davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank contacted a relative today, XX/XX/2019 and disclosed to my relative what company they represented, the fact that my debt was past due, how many months my debt was past due, and the exact amount of my debt. Synchrony Bank did this despite having my valid address and contact phone number. I provided them with this information in XXXX of this year when I filed a formal complaint with them for unnecessarily charging off my account. They have never contacted me regarding my complaint from XXXX.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

ON XX/XX/2024, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO PORTFOLIO RECOVERY ASSOCIATES REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNTS # XXXX {$1400.00} # XXXX {$3200.00} REFLECTING ON MY XXXX, XXXX, AND XXXX CONSUMER REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTER, PORTFOLIO RECOVERY ASSOCIATES STILL CONTACTED HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE XXXX CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA THEREBY HAVING IT REPORTED ON MY CREDIT FILE AND CONSUMER REPORT. 

XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THESE ACCOUNTS.
Consumer complaint received 2020-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020, I reviewed my Equifax credit report online. I discovered that Equifax is reporting that I have two identical open accounts with XXXX XXXX. I submitted a dispute online. On or about XX/XX/2020, I called Equifax and spoke to a representative. I explained to her that I only have one account with XXXX XXXX, not two, and I would like to have one of the accounts removed from my credit report because it was hurting my credit score. She advised me that the dispute was still pending and XXXX XXXX reported that I have two exact accounts. On or about XX/XX/2020, I reviewed my Equifax credit report online and I discovered that Equifax closed my dispute without reporting their investigative results and the XXXX XXXX  EXACT accounts remain on my credit report. This wrongful information is hurting my credit score and preventing me from getting a home loan.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (PA)

I sent the initial affidavit and cease and deist demanding deletion of these alleged accounts on my consumer reports after learning these reporting agencies did not have written consent to furnish these accounts onto my report on XX/XX/2021 as well as a cease and desist demanding the consumer reporting agencies to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. The following alleged accounts are non-compliant, inaccurate, and unverifiable accounts that have not been certified under the testimony of facts. XXXX  is still reporting this alleged accounts on my private consumer report without my written consent per 15 USC 1681b ( a ) ( 2 )
Consumer complaint received 2021-09-27
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: COMMERCE BANK (TX)

For the past 9+ years I have maintained an exemplary standing with my Commerce Bank Visa credit card account. In the past 1-2 years I added my granddaughter and a couple of nieces as authorized users. On XX/XX/XXXX of 2021 I called to remove my granddaughter, XXXX XXXX from the account. 1 ) adds can be made online but I was told that deletions could not be completed by phone or online, instead a form would be mailed. A form was mailed, however, the wrong form was sent to me ( it was a form to add an additional user instead of the promised deletion form ). 2 ) On XXXX the representative advised that while waiting for the deletion form, he would close my entire account and reissue a card to me alone ( which he did ). 3 ) On XXXX I paid the total account balance of XXXX dollar to bring my account to zero. 
After the closure of my account and new credit card number being issued, my granddaughter continued to use her XXXX  card ( which was linked to both her XXXX XXXX bank account and her old, closed Commerce account ). Commerce transferred charges after XXXX from XXXX 's old, closed credit card to my brand new credit card without authorization. To my surprise, I logged on and found additional charges along with a late fee for unexpected charges. The 1st two reps that I spoke to admitted that there was a breakdown in their internal controls that allowed XXXX  charges linked to an old, closed account to be transferred to my new account, however, Commerce fraud review representative came back and said that i was still liable even though 1 ) the prior account was closed 2 ) the new account only issued a card to me alone 3 ) Commerce had not provided the form necessary to remove anyone ( supposedly closing the old account was the solution- this can be heard on the phone transcript that Commerce refuses to provide me a copy of ). The XXXX charges made after XXXX are the responsibility of Commerce , not me. They failed to provide a way for me to remove users so they instead closed my account to avoid unwanted charges.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (DE)

I am writing to file a formal complaint against Huntington National Bank regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/XXXX, I notified Huntington National Bank that I am opting out of all authorizations, whether written, unwritten, verbal, or nonverbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have a reason to believe Huntington National Bank has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Huntington National Bank complies with all federal regulations and XXXX, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Huntington National Bank. 
Please feel free to contact me at XXXXXXXX XXXX XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SUNTRUST BANKS, INC. (VA)

I have a Suntrust Credit Card that offered zero-interest balance transfer for a one-time fee. I took advantage of that for an approximate total of {$7300.00} in balance transfers over the course of 8 months. There is a minimum payment due on the transfer balance of approximately $ XXXX $ XXXX but no interest is charged until the expiration date of the offer ( XX/XX/2020 in my case ). Since obtaining the zero-interest balance transfers, I have only made two retail purchases amounting to approximately {$350.00} dollars. I was told by the banking rep that I could pay over the minimum monthly amount to cover those purchases and there would be no interest on those charges ( 16 % otherwise ). However, I have now been told by another rep that I can never pay off those purchases resulting in perpetual interest on those purchases until I pay off the entire balance of {$7500.00}. In other words, the bank is forcing me to pay interest on that {$350.00} despite my request to pay it off because there is still a XXXX interest balance transfer balance. I have now been told that if any portion of your credit card balance is XXXX interest, you can not pay off retail purchases that have 16 % interest. This apparently is in the fine print but was the opposite of what the original Suntrust rep conveyed to me. The Suntrust rep I last dealt with responded simply by saying that is the policy and the original rep ( upon which I relied ) was wrong. Nothing they can do about it.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

In XXXX I made a loan with Tower Loan LLC. I lost my job right after that and just could not pay it back. When I finally did get a XXXX XXXX and could pay a little on it the employee XXXX told me not to worry about it. She was good friends with my ex wife. In XXXX of last year my check was really short. After investigating it i found out Tower loan sued me and won. I never got notice from nobody. I went to the place tower loan and confronted the lady XXXX. She told me she did say not to worry about it and smerked and told me a working man will always pay more later. 
I borrowed like XXXX or XXXX dollars i cant even remember. I finally got a payment from their attorney and it says principal was XXXX i don't know what it was but i know it was nowhere near that. And they have suied me for XXXX and won. this was in XXXX of XXXX. I have sent letters and emails requesting a payment arrangement but they denied everything. they will not even send me a balance unless I first pay them XXXX. 
I have tried to stay afloat but I am drowning becouse of this. I took full custody of my daughter 2 years ago and I am by myself. I work XXXX hours a week and I was barley getting by. I am now 2 months behind on my house and insurance and transmission went out in my car. I was trying to hold on and pay the rediculas amount and just get a lawer after they stop thier garnishment but I cant make it. I know what they did is wrong and I just cant do nothing about it. Can you please help me. I have begged the lawer for tower loan and tower loan itself to let up and they want. i have already paid them like XXXX for a XXXX debt and now i am facing homelessness fior me and my XXXX XXXX XXXX daughter
Consumer complaint received 2024-02-01
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. (LA)

After receiving a copy of my credit profile i noticed a few unrecognizable inquiries that i asked the bureau ( Equifax ) to remove who then gave me the run around a then no update.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I purchased a plane ticket using Chase Rewards Points before the pandemic on XXXX XXXX for a total cost of {$2700.00} or XXXX points. As that flight was schedule to travel to XXXX in XX/XX/2020 where there was already widespread covid-19 infection, I took advantage of the airline 's travel waiver to change to a flight to XXXX XXXX for XX/XX/2020. The airline cancelled my flight and refused to refund me. While they issued me a credit, it's about to expire ( I have no need to travel at this time ), they are legally entitled to refund me my money, but they will not. Chase has done nothing to return my points or get XXXX to return the value of the ticket to me. ( They say they've called the airline, but this isn't helpful ) As the booking agent, they should be helpful in assisting me in returning the value of my ticket. ( They could even process a charge back for the stolen value of the ticket, but they refuse to do this ). 

I would like chase to return my points for the flight I purchased that was cancelled that I was unable to take.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (TX)

Contacted me and said I owed money, I have never used the company why not lease. Also i asked for validity and they just sent me a letter they made no contract or anything. I told them it wasn't mine. They refuse to do anything.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

On XX/XX/2020 I sent LexisNexis out a letter asking them to provide the documentation of how and who they spoke to, for them to supply the credit bureaus with a bankruptcy on my credit report. After 50 days and no response I sent out another letter on XX/XX/2020 stating that since they have not provided any details or responded on how they received information of a bankruptcy on my behalf, that they needed to remove it, and share the deleted details to the credit bureaus XXXX, XXXX, and XXXX. Lexis Nexis has not yet responded to either letter in which I have tracking on, so I'm moving on to the next step with this complaint. I also sent LexisNexis a letter telling them to put a Security freeze on my account/report so that no one else can receive any information about myself. Well I just received a letter from a credit union stating that they received information from LexisNexis when that should not have happened because a security freeze was supposed to be put on my account months ago.
Consumer complaint received 2024-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (GA)

On XX/XX/XXXX we were send paperwork to sign and notorize having been approved for a partial claim loan modification. We returned the required paperwork and received letter dated XX/XX/XXXX from our mortgage provider that they had all required documents and were waiting on documents from investor. Without any further clarification we received letter from an attorney stating our home would be scheduled for foreclosure with an auction date of XX/XX/XXXX. I have a confirmation from our account page stating that our decision was due by XX/XX/XXXXXXXX During this same timeframe our mortgage provider changed names from Specialized Loan Servicing to Shellpoint. The account site for SLS was no longer available after XX/XX/XXXX and now have to sign in through Shellpoint. They have not honored the partial claim modification for which they provided the required documents and we returned by the XX/XX/XXXX date stated on our account page. I am looking for assistance in cancelling the pending auction date while working with Shellpoint to resolve the original partial claim offer. I have copies of all documents for review. Thank you.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I had over {$9000.00} dollars in a Chime banking account. I received a text message from Chime on XX/XX/2020 asking about unusual activity and whether I was responsible for it. I replied " No '' via text as instructed. I then received a call from Chime. They told me someone had hacked into my account and was in control of it. They assured me my account was secure. It appears as though they were incorrect with that. I now have only XXXX cents in my Chime account.
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Ive been charged by XXXX  XXXX when I have never opened a XXXX account. The dates say between XX/XX/2019 til XX/XX/2019. I dont have a XXXX  account nor have I ever
Consumer complaint received 2019-06-06
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX FI XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;
Consumer complaint received 2019-06-06
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. (WA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; AUTOMTD ACCT  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; ( Original Creditor : XXXX XXXX ) XXXX ;
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Greetings. I am submitting this complaint as a follow-up to my recent grievance, conveying my urgency earnestly. I am certain that none of these inquiries were authorized by me, and the associated addresses do not belong to me. For your convenience, I have itemized the details below and reattached my FTC report with the reference number # XXXX : -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NJ)

A security was submittedXXXX to this company 's Trustee ( Wilmington XXXX XXXX XXXX XXXX for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXX XXXX XXXX XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX XXXX  is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.