davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-13
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

On XX/XX/year> I received an email confirmation that someone successfully opened a checkings account with Chime using my email address and full name. They were also able to add a phone number that was not mine. I immediately called chime to let them know, and was required to provide them with the last XXXX digits of my Social Security number in order for them to locate my account, they confirmed that they have closed my account.

I am appalled that someone can open a bank account using my email without any verification! This is terrible practice and Chime should take more action to reduce fraudulent bank accounts.
Consumer complaint received 2023-10-13
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (IL)

I opened a ally account to use XXXXwhich I now transferred the info to my XXXX XXXX  to use their XXXX the person on the phone was rude as XXXXdemanded to know why this person sent me money, what it was going to use for, and now they want to add her to my account they locked me out of my acct. 
froze the XXXX that was sent to me-it is none of their business what I am using the money for I want it transferred to XXXX, because I dont like their attitudes
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX Capital One arbitrarily reported a balance of {$630.00} to the credit bureaus adversely impacting my credit score. The information reported is incorrect based on the following factors. 
Last and Previous Statement balance was {$0.00}. 
{$630.00} will not show as an amount due anywhere at any time. 
The report was made on XX/XX/XXXX although the statement cycle is the XXXX through the XXXX. 
On XX/XX/XXXX I called Capital One as my disputes with the credit bureaus did not result in the deletion of the incorrectly reported item as Capital One responded to the agencies that this information was correctly reported. I was informed that I needed to send written correspondence to Capital One in order to dispute the incorrectly reported item with them. 

On XX/XX/XXXX Capital One responded electronically ( although customers are not able to correspond with them any way other than writing a MAILING in a letter ) indicating that they will revise the incorrectly reported amount to another arbitrary amount of {$9.00}. How can Capital One not delete the incorrectly reported item, but revise it to another incorrect amount. The {$9.00} amount is likely based off of the XX/XX/XXXX statement that has NOTHING to do with the incorrectly reported amount on XX/XX/XXXX. I called again today XX/XX/XXXX and was told that I would need to write another letter to dispute the dispute results and try to explain in better detail. I chose instead to reach out to the CFPB as I have already done my due diligence and provided documentation to bring this error to Capital Ones as well as all three credit bureaus attention and provided visual aids on why the information was incorrect. 

Capital One is reporting random amounts instead of statement balances that may be a violation of Fair Credit Reporting as per Capital Ones call center rep they should only be reporting what is on the statement. What is to prevent this from happening again? Why do customers have to mail in correspondence, but they can respond electronically?
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (AZ)

I have asked on several occasions for validation of debt from this company. I have checked my report and according to XXXX report this account was opened XX/XX/XXXX but has XXXX on account as opened. Can you please send documentation of me opening an account with this company one XX/XX/year>. I have sent a second letter to XXXX and Spring Oak Capital. This company informed me that i owe them {$540.00} for a company named XXXX XXXX  who is not on my credit report. I have NO idea who this company is. I have asked on several occasion to send a copy of a contract or my signature where this debt is owed by me and NO one could furnish me this information. I have checked the cards i have and none is with this company. I can't not just pay a bill because a company tells me I owe them. Please validate this debt. XXXX has verified this debt 2 times but have yet to send me a validation of this debt. I am now in a position to take legal matter because this debt is affecting my ability to obtain credit or complete my home purchase. The only answers im getting is debt verified without documentation or verification of contract with this company. i have enclosed the letter for both XXXX and Spring Oak Capital. Upon the completion of this investigation, i will have no choice but to report to the AG office and get public publicity to help with this matter at hand. Im currently in the process of formulating a video for social media to reach out to any attorney to help with this matter because its getting ridiculous that they can even send out verification of how the debt is owed by me or any contract signed by me validating. I must take the company 's word that i owe them and just pay them. This is not how things work. I owe a debt, you provide the contract or my signature on paperwork that i owe you and its validated. Anyone can say you owe them but is it accurate? Should you just trust that you owe the debt? Why pay a debt you are not sure of?
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Majority USA, LLC (CO)

Majority payment services needs to be investigated by a regulatory agency. I ask the CFPB to please review the reviews left on XXXX and XXXX XXXX. There are overwhelming reviews mentioning the moment customers add funds, suddenly unauthorized transactions start appearing on their accounts. They have the card physically with them but the card is not being used by them. Disputes are denied and consumers are facing a huge financial loss with this company. I personally experienced this with {$590.00} vanishing from my account and then another {$180.00}. When this happens, they block your device form being able to reach them. Its a busy signal everyone you call but calling from a separate phone gets you through. They block access to the app, and do whatever they can do you dont know whats going on. Please read what others have to say in the reviews
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capitol One Data Breach & Settlement. 

Per the phone representative, an email was " successfully '' sent to my XXXX account on XX/XX/2022. After searching my inbox and recognizing several emailed communications from Capitol One, including information on monthly statements and promotional material. I was not successful in finding an email from Capitol One referencing a data breach or the settlement claim. 

I was told by the phone representative that it may have gone to my spam folder. I checked my spam and did not see anything from Capitol One. I find it extrememly odd that I am successful in receiving promotional emails from Captiol One but not ble to find an email and did not receive any USPS communication regarding this settlement. 

I firmly believe Capitol One did not due their due diligence in notifying customers.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00}.
Consumer complaint received 2023-10-16
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

My student loan processor is Aidvantage. Before XXXX XXXX announced the SAVE plan, i applied for an Income-Driven Replacement Plan ( IDR plan ) in the last week of XX/XX/2023 to prepare for loan repayment. The following week, XXXX XXXX announced the SAVE plan. This new plan would cut my payments in half, which was crucial as I could not afford my IDR payment. I work for the state government and my wages are low. I initially submitted my SAVE application and followed up XXXX weeks later. Aidvantage representative said my application had been lost so we re-submitted an application together. I did not hear anything and assumed things were fine. On XX/XX/2023, I received an email notice that my monthly payment was still the XXXX amount ( my SAVE application had not gone through ). I contacted Aidvantage and worked with another representative who submitted a new SAVE application for me on XX/XX/2023. She informed me that my SAVE application would be approved by XX/XX/2023. It is XX/XX/2023 and my SAVE application has still not been processed. I have followed up with Aidvantage often, usually waiting on hold for at least XXXX minutes before speaking to an agent, and most recently, I waited for XXXX minutes to talk to an agent. She got my information and put me on hold for XXXX minutes and then hung up. I need help and have done everything I can on my end to make this work, the fault is on Aidvantage.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On Thursday XX/XX/2024 I did a mobile deposit for {$4800.00} of our refund check. My spouse and I both endorsed the check. I received an email the same day that the check was accepted. The next day ( Friday XX/XX/2024 ) XXXX XXXX I received an email from Chase that my account is restricted and may soon be closed. My direct deposit from the hospital of {$600.00} was no longer showing in my account. I called Saturday morning and provided the number so they could verify my spouses permission to deposit the check. I was told Monday morning my direct deposit funds would be available. I was also told that they spoke with XXXX at the treasury bank and verified the check. Monday the direct deposit funds are still not available and my account is still restricted. I called again and spoke to a supervisor who told me they cant verify the number to my spouse who just came to the United States from XXXX. Because their computer system shows a different owner for the phone he said they will not call to verify the number despite the voicemail clearly stating its his phone. I asked if he can come to the bank in person. They said no. My spouse also has a chase bank account so if they wanted to verify the number they could use the number he used to open his account there. But again they refused but instead told me they would keep our tax refund. Holding my direct deposit and refund check hostage because they cant find another way to talk to my spouse is unethical.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 1681 a paragraph 2 subsection I. Transactions arent included in credit reporting.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Back on XX/XX/XXXX i sent an application to the lender to keep my property, On XX/XX/XXXX i was approved for a Repayment Plan with a payment with the double amount of my previous monthly payment and i requested to extend the time for my repayment plan to XXXX  months and they denied, i am XXXX XXXX XXXX and my wife XXXX XXXX XXXX, we are retire and we make a big effort to pay our home and subsist, eventhough they did not want to extend the time of the repayment so the monthly payment could be less i accepted the terms and started to work more time no matter my age, XXXX weeks after my wife XXXX with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; we went at the XXXX  and she got XXXX XXXX, i had to stop working as we do not have children nor family i had to take care of her and started living with our savings so i was not able to make the first payment for the Repayment Plan i was approved for, so i submitted a Dispute on XXXX requesting to be reconsiderated for the repayment plan and on XX/XX/XXXX the Rep called XXXX told me i needed to pay in a one time payment {$25000.00} to see if they can considerate to give me the repayment plan again ; i was not able to make that amount of payment, i am XXXX XXXX XXXX, my XXXX  XXXX and we do not have family, i only have to her, i have XXXX jobs to be able to provide a home to my lovely XXXX, so i sent again a Modification Application to see if they can consider me for another option, they approved my Repayment Plan to continue, i had to make my payments on the XXXX of each month, i sent my payment on XXXX and they did not accept my payment cause it was XXXX  days later, i did not know there was not grace period, is under the same month, i requested to be considerated to continue with my repayment plan and they are just giving me the option to sale my home. That is not an option, i am retired and elder person, i do not have family, nor another property, if they sell my home, i will need to be homeless as i do not have money to pay another home, i have XXXX jobs to pay my property, and my wife is sick as a consequence for the XXXX XXXX, please help me to keep my home, i will contact the news or send letters to the XXXX XXXX  to make this lender give me a real solution. There is not way they quit my home as this is where my wife and i live, please help me!!! They do not give me another option besides to send checks, there should be automatic payments or payment over the phone, things can happen, it would be illegal for them to quit my home for sending my payment only 5 days after the day, i will have to request help on the TVs or XXXX XXXX  to keep my property.