davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
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: JPMORGAN CHASE & CO. (NV)

This will be my second time submitting compliance against Chase cards with you guys, thx for solving problem last month on my XXXXXXXX chase account, this time ... it will be the XXXX XXXX XXXX card I choose to terminate with Chase ... still..my inquiry involved remaining benefits I earned and to be kept with me as ALL my airlines credit card..XXXX  of last year I opened this account and earned XXXX XXXX XXXX XXXX XXXX  ... when arriving to XXXX XXXX at XXXX XXXX XX/XX/21 I discovered no amenities were due to Covid ... only XXXX never informed me with those limitations ... when I asked my pass to be reinstated they refused and climbed it was used already ... .not only I didnt use that really in a full way its should be ... I did understand and gave them chance to have me returned when full service will be offered ( all my other airlines did offer full hot food even at Covid time/2 month ago and even asked me if I wanted credit for next visit as food was not to 100 percent as usual/ XXXX card XXXX  and my XXXX from XXXX XXXX this bank as well terminated my second pass that was NEVER used and was good till XXXX of this year after for SURE they made me complete amount of spending with that credit card
Consumer complaint received 2022-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

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 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2022-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

I recently pulled a copy of my credit report and notice and caine & weiner there I have no idea what this debt is about or what it is for this is a company I have never done business with. I wrote them and to date I have not received a response from them. At this point I just need them to be delete from my credit report
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/2023 i had several credit cards through Synchrony bank Lowes, ebay mastercard, paypal credit and mastercard, care credit, my car care and several others. I have one card that has a balance on and i am still paying on. I paid all cards on time and balance off. Never was late or missed a payment. All payments made on time. Back in XX/XX/2023 Synchrony closed every account with them. Reason was they say im a risk yet i pay off the balance after making few months of payments to build payment history and never late or miss any. Bank refuses to open accounts up. My score took a big hit when they closed all accounts. Reading reviews on this bank it seems to be a habit of theres
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Case Number : XXXX My name is XXXX XXXX, I am a Webster Bank customer and someone created a cash app account and used my Webster Bank card to send payments to different people totalling more than {$3000.00} thereby making me to be at lost. 

I have repeatedly told my bank that I was scammed and I need my money back, but my bank issued me credit and refused me to make use of it untill after investigation. 

After few days, I got a letter from my bank that they have taken the funds back. My bank has closed my account because of this. 

I need my money.
Consumer complaint received 2023-08-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Applied Data Finance, LLC (TX)

On XX/XX/2023, an agent representing XXXX XXXX XXXX  released information about my debt to a third party via telephone. The agent contacted the third party, my father, at a phone number not associated to my account. He asked who was calling and what it was in regards to. The agent informed the third party that they represented XXXX XXXX XXXX and were a debt recovery agency. They further advised the third party that they were trying to reach me in regards to several XXXX XXXX that I owed to them in debt. This third party was unaware of my debt, much less that it was several XXXXXXXX XXXX  and explained to XXXX XXXX XXXX that his phone number has no connection to me. He further explained we live at separate addresses, do not share any finances, he confirmed the phone number the agent gave him was my only contact number, and advised the agent that he would pass along a message for me to contact them. 
After the third party advised me of all the information that XXXX XXXX XXXX disclosed to him, I placed a call to the phone number the agent gave him ( XXXX ). A gentleman answered the phone and identified himself as representing XXXX XXXX XXXX. I gave my name and explained that my information had been released to a third party without my permission. I also advised that I would like to discuss my debt as well as address the release of information. The gentleman stuttered, asked me to hold, and then placed me on hold. When he returned to the line, he stated he had to connect me with a supervisor and transferred the call. The line I was transferred to had a generic message. It did not identify a specific person and indicated to leave a voicemail with my name, phone number, and best time to be reached. I left my name, phone number, best time to be reached, as well as a detailed message. I explained that one of their agents released my personal financial information to an unaffiliated third party without my permission. I explained what information was released, stated that they should remove the third partys contact number from their database, explained that I believed the release of information without solicitation or my consent was illegal and asked for someone to please call me back to discuss. I have not received a response from anyone with their company. I have read the governments guidelines on collection agencies responsibilities in regards to protecting consumer data and release of information to third parties. I believe XXXX XXXX XXXX has violated the governments regulations by releasing my information to an unaffiliated third party without my concent. They have also failed to contact me to address this violation.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Have submitted proof to TransUnion on more than one occasion that XXXX was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Consumer complaint received 2023-08-28
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-19
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. (AL)

In Accordance with Fair credit reporting act XXXX  accounts 1. CXXXX XXXX XXXXk- # XXXX XXXX, XXXX, XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX 4.XXXX  XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX 5.XXXX XXXXXXXX, XXXX, XX/XX/XXXX 6.XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX 7.XXXX XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX Has violated my rights. Recently I reviewed my credit reports and found the above inaccurate late payments. Per FCRA 15USC 16811 All unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify these inaccurate late payments. Noncompliance with this request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal to file with FTC, ATTORNEY GENERAL of Alabama along with any further legal action we deem necessary including but not limited to civil and punitive damages.
Consumer complaint received 2023-12-15
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: HYUNDAI CAPITAL AMERICA (CT)

on XX/XX/, the loan was paid off and title was requested. On XX/XX/XXXX a follow up call was place and i was advised the title was on the way and that they would send a lien release as well to satisfy insurance to payout for the totaled car. Neither document was received and no proof of sending was provided. on XX/XX/XXXX another follow up call was place by me and was told the same story and that a supervisor would return the call to fill me in. on XX/XX/XXXX i called again to request a supervisor and none were available. on XX/XX/XXXX i am currently on the phone and filing this complaint hoping to have an action of some sort take place.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Similar to a previous complaint, Capital One continues to allow personal information to go into the hands of intruders. They recently sent a letter to me that claimed someone else tried to open an account in my name for their XXXX service they provide as part of their online XXXX XXXX XXXX, so they closed the account for XXXX. Capital One is in breach of many security measures and unfortunately, their bizarre actions and missteps are a reflection of the XXXX XXXX that took place in 2019 under their watch. I think allowing Capital One to continue operating as a XXXX XXXX is forcing a thin line upon borrowers. Until Capital One can truly invest in being trustworthy, there should be severe restrictions on their business, and perhaps prison time for those within the company who failed to properly equip the company with those necessary lawful preventative means.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (FL)

I've had repeated calls from different numbers by Diversified Consultants trying to reach me the last few weeks. They've been very evasive and/or defensive whenever I ask questions as to who they are. Some have refused to tell me who they work for, some of them tell me they think their first & last name is good enough, even though I don't know their names. I've told them today, XX/XX/XXXX, to send me a letter in the mail if it's really personal. He got really defensive and rude over it, telling me he told me his first and last name. I've looked at my credit history on XXXX XXXX & i'm not seeing anything from this debt collector on there.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Experian is reporting that I have a bad debt with XXXX  XXXX XXXX XXXX. My mother added me as a co-signer on her checking account. She was elderly and needed help in writing her checks. I even called and spoke with a Supervisor that verified for me that I was not responsible for my mothers debts. 

She passed away in XX/XX/2016. I notified them immediately and they drained her checking account to pay on her credit card with them. I was not on her credit card. They told me I needed to pay her balance. I referred back to the earlier conversation that I had with a Supervisor. They even admitted to notes verifying that is what they told me, however they said someone had to pay. I was not on her credit card. I didn't have access to use that account. They can not hold me responsible for my dead mother 's debts.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

I have been refunded by affirm for rims that I received damaged from XXXX XXXX I received an email from them stating that I won the dispute and they would be reimbursing me for the previous 2 payments that I made and also canceling all future payments, but they are still reporting to XXXX that the account is still open
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account shows as a missed payment on all 3 Credit Reporting Companies : TransUnion, XXXX, and XXXX. 

The Company XXXX XXXX has a miss payment date in XXXX of 2022 for all 3 credit reporting companies. 
I disputed online all 3 with the XXXX XXXX payment with incorrect information on each report. The information was corrected, but not the payment error. 

The payment was due on the XXXX of XXXX of 2022. Included are to papers that show that the payment was received days before the due date. It was sent via electronic check to XXXX XXXX 's bank account for full payment closing out the account. 
XXXX XXXX was notified via phone multiple times 2 weeks in advance. XXXX XXXX normally will freeze the account upon payout funds received. 
XXXX XXXX had the payment funds sent into their account from XXXX or XXXX. The funds were seen by the Customer Service and bank, and cleared on the on time. 

Added is a letter from XXXX XXXX showing the Payment was cleared for the Due Date. 
Added is a Receipt showing payment of the electronic check sent to XXXX XXXX days before the due date.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I had an account with XXXX XXXX XXXX that went into collections in the beginning of this year. The debt was originally given to XXXX XXXX XXXX XXXX XXXX XXXX I made a good faith attempt to settle the debt for {$710.00} and established a payment plan with the collections agency of bi-monthly payments of {$100.00} which were drafted from my checking account on XXXX, XX/XX/XXXX and XX/XX/XXXX. They stopped drafting my account in XXXX for the payments and I never heard anything further from them. I received a letter from XXXX XXXX XXXX XXXX in XXXX and they reported the debt to the credit bureaus in XXXX as well. The letter from XXXX indicated that they received the debt from XXXX XXXX XXXX and they offered to " settle '' the debt for {$740.00} which is more money than what The XXXX XXXX XXXX XXXX agreed to settle for. I sent XXXX a written statement on XX/XX/XXXX and provided them a copy of the Agreement with XXXX along with a ledger of payments already remitted and requested that they honor the original settlement agreement. I have not received any written response to my letter as of XX/XX/XXXX. I called XXXX on XX/XX/XXXX to confirm receipt of my letter and verify that they would allow me to resume my payments as agreed with XXXX XXXX XXXX XXXX XXXX XXXX They refused and advised that they did not have to respond to my letter and they did not have to honor the settlement agreement made with XXXX XXXX XXXX XXXX XXXX XXXX I then called XXXX XXXX XXXX to request that they call the debt so that I could resume the settlement agreement and pay the debt in full to them directly. XXXX XXXX XXXX advised that they could not offer any recourse to me since the debt is now with XXXX. I called the XXXX XXXX XXXX XXXX to determine why the debt was no longer being managed by XXXX and why they stopped accepting payments from me. I was advised that they attempted to draft my account for {$100.00} on XX/XX/XXXX and XXXX and the payment was rejected for insufficient funds. I asked if there was a confirmation number from the bank related to the rejected payment and they said there was not. I had sufficient funds in my account during this date range for the payment so the insufficient rejection could not be true. I then asked the associate why I was never notified of the payment being rejected and he advised that they did not need inform me when a payment is rejected and I asked why I received no further notification from The XXXX XXXX XXXX XXXX and he confirmed that statements had been generated but never submitted to me either by email or post mail. At this point I am hesitant to begin making payments to another company if the debt will then be transferred to a different agency and they attempt to charge me more than what is agreed upon. What recourse do I have, as a consumer, to ensure that the amount due can not be changed by another collections agency if it becomes transferred to another agency?
Consumer complaint received 2018-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Navient has private interest rates on my loans set for 13.25 % I have almost {$50000.00} in private loans, its been at this high interest rate since I graduated. They tell me, they don't set the interest rates, there is nothing they can do. This company is a virus, they make it so you can only pay interest and nothing happens to the balance. I have tried everything with them but my credit score is too low to refinance with another company and I can't find a co-signer that works either. I have been out of school for 6 years, I have a good paying job I am an XXXX - what they are doing is criminal.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Credit Bureaus were unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX