davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2022 I spoke to a Collection specialist about my account. I made them aware that as a result of covid I lost my business and had no income. The only way they could help me was by setting up a payment plan with a minimum of XXXX per month. This would protect me from late fees, interest charges and a negative credit score impact. This company has not followed thru. They continue to falsely report my account with no payment since XXXX. This is hurting my credit score more than having a collection on file. XXXX refuses to help me clear this up and is taking my payments without acting on what was promised. I have contacted apple 13 times with no success. This company is taking my money but still claiming I have not made a payment.They took my money today and still ; threatened me an hour later
Consumer complaint received 2022-11-01
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 (TX)

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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: SYNCHRONY FINANCIAL (IL)

In accordance with the fair credit reporting act XXXX account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 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 2022-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC (TX)

Javitch Block LLC continues their disregard for the law. They havent produced any of the XXXX documents being requested to validate that the case is lawful. 

I urge the federal government start a full-scale audit/investigation on Javitch Block LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in anyway to get any illegal judgment.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (VA)

On XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX. They ran a credit check & today I found out there were XXXX hard inquiries made on same day. XXXXXXXX XXXX XXXX XXXX who issued loan. 
Called & spoke with the new XXXX XXXX, XXXX XXXX who said he'd look into this but that a hard inquiry only negatively affects people when you don't make the purchase. I want the 2nd inquiry to be removed & Equifax w

ill not until Dealership removes it. I did not give permission for my credit score to be run twice.
Consumer complaint received 2022-11-01
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. (MO)

This is a follow up of the previous CFPB complaint I submitted to the Credit bureaus requesting the removal of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. I also sent another Dispute letter last XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File, My dispute letters has complete attachments of my personal information as well as the IDTHEFTREPORT I received from the FTC. I have been disputing for the removal of the fraudulent items and yet the Credit Bureaus have done nothing. Once again, I need the following accounts and information removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX CT XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DC)

Starting on XX/XX/2022 the former property management company ( XXXX ) I rented from illegally raised my rent during my lease, and without due notice. The sent me email confirmation that my rent would be raised on XX/XX/2022, but raised my rent before then. I vacated the apartment on XX/XX/2022 after submitting appropriate notice the month prior ( which was confirmed by the property management company ). The company attempted to bill me for additional rent that I did not owe and I did not pay. The company charged my account for rent and additional fees on XX/XX/2022, the day I was vacating. 

They then sold it to a debt collection company. 

I sent a letter by mail disputing the debt and asking for validation. The debt collection company ( Columbia debt recovery LLC DBA Genesis ) sent an expired lease ( expired XX/XX/2022 ) and an invoice that just has " rent owed '' for the debt validation. They did not send anything regarding the time I rented from XXXX. I still have all of the invoices and receipts from my actual rent payments, the emails stating my rent would not increase until XX/XX/2022, as well as the additional rent charges they added to my account with them and my payments from their online portal.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (KS)

XXXX made an unauthorized charge using my cancelled US Bank debit card for the amount of {$300.00}. The XXXX claimed that the charge was towards room booking at XXXX XXXX XXXX, in XXXX XXXX from XX/XX/XXXX th to XX/XX/2022. I ascertained that I never made the booking. Besides. I have a checking account at US bank for which the cancelled debt card was attached. I complained XXXX times about this unauthorized charge with both US Bank as well as XXXX. When I disputed this unauthorized charge with XXXX, they insisted that there was no record of any reservations made on those days. In addition, they denied that they have no record of the collected charge of {$300.00}. 

However, US bank debited the amount from my account of $ which has to be reversed.
Consumer complaint received 2022-11-01
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 (PA)

XX/XX/2022 amount {$670.00} Iam really disappointed about capital one credit card.i file for dispute for my one transanction 6 months ago. whatever documents they ask me i provide them but they said its not enough so i upload more documents. They respond me with letter change the date of the letter and give me same answer provide more documents. so after 3 weeks i start calling customer service whatever they ask me to provide i provide all documents i used to stay with them line for 1 hour talking to them and upload all documents they asked me to send. after 4 months they send me letter they cant do anything about my dispute because i didnt submit this within a month which i inform them within a month after transaction. so i called customer service to closed my account she told me i will received my statement bill by mail i was waiting for that. after 1 month i see their online account they charge me interest and late fee. i called them up and pay my full bill. supervisor pickup call their she said if i paid full iam not going to responsible for any charge. next month i see they charge me again interest fee then i call them they said its their policy thats why they charge me interest fee even though i paid on time before due date full amount and my account closed is well. they are scam people and disrespectful. every customer service represtatives every time give different kind of answer for same problem. Even though supervisor is really rude they even dont know what they doing. Every supervisor give different kind of answer as well. When I told them listen to the recording call what other customers representative Ive or supervisor tell me. They said they dont care. big scammer they just want to get the money
Consumer complaint received 2022-11-01
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: Stellantis Financial Services US Corp. (TX)

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Stellantis Financial XX/XX/2022 Inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2XXXX 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 XX/XX/2022
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was subject to a XXXX XXXX scam and was scammed to transfer XXXXXXXX XXXX  to a fraudulent XXXX XXXX to trade currency on the XXXX XXXX. I transferred the money into an account of the " XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( account number XXXX, XXXX XXXX XXXXXXXX ). The companies account was at CHASE bank XXXXXXXX XXXX  I transferred the money by wire transfer from my bank ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX area of XXXX XXXX XXXX ). the payments were made on in smaller installments. 
XXXX $ on XX/XX/2021. 
XXXX $ on XX/XX/2021 XXXX $ on XX/XX/2021 XXXX $ on XX/XX/2021 XXXX $ on XX/XX/2021. 
I realized it was a scam and could not access my funds I reported it to XXXX XXXX XXXX  and Chase bank but neither bank has been helpful in recovering my funds. Note I am a CHASE customer I have a separate Chase bank account XXXX this was not involved with the fraud )
Consumer complaint received 2022-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (TN)

This company has been contacted previously stating its to late to refile insurance, my claim is that the changes are not legitimate. The service provided is not reflected in the invoice. I have over billed and XXXX has paid out all debt owed and deductibles have been met. I did not authorize these charges and written proof with my signature has not been provided as requested. Pleased remove at once.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

I placed an alert on my credit reports last XXXX. Currently when contacting Experian they will not transfer me to live person to resolve matter. The automated system says there is no alert but. My report is not pulling for lenders to view when they try for it. Was able to get in contact with XXXX and XXXX and they stated they were able to remove it. Recently I had an account closed from XXXX XXXX due to Experian reporting the account as fraudulent. I have sent a letter to Experian, Multiple emails, numerous phone calls that are never answered. This inconvenience has caused me financial and mental distress. I need help resolving this matter with Experian. They are incapable as a company to handle their own mistakes.
Consumer complaint received 2022-10-31
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The loan on a XXXX XXXX was paid off to Capital One on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with XXXX, XXXX, and XXXX to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (TX)

I filed complain XXXX, back in XX/XX/XXXX. I have tried to get the remaining XXXX XXXX refunded and the company is playing games. They answer and transfer me to other departments without resolving my issue. 
I asked that they do an XXXX XXXX because I am 100 % XXXX Veteran, since XXXX. My tax responsibility is zero. The company is still withholding my property tax XXXX balance and my bill is not reflecting the correct amount- still being charged property Taxes. 

I just need an intelligent human being on their end to do their job. I called almost three weeks ago to have this resolved. I have been on the phone ( XXXX ) for over 20 minutes and they keep transferring to other departments. 

Regards, XXXX XXXX
Consumer complaint received 2022-10-31
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. (NY)

ive sent letters to dispute this fraudulent id theft account : XXXX XXXX XXXX XXXX. ive been sent letters about this id theft account on XXXX, XXXX, XXXX and ive even disputed this account over the phone multiple times and they still havent deleted this XXXX XXXX XXXX XXXX account. 

Experian, XXXX and XXXX are reporting fraudulent information on my report identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.- its been more than 4 months and they havent removed it, i also made a FTC report for this account and sent it to Experian, XXXX and XXXX and still nothing According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. - ive asked them to verify XXXX XXXX and send me a signed contract and they have never sent it its been more than 90 says Under the FCRA, unverifiable accounts must be removed. I also contacted XXXX  and the agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. 

According to the Fair Credit Reporting Act, Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I never gave permissible purpose for you to report this account on my report. XXXX account can not be accurate since its an identity theft account and it also is not accurate therefore it must be deleted, also its reporting as 120 days late on XXXX, XXXX and 120 days late again on XXXX XXXX that is impossible to be 120 days late 2 times in a row. another inaccuracy it must be deleted for These are multiple rights that Experian, XXXXXXXX XXXX XXXX are violating and reasons why this XXXX must be deleted. 

Also there is unauthorized inquires reporting on my credit that i never gave permissible purpose for 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  I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL (AZ)

Around XX/XX/2022 my boss received several phone calls from XXXX XXXX XXXX on his personal cell phone. He told me they were asking to speak to me and then proceeded to give him a reference number to the collection account as well as the exact outstanding balance.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Last week I have received letter from Bank of America dated XX/XX/2023 stating that they moved {$130.00} from my deposit account and applied it to the outstanding balance on my business card ending in XXXX. That alerted me to investigate why the was an outstanding balance on my account if I had plenty of money to cover my expenses from my checking account that I understood it will happened automatically. This Tuesday XX/XX/2023 i went to XXXX office to discuss this issue and get some personal service. Well even though the staff was very nice and accommodating, they could not help me beyond connecting me with credit card department on the phone, because my account got closed supposedly for not payment, that I found out at the bank, so thy in turn connected me with the collection department in the effort to collect some {$230.00} that was outstanding according to them even though they transferred on XX/XX/XXXX outstanding balance and no transactions where made since that time. That was news to me for I did not receive any previous communication from them and that should not be a problem because i hold personal credit card, personal checking account and saving certificates with XXXX and I am receiving regular communications from them for this accounts and they are in good standing. my personal account is being automatically being paid from my checking account. Now back to my Business Credit card. 
Effectively on XX/XX/2023 I was charge {$29.00} in fees and {$3.00} in finance charge, XX/XX/2023 {$29.00} in fees and {$4.00} in finance charge, XX/XX/2023 {$29.00} in fees and {$4.00} in finance charge, XX/XX/2023 {$3.00} in finance charges and according to the statement {$130.00} was moved from my privet account to offset payment, and today I was charged {$230.00} to pay off the closed account. When I was doing this requested payment on the recorded conversation with the agent I did say that I am doing it involuntarily. The agent name was XXXX and she introduced her self as a Senior manager and she did say that i can not escalate my case to a higher level and I said that I will file a complain. I was also given a phone number : XXXX in case I have any questions. 
I was denied a due process to correct initially the problem with automatic payment from my account. My reputation got tarnished with the late fees and the closure of my account,
Consumer complaint received 2024-02-01
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-01
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: M&T BANK CORPORATION (FL)

XXXX provided a copy of my credit report to multiple companies without my authorization : -XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -M & T Bank  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As XXXXch , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.