davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (WA)

So was working at work and as usual I checked my credit score to see whaty score is and I notice to add-ons to my account so I look further into it and it says something regarding to the department of education and then I looked online and it is something in regarding to a third party with XXXX personal loans for school and it was {$2000.00} and the other ones XXXX and so I I went directly and talked to the company itself and they're like yeah it looks like you applied and I keep telling him now fraudulent and so from there me and the company can I gathering some information and two for two or three weeks I kept getting them information paperwork proof of me the signature high school diploma my home address and all that stuff just to confirm it was me but they concluded that it was at the end that it was me who applied and I don't remember applying because at this more time I did not really feeling going back to school so I kept going going and just obviously you keep asking for more information to provide and I don't have no more information and it was just getting very frustrated it's already the fifth week with this problem so that's on trying to figure this out but unfortunately I don't have any other thing besides freezing my with one of my credit bureaus which is XXXX I froze my account so my social security number so there won't be no no more future loans and if I do decide to go different job or something like that oh I'm freeze it but till then I'm trying to sort this out and I feel like there's something off about this because this person unfortunately a different information on there besides like a different email probably my social security number was on there my phone number was not there but had XXXX different references which I don't recall their being for that so and that's pretty much where it's at
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (IL)

As a longtime loyal customer of Ally bank on XX/XX/XXXX I received email from them offering to open a new account and deposit new money, and in return to get 1 % cash bonus up to {$500.00}. They also outlined all conditions in order to be eligible for this bonus. XXXX was to keep the money in the account through XX/XX/XXXX, and another was to keep account opened until XX/XX/XXXX. On XX/XX/XXXX, I opened XXXX new accounts : XXXX individual and one join with my wife. The same day I received XXXX emails from Ally bank confirming that both accounts were successfully opened. After that I transferred new money to the new accounts. On XX/XX/XXXX I received XXXX emails from Ally bank confirming successful transfers and deposits. 
On XX/XX/XXXX ( today ) I called to Ally bank to clarify the time of receiving the cash bonus. However, I was told that at the time of accounts opening, I had to receive email with a confirmation of the bonus, which I didn't received. Therefore, I will probably not receive the bonus. I have absolutely clearly met all bank eligibility requirements outlined in the offer. Therefore, I feel that Ally bank misled me and probably other customers, and must pay a bonus of {$500.00} for both of my accounts.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX there where 3 unauthorized charges to my Chase debit card totaling XXXX , i submitted a fraud claim to chase and the fraud claim was denied, they did not even bother to call me or explain to me why, on the letter i electronically received it states i did authorized the claim when i clearly told them i did not. I am still hopeful that Chase can help resolve this.
Consumer complaint received 2020-02-14
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. (CA)

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED AUTO ACCEPTANCE (GA)

My payments was up to date until I went through terrible hardships and lost everything i had all at once, due to fire, due to death in family, and loosing job. 

The agent I first had on my account was XXXX and he was great, he had my account setup to where I wasn't getting behind or going in repo. After he left they forged my account past due and made account go into delinquency Once I had had to come out of pocket {$1400.00} for maintenance car repairs. The same week my payment were due. I asked for a few weeks to get paid and then make payment, they denied me. XXXX XXXX is the name of the agent that yelled and was very rude and disrespectful to me. She did not want me to speak to her supervisor nor was she willing to listen to me as i spoke to her about my situations. She also stated she didn't have to consult wit the other agents about the notes on the account. She refused to accept my payment and she also threatened to repossess my car for no apparent reason. 

On XX/XX/23 I paid {$640.00} through the payment portal on my account to bring the account current and out of repo status. I called in again to make sure they received the payment. Once again, I spoke with XXXX and she immediately got rude when she got on the phone. She mispronounced my name and I asked her politely to say my name correctly and she got smart at the mouth and said she don't have to do all that. I asked to see if my payment through to my account. She stated that I still owe {$8.00} and I told her she didn't explain a processing fee to me when we discussed the amount needed for the account, I told her she only stated the amount owed. I also enlightened her I'm not the person who has been paying on my account so I didn't know anything about a processing fee and she didn't explain any fees when we last talked. She stated " I should know about the fee '', even though I told her I didn't. And then she stated she will not allow me to speak with her supervisor and she will instead have my car picked up for {$8.00}. Once I begin to mention my lawyer will be contacting the company corporate office, she hung up in my face.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (NJ)

I have asking to company to previously to remove this account off my credit profile because I do not have a account with this company and I have previously asking this company to stop harassing me about a account that is not mine. Under the fair credit reporting act I have a right to previous its my right to ask for removal.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (PR)

I am submitting this complaint regarding a fraudulent debt reported by Opportunity Financial ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Opportunity Financial failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights. 
2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA. 
3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Opportunity Financial is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision. 
4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations. 
5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the XXXX XXXX XXXX XXXX  and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Consumer complaint received 2024-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tally Technologies (KY)

The company closed and changed all of their terms. Then sold all of their accounts and debt to an even riskier and poorly reviewed company. The changes are so drastic, it can not be considered fair or legal
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

When I applied for credit using my social security number, this company approved me for XXXX. I have not been late on my account and this company lowered my credit limit to XXXX. I was not provided with an adverse letter or any documentation of this taking place on my account. I feel that I was discriminated against as a consumer. Considering that it my social security was used in opening this account, which created a trust relationship, I am to be granted the limit that was giving to me when my social security account was accessed.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Resurgent/LVNV FUNDING Acct # XXXX Resurgent/ LVNV/FUNDING Acct # XXXX I am unaware of these debts. I did not have the opportunity to dispute. I did not receive proper notification. If you believe I received proper notification please provide certified receipts with my signature on there stating I received it.
Consumer complaint received 2023-01-19
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. (NJ)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - DELETE THE LATE PAYMENT ONLY XXXX XXXX -- -- DELETE THIS ACCOUNT! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Had 2 credit cards from XXXX Experian lowered my score so I called to find out why,,,, the representative said because I used XXXX $ of credit on a credit card that had a balance of XXXX . I ask how can I have no late payments, XXXX $ of unused or available credit and have my score changed from XXXX to XXXX. This was 2 years ago I asked her for a supervisor or complaint department. She put me on hold for hours and would then hang up when I called back she gave me a fake reporting email. Since then either my husband or myself always have a negative score from experian. Now we would like to refinance with the current low interest rates. But experian gave refinanced company a very low score. Said that to many credit inquiries for the month. My husband has not had 1 credit inquiry except for the refinancing. Many time the score at experian. Reports that we owe 2 more then we owe on our credit card and then the low score. 2 years I have been putting up with this because of disagreement with experian representation. Fead up
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selip & Stylianou, LLP (NY)

The original creditor was allegedly XXXX XXXXXXXX XXXX  ( XXXX ) then XXXX  and now Selip & Stylanou. 

This collection has been dismissed, ceased & deceased because the status of limitation has expired as a matter of law. We have contacted XXXX  to dismiss this matter to cease and desist this matter. Now it is been sold again to a new agency called : " Selip & Stylianou , LLP '' and we're asking you to cease & desist because this account is no longer a matter. 

XXXX XXXX Account XXXX
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

I went to court in XXXX with my old property management company, XXXX XXXX. I agreed to move, and the case was Sealed by a Judge so it would not impact me moving or appear on my credit report. I was told to use my funds towards moving and last I checked, I had a {$0.00} balance with them. I had no clue this was in collections or on my credit report until XX/XX/XXXX while applying to move to a new location. I reached out to the debt collection company IQ DATA, they would not help. They actually yelled at me and hung up the call without helping me get information on this account. They claimed they sent me a recent letter with the charges but I have yet to receive it almost 2 months later. I've provided proof to XXXX, IQ DATA and the rental company I'm applying to but no one will explain how to get this removed. The companies involved keep saying they have no control over what they report and I need to take it to someone else to get it resolved. 

I've done my own research and according to CA Law, if a Landlord Tenant issue is sealed by the court it can not be reported on your credit. IQ DATA is also adding a lot of interest fees on this account even though that is also supposed to be illegal. I've reached out to the original creditor XXXX XXXX and they also confirmed there is a {$0.00} balance as of XX/XX/XXXX.
Consumer complaint received 2024-10-13
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: CITIBANK, N.A. (DE)

I am filing this complaint because I am appalled with Citi 's decision that there is insufficient information to support my claim for a partial refund of {$810.00}, which XXXX promised multiple times and ultimately refused to give me. 

On XX/XX/XXXX, I noticed a pricing discrepancy for XXXX XXXX XXXX XXXX on XXXX. Despite the listing showing {$130.00} per tire, the actual price increased to {$340.00} when I attempted to purchase. I contacted XXXX customer service, and after a detailed discussion, they instructed me to purchase the tires at the higher price with a promise of a partial refund. They confirmed the refund of {$810.00} several times in communications, including with their managers, but never processed it despite repeated follow-ups. I provided extensive evidence, including screenshots and confirmation emails. See attached docx file for a detailed timeline and screenshots of emails and chat transcripts with XXXX. 

When XXXX ultimately refused the refund, I initiated a dispute with Citi, confident that the overwhelming documentation supported my claim. I am deeply disappointed that Citi sided with XXXX, claiming insufficient evidence, despite the extensive proof I submitted. I respectfully request that the CFPB review this case and help rectify this unfair situation. Citi case ID = XXXX
Consumer complaint received 2023-01-19
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: NAVY FEDERAL CREDIT UNION (FL)

I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.
Consumer complaint received 2015-12-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on XXXX, as a new complaint, Case # XXXX. My new complaint disputed the {$30.00} and repeated many of my original statements, as TD did not address them in its reply. On XXXX XXXX, TD replied simply that it had paid me {$30.00} in XXXX and therefore I was mistaken. I was extremely surprised by this reply, and my response is a XXXX complaint, as follows. 
When TD said that they paid {$30.00} into my account, it sounded like they did so in response to my new CFPB complaint about the new XXXX problem which was the tipping point that caused me to file with the CFPB. When I filed my original CFPB complaint, I did know that TD made a {$30.00} credit in XXXX. In fact, in my original complaint, I stated that TD gave me a {$25.00} apology amount ; that XXXX sum was part of that {$30.00} -- - TD paid me {$5.00} in retro-interest plus {$25.00} for my trouble -- totalling {$30.00}. However, that {$30.00} was regarding PRIOR complaints that I made directly to TD before ever contacting the CFPB in XXXX about the new XXXX problem, and as such, when TD said in XXXX that they gave me {$30.00}, I thought that they meant a new {$30.00} to address the new XXXX issue which I described in my original CFPB complaint -- I thought that until their XXXX XXXX reply. As I stated in my XXXX dispute of their initial reply, TD, in XXXX, changed its offered accounts with no notice, so that I no longer had the best interest rate. Please refer to that XXXX complaint for full details. Yes, in my complaint about the new XXXX issue, I did describe all of my prior problems, because, when I reached my tipping point after the XXXX problem occurred, I wanted your Bureau to be aware of the pervasive problems with TD which I fear affect many, many people, and not just me. But TD never addressed the new XXXX problem ; and the Retail Operations Manager, XXXX XXXX, who gave me the {$30.00} in XXXX, never responded to my call about this new XXXX problem -- in spite of his XXXX assurances to me that he was so very much concerned w/ fixing any errors. As I stated more fully on XXXX XXXX, in addition to wanting compensation for me due to the XXXX issue, I want TD to have to publicize the information regarding the new account structure so that all customers who had Relationship Savings will know that it no longer offers the best TD rates.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

I requested that AMERICAN EXPRESS Credit Card Company update the balance to XXXX on all my credit bureau reporting agencies after I settled and paid off a XXXXold debt on ( XXXX ) separate credit cards that had already been written off, charged off, and out of PA STATE statute of limitations, despite paying off these. I was also told to send a copy of my bank statement showing the posted transactions. They have been giving me a run around from my numerous requests to update these XXXX credit card balances to {$0.00}. I have disputed this five times with no resolution from XXXX, XXXX, XXXX, and XXXX, and there have been no results. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home