davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (IL)

In the last few months I have been checking my consumer reports with XXXX, Equifax and XXXX. In XXXX of XXXX, I have reviewed my latest consumer report. I am aware that there are unauthorized hard inquires that was placed on my file without my consent. According to many acts such as the GLBA ( Gramm-Leach-Bliley Act ) your agents/representatives are not safeguarding my sensitive data. 
I have spoken to the agents of all bureaus to have these inquires removed from my files within 15 days. An FTC report is included with this complaint. I expect for the following inquiries removed from all 3 credit reporting agencies IMMEDIATELY. I am opting out as of today XX/XX/XXXX for the reporting of the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTARTMENT OF EDU XX/XX/XXXX XXXX
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I bought furniture from XXXX XXXX, XXXX XXXX. They also pitched 0 % loan from synchrony bank. I signed up and also set up Autopay on the banks website to pay the minimum payment. 

Today, I noticed interest charges, so I called the bank. They said the 0 % was only for 6 months. 

I feel defrauded because : 1. I don't remember being told of 0 % interest being only for 6 months. Plus,  since I was shopping in a furniture store, I did not expect to be charged 29 % interest for loan on furniture purchase. 
2. I set up the Autopay and it did not pull out enough money. Min pay was not the same as the min pay needed to meet the 0 %. 

They tricked me into taking loan with 0 % ( I did not need the loan ; took it only for the 0 % ), then they tricked me by encouraging me to Autopay ( I stopped paying attention to statements ) and in autopay, they did not deduct the right amount in min pay to meet the 0 % threshold. 

I believe this offer is designed to mislead.
Consumer complaint received 2020-04-30
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 (GA)

On XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), XXXX ( {$720.00} ), Capital one ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. 

On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. 

Please visit XXXX for all paperwork and full documentation regarding this matter. 

On XX/XX/XXXX I sent a letter to Capital One in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from Capital One stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her Capital One card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. 

On XX/XX/XXXX I sent a letter to XXXX in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from XXXX stating that my dispute was against my favor and considered this charge to be valid. 

Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of Capital One and XXXX. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. 

As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. 

Thank you for your urgent help with matter
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (IL)

I filed CFPB Complaints # XXXX, XXXX, and XXXX last on XX/XX/XXXX but it seems that my complaint was closed upon checking it. I would like to resubmit a complaint to you today to remove unverifiable accounts, inaccurate personal information, and inquiry : XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$55.00} ; XXXX ; that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CO)

Chase continues to send me preapproved offers for credit cards in spite of the fact that I have called multiple times to be expressly put on their do not mail list. Ive had my identity stolen in the past and do not appreciate this being a potential avenue for that.
Consumer complaint received 2023-01-04
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. (TX)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

My full name is still inaccurate on my credit report on Experian and I have tried several times to get it corrected. I have tried to get my name corrected by phone and mail with Experian. I tried multiple times in the year 2022 and my name is still inaccurate on my credit report. I only have one name. My correct name is XXXX XXXX XXXX XXXX. Everything else is inaccurate and incorrect. Having my name incorrect is causing me harm and problems. I have been receiving phone calls and mail for others with a similar name to these inaccuracies. 

The following below are the inaccurate names : XXXX XXXX XXXX Name ID # XXXX ) -XXXX  XXXX  XXXX XXXX XXXX ID # XXXX ) XXXX XXXX XXXXXXXX ( XXXX ID XXXX XXXX ) Requesting Experian to correct my name and remove all other inaccurate names immediately.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I attended XXXXXXXX XXXX as my third XXXX XXXX and Graduated in XXXX of XXXX. That school holds two graduating ceremonies in XXXX for both classes that graduate with The XXXX program. The one in XXXX and the one in XXXX of every year. 

However, the school, having currently already been placed on academic probation by the ruling XXXX XXXX XXXX XXXX, removed XXXX XXXX XXXX XXXXXXXX XXXX one week prior to the Graduation Classes for failure to comply with the areas of concern that gave the school one year to complete. They failed to do so and were sent a letter to the President of the College who withheld the information from the students of the school. That in fact made our Diplomas null and worthless without the accrediting body certifying them. and prevented any of us from taking subsequent XXXX XXXX XXXX which consists of four parts plus the state board they each have, He withheld this until XXXX at which time he resigned and it took the school almost 18 months to get back to probation status and since that time the school has racked up almost half a XXXX in been placed on probation four more times. They also helped me to increase my student loan debts to over {$520000.00} and no way to repay it and also unable to pass all the boards from their fraudulent teaching methods that brought on the probations and finally suspension from the program. 

I did not even find out about this until years later and now twenty years have passed, I am XXXX, and after learning of what options are available I filed a " BORROWERS DEFENSE '' MOTION with the Department of Education in XXXX of XXXX specifically targeting XXXXXXXX XXXX and provided documentation of all the accusations with them and still awaiting a decision. I might also add that Navient who went out of business and had to pay a massive fine two years ago because of fraudulent trade and lending practices was involved in my loan servicing and should have never allowed me to get in debt to that amount of money and thus acted dishonestly.
Consumer complaint received 2022-07-14
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. (IL)

I discovered that you closed my complaints # XXXX, XXXX, and XXXX last XX/XX/22 when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$930.00} ; XXXX XXXX XXXX : {$28000.00}
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Premier Auto Credit (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

We have maintained XXXX many years a checking account at Capital One bank. We moved overseas to XXXX 30 years ago and continued to receive periodic statements and set up online access. We do not have a cellphone with an American carrier, and since the XXXX step ID was introduced we can no longer access our account. Despite multiple phone conversations with Capital One, the bank refuses to provide an alternative method of ID ( such as email ), and even refuses to mail statements overseas for " security '' reasons. There are currently XXXX XXXX Americal citizens living in foreign countries, and denial of this basic ability to manage our account seems discriminatory, and even absurd in the current global economy. All the other financial institutions we deal with have offered ID access by sending codes to our XXXX based phone. 
Appreciate your help
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (GA)

This letter is in response to your response to CFPB with closed complaints with Authorization needed, I have attached my State ID and Utility Bill to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2020-06-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC (DE)

This is my second complaint against Advance Financial and their deceitful collection practices. I was an account holder with Advance Financial. My account was fraudulent hacked into on XX/XX/2018. Several transactions were initiated through my stored debit card information and in total, XXXX fraudulent attempts were made to access funds. I reported the fraudulent transactions to my bank and Advance Financial both through repeated phone calls and emails. Some of the funds were recovered, though not all. I was told, by XXXX, that he did not believe the account was hacked fraudulently. In my previous complaint, Advance Financial responded by saying they did not have reason to believe there was fraudulent activity on my account and at the time I had an EFT authorization on file. THAT IS A LIE. I unilaterally and unequivocally revoked all ACH and EFT authorization on my account on XX/XX/2018!!!! I have screenshots of emails revoking my EFT/ACH authorization AND I have emails documenting the fraudulent access and use of my account. In fact, my emails were pleading emails to Advance Financial to please help. Subsequently, Advance Financial has escalated my account to a collection agency but Advance Financial FAILED TO NOTIFY me that my account was being sent to collections and therefore did not provide me the opportunity to verify the debt ( which I would obviously not do ). The amount sent to collections does NOT match the principal amount supposedly due to Advance Financial ( amount sent to collections is {$3200.00} but principal balance listed with Advance Financial is {$1200.00} ). I have tried to communicate the issues to Advance Financial. In the previous complaint they stated they are willing to work with me, HOWEVER, the response to my complaint was that my account has been turned over the the collection agency - which was in response to me blatantly stating the debt IS NOT VALID AND is a result of FRAUD! The fraudulent activity has been reported to the FBI via the Internet Crimes Complaint Center. Advance Financial is blatantly being deceitful and making falacious statements. I had NO ACH authorization on file at the time of the crimes, They did not respond accordingly when I reported the crime, They are misrepresenting an amount due, they did not notify me prior to sending my account to collections and have not admitted to fraudulent use of my account and they have not responded approrpriately to my complaint that the debt is not valid.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

My current bank, BBVA was bought by PNC. 
The transition took place on XX/XX/XXXX. 
I have 5 accounts, 2 personal and 3 business accounts. It took 2 visits to the branch and a total of 6 hours for them to give me access to my 2 personal accounts. 
I still can not access my 3 business accounts, which I use on a daily basis to operate my businesses. 
I have spent HOURS on the phone and 6 hours in person at my local branch attempting to access my account information- and now here I am, 7 days later still unable to gain access to my 3 business accounts. 
I am not the only one in this predicament as every former BBVA branch in XXXX is overrun with irate customers in the same situation I am.
Consumer complaint received 2023-01-04
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 is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> I deposited my own check into my Wells Fargo personal checking account drawn on XXXX for funds in the custody of XXXX. The amount was {$50000.00}. I had done exactly the same thing in the same amount on XX/XX/year> and funds were good the same day. 
On XX/XX/year>, the paying bank XXXX released the money to Wells. As of today, XX/XX/year>, the {$50000.00} is not available to me but Wells admits having the funds. BUT>>>they will not release the money without authorization from initially XXXX and then they said XXXX. Both XXXX and XXXX responded by saying there is no need to " authorize '' money they no longer control. I doubt seriously Wells tried to contact anyone until I complained. Multiply my experience by XXXX and you get some serious float. 
Meanwhile I have checks for tax payments bouncing. 
Given Wells Fargo 's less than stellar track record over the last several years regarding retirement accounts, I worry that my problem may not be just incompetence.