davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Today I was one the phone with a Mortgage Broker to get pre-approved for a home loan. My credit score was lower than expected and she said advised that this was due to a Kohls Capital One Credit Card taken out in my name, immediately maxed out, and never paid. This apparently happened in 2017. I have never shopped at Kohls nor I have ever had a store credit card. For the last 5 years this was dinged my credit score each month and i had no idea. How do we resolve this situation and repair my credit card ASAP. This is not fair and something that needs to be fixed. 

Thank you, XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Account # XXXX Re : Dispute of Unauthorized Disclosure of Information Pursuant to 15 U.S.C. 1692 ( c ) To Whom It May Concern, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate. Please delete from all credit agencies.
Consumer complaint received 2023-10-17
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-10-02
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: CCS Financial Services, Inc. (GA)

Date : XX/XX/20, Amount XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt.
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NY)

Chase block my XXXX  and flag me as fraud over {$75.00} dollars. XXXX is design to receive and send money. I used XXXX as follow but chase bank flag me as fraud and stop me from using XXXX  with other banks.
Consumer complaint received 2022-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc. (NC)

I contacted the company on XX/XX/XXXX and they could not give me any information about my debt. All the representative did was run my credit report without notifying me that there was a monthly charge and only wanted to charge me to dispute them. He could not and wouldn't give me information about the loans through them.
Consumer complaint received 2022-10-02
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: ACIMA CREDIT, LLC (SC)

XXXX XXXX and Acima Digital is in violation of the law after being put on notice on numerous occasions, last being XX/XX/XXXX. Informing them they were reporting inaccurate and incorrect information. 
15 U.S.C. 1681i ( 2 ) Prompt notice of dispute to furnisher of information : ( A ) In general : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Furthermore, as defined by the IRS cancelled debt must be reported as grossed income, even if I did not receive form 1099c. Income does not get reported on credit reports. 
15 U.S.C. 1681 Congressional findings and statement of purpose : ( A ) accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b Permissable purpose of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc. (IN)

NCB Management Services obtained an out of statute debt originated in XXXX and written off in XXXX, more than seven and a half years have passed which precludes the creditor and any collection agencies from reporting it to my credit bureau.

Under the FCRA 15 U.S.C. 1681c -- - an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. More than 7.5 years have passed. 

That being said, NCB KNOWINGLY and FALSELY reported the " open date ' of the account as XX/XX/XXXX. 

This is an outright lie. 
An intentional lie. 
A willful lie. 
An outrageously ILLEGAL lie. 

I disputed the fraudulent lie through XXXX and XXXX. 

XXXX removed the false fraudulent report. 
XXXX was allegedly provided with false documentation and kept the fraudulent report on my credit. 

This original debt was obtained in XXXX and the car was returned shortly thereafter due to dealer fraud ( and disputed due to dealer fraud which is a separate case in itself ) The first date of delinquency was XXXX. NCB has no documentation showing otherwise unless it is creating false documents to violate the FCRA. 

This also violates FCRA 623 ( b ) ( 1 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) in which NCB had a legal and federal obligation to investigate and remove the illegally reported item and instead, it produced fraudulent documentation, according to XXXX. 

Let it be clear, there is no document dated in XXXX that has anything to do with this debt. This debt originated and ended in XXXX with the return of a vehicle in XXXX and a complaint to the state about this dealer ( XXXX ) for fraudulent financial dealings. 

Any documentation later than XXXX is fake and I will commence legal action against this company if the CFPB does not take action as this is outrageous and illegal. 

If this company is doing this to me, it is doing this to others and I urge it to audit and investigate these illegal actions. The FCRA provides for maximum penalties of {$4300.00} **per violation** in the case of lawsuits brought by the FTC. 

XXXX also failed to properly investigate as required of any Credit Reporting Agency under FCRA 611 ( a ) ( 1 ) ( B ) -- the CRA must review and consider all relevant information submitted by the consumer. 

XXXX was made aware this debt was out of statute and it ignored additional dispute information. It failed to investigate the claim. XXXX XXXX, on the other hand, rejected the false documentation and removed the report from my credit as it properly fulfilled its legal dispute obligations during investigation. 

As such, both NCB and XXXX have caused significant damage to my credit by willfully violating federal consumer credit reporting laws. 

Both should be investigated. 

This out of statute and false report needs to be immediately removed from my credit.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CT)

On or about XX/XX/XXXX I met with a Chase bank officer, XXXX XXXX, in their branch at XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX to open a new checking account. The account was to be joint in both my name and my wife with me signing on her behalf as attorney-in-fact. I brought along the POA which XXXX XXXX scanned into their system and said had to be reviewed by their appropriate department before proceeding, therefore I must return to complete the account opening. After maybe 2 weeks of not hearing from XXXX XXXX I called her office and she said they would not allow me to open a joint account with my wife as her attorney-in-fact. I asked for further detail as to what paragraph of the CT statutes this decision was based on and some days later I learned from her that the applicable department would not respond to her with any additional information. 
The decision of JPMorgan Chase Bank to refuse to honor the authority conferred via our POA is in violation of Connecticut statutes, which states financial institutions are specifically mandated to accept a POA, and it cost us a {$600.00} bonus that was offered by Chase at the time for account opening with a specified balance. There is no exclusion in the Connecticut statutes for a representative to enter into joint agreements with the grantor under the representatives authority nor does it specify additional wording is required in the power of attorney document to cover such a situation. 
In this process Chase also violated Connecticut statutes specified in SB190 effective XX/XX/XXXXXXXX  that states : a financial institution must accept a POA when it is presented for acceptance, regardless of whether or not the institution asks for a certification, translation, or attorney opinion. Under the bill, a financial institution may still ask for additional documents, but it can not refuse a POA or delay its acceptance without such documents. 
The difficulties with financial institutions with regard to POAs has long been recognized and has prompted revisions to state of Connecticut general statutes such as 1-350R/S back on XX/XX/XXXXXXXX  : Under the old law, many people were frustrated that they had planned ahead only to have a bank disregard the POA for various reasons ''. Firm enforcement with severe penalties need to be levied in order to stop the abuse of people with representatives assisting them. Your assistance is requested in bringing enforcement actions against JPMorgan Chase Bank for so blatantly disregarding laws with impunity.
Consumer complaint received 2023-10-15
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. (TX)

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.

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-10-02
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: World Acceptance Corporation (SC)

World Finance and XXXX XXXX is in violation of the law after being put on notice on numerous occasions, last being XX/XX/XXXX. Informing them they were reporting inaccurate and incorrect information.

15 U.S.C. 1681i ( 2 ) Prompt notice of dispute to furnisher of information : ( A ) In general : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Furthermore, as defined by the IRS cancelled debt must be reported as grossed income, even if I did not receive form 1099c. Income does not get reported on credit reports.

15 U.S.C. 1681 Congressional findings and statement of purpose : ( A ) accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b Permissable purpose of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Mr. Cooper is responsible for disbursing an insurance claim settlement made due to flooding with Hurricane Harvey. My total claim is {$190000.00}, and Mr. Cooper so far has disbursed {$58000.00} including {$20000.00} disbursed only after a previous CFPB claim. I have uploaded nearly {$80000.00} of receipts for repairs done and previously Mr. Cooper would not release more that {$37000.00} of my settlement ( which represented less than my insurance advance ) until the CFPB helped out. 

I have now reached 50 % completion of repairs to my house. Mr. Cooper previously assured me that they would release 50 % of my settlement once inspection revealed that I had reached 50 % completion. This inspection was done and certified on XX/XX/2018. I have been expecting then {$190000.00} / 2 -  {$58000.00} = {$39000.00}. However, Mr. Cooper has found excuse after excuse to not release my next disbursement. Despite certifying that all of my documentation was complete in XXXX and disbursing money previously, they have overlooked updated contracts, asked me to re-upload documents numerous times, and denied requests that are based on obvious errors on their part. Every time they make a mistake and ask me to re-upload documents, it takes an additional 48 business hours to review. They have thus been able to delay for now over 2 weeks an additional release of funds that they assured me would have no issues. 

This company is absolutely preying on natural disaster victims and should be heavily reprimanded as such. By no means is my experience unique -- just do a web search for Nationstar or Mr. Cooper and see how many complaints are raised about their company. They constantly use an excuse that this is all due to " government regulation '' but no other mortgage company ( and I know the stories of dozens of my friends who flooded ) has given so many roadblocks to releasing Harvey settlements.
Consumer complaint received 2023-10-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

This was a loan that I co-signed for my daughter and she got XXXX and was let go of the obligation but I was not. The Interest rate is so enormious that I can't keep up with the payments and the balance just doesn't go down. I have tried to get an reduction in the interest rate, but they say I am disquailified. I have been paying regular payments on this lian since XXXX and the balance at that time was {$23000.00}. It is now XX/XX/XXXX and the balance is {$22000.00}. I am XXXX XXXX XXXX and can't XXXX because I have to keep payin on this loan so my credit isn't impacted. I need help with this. I feel I should have been released from this obligation because of my daughters health.The original loan was XXXX. They are amking tons of money from this and I don't feel there is an end in sight.
Consumer complaint received 2022-10-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I purchased a Jersey from an online company that was using the teams name and the store under their website name. After putting in my credit card info I was charged through XXXX to someones personal email from outside the country. I eventually received the merchandise and it was poorly handmade by an amateur person that was not even close to the size that it was supposed to be. There is no phone number to call and the package came from XXXX. I had to email them and they said they would give me 40 percent back.this was not off an XXXX site where you know this before ordering! They also used photos on their web of a real XXXX they stole off the official site with XXXX sizing. I disputed the transaction and went through the process with my Bank of America Visa card. I submitted pictures of a real Jersey that I re-ordered and showed it against what they sent. I sent them a screen shot of what they showed on their web and what they sent which was very clear of not being the same. I included a letter to them that they requested I gave them the website name in ordered from. They requested I send a letter on a Friday and Monday they denied my claim although it was well before a week before their ends date and they didnt have the letter yet. They are saying they want the Jersey evaluated by a professional company to say it is fake when photos clearly show it is handmade. When i called they said yes they can see it but they need the letter because they are not professionals on Jersey evaluation even though it is very obvious. I explained that is not possible as a authentic team store is over three hours away from me. If i had the ability to buy it local I would have. This is unrealistic especially with all the proof of what I orderiwd from what appeared to be a legitimate website and nothing mentioned in the description that it was handmade to be like a real Jersey. It did not show the huge stich lines in all directions on their web because they stole the photo to use in their web. They can see this. They are unwilling to work with me to dispute this transaction.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (MI)

A payment was made of {$280.00} and applied to an old lease account that was closed at the time of payment. We were never refunded this payment. The account was XXXX it was paid through XXXX bill pay on XXXX We should have been refunded this payment.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (TX)

Receive a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the mail on XX/XX/2023 and an email welcoming me " to your XXXX XXXX XXXX XXXX XXXX card account '' on XX/XX/2023. I NEVER APPLIED FOR THIS CREDIT CARD. VERY CONCERNING! 
I tried to contacting the bank that issued the card, my call was disconnected. 
BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX XXXX