain a refund. XXXX did not respond to my numerous occasions so I reached out to my credit card issuer CapitalOne to dispute the charge for a service that was never provided ( the flight was cancelled and I am being ignored for a refund ). Surprisingly ( or not ), XXXX did take the time to respond to CapitalOne 's chargeback and CapitalOne reinstated the charges ( and CapitalOne never reached out to me for any of my evidence ). I am seeking CapitalOne to honor my dispute and not to be charged for a service I never got. ( I have no desire to pay XXXX the money and then go through the process of trying to get it back from them since they have ignored me already for the last 2 and a half months ). I appreciate all your help and have provided additional documentation that shows the flight being cancelled and my efforts to get a refund. 

Best ... XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX continue to report inaccurate information. My name is XXXX XXXX, this is the only name I am known by and the ONLY correct spelling of my name. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These variations should be deleted immediately. 

My address is XXXX XXXX XXXX XXXX, GA XXXX there should be no other address listed on my report it is not mine and it is causing me to be denied credit and receiving my mail in a timely fashion. 

XXXX is reporting these inaccurate addresses. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX I have previously disputed this information and it is still not removed from my consumer report. Neither company has my permission to damage my consumer report. My ID and SSC are attached to this dispute. I have previously sent these same documents with proof of my residency and neither company complied with federal law under the FCRA. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-05-23
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. (MO)

To Who Can Help me, I sent in letters to Trans Union about inquiries I had never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX continue to report inaccurate information. My name is XXXX XXXX, this is the only name I am known by and the ONLY correct spelling of my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These variations should be deleted immediately. 

My address is XXXX XXXX XXXX XXXX, GA XXXX there should be no other address listed on my report it is not mine and it is causing me to be denied credit and receiving my mail in a timely fashion. 

Experian is reporting these inaccurate addresses. 

XXXX XXXXXXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX I have previously disputed this information and it is still not removed from my consumer report. Neither company has my permission to damage my consumer report. My ID and SSC are attached to this dispute. I have previously sent these same documents with proof of my residency and neither company complied with federal law under the FCRA. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I believe the account is invalid. USAA SVG BK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. USAA SVG BK XXXX