davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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: SYNCHRONY FINANCIAL (CA)

XXXX XX/XX/year> account with Synchrony Bank SYNCB/QVC was opened without my permission and or consent. This account was opened fraudulently with my personal information. They opened the account and then switched the shipping information to receive the merchandise. I was contacted by qvc customer support ( the store ) asking if this address change was done by me, I stated Never opened the account and never ordered any products. I called Synchrony Bank immediately and reported the fraud. But they failed to close the account and remove account from credit report.
Consumer complaint received 2024-08-02
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. (GA)

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these ACCOUNTS : Public Record : XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX, the amount of my check was XXXX at the Bank of America bank. I was being discriminated by another race and she wouldnt cash my check for me because she said she cant cash this check at this bank because its with another bank which it wasnt. Its a Bank of America check. She just didnt want to take it and give me my money and also I went to another Bank of America XXXX which they cashed my check just fine for me and I had talked to a guy at a different branch that was 10 minutes away from the other one and he pulled me to the side because he heard my conversation with the teller and we talked about it, and I talked to the manager same day she gave me a phone call & I explained everything & how I was being treated. I explained to her what happened. The lady either thought my check was either fake and she just didnt want to give me the money and she also was being very unfriendly with me but yet she was friendly to the other races that were there & gave them theyre money but not mines. She also told me I couldnt cash my check because of the amount which made no sense at all she just didnt want to help. I have a account with Bank of America also. She also got my number wrong twice when I had to yell my number to her again to look me up in the system. She also gave me another option to deposit my check into the account which will take 2 days to post which I did not want that. I wanted the money in my hand, she still didnt want to help me so I had to drive 10 minutes away to another bank to cash my check and it was successful, but I am reporting this because its emotional towards me and I dont treat other people that way the way that I was treated was not OK. I will & I want to take this matter further.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (CA)

A payment to Transworld Systems Inc. was made on XX/XX/2024. I specifically requested that the payment would be made in exchange for a deletion on my credit report. The company agreed to this on the phone in exchange for payment on a recorded line. There are recordings to prove that I requested this. They took payment for the debt and then proceeded to not remove the entry from my credit report and stated that they do not remove entries. I would have never agree to this as there is no point in paying a debt that continues to burden my credit XXXX points on a {$90.00} debt that was wrongly put on my credit to begin with. The creditor never sent me a bill for the charges and I specifically requested the bill be sent to my email at the time. TSI defrauded me by claiming they would delete the entry and then refused to do so. This is wire fraud and I plan to prosecute them to the fullest extent of the law if the money is not either returned or the entry deleted.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union ( NFCU ) does not meet the most basic expectations of checking financial services ; rather, it is a bag of XXXX  services that forces customers to manage their own checking needs using third-parties. First, I attempted to order checks. I was redirected to their XXXX  service which stated it would take XXXX month. The checks failed to ever be delivered, so I had to cancel the checks and create a new account in the event that the checks were stolen. Second, I had to order checks XXXX more times because the names on the checks were incorrect. Third, once I had the checks and transferred our joint account to a new checking account, the NFCU bill payments service, XXXX, attempted to make a payment with the old account, which of course failed. Because of this non-sufficient funds ( NSF ) error, my wife was unable to make payments from our new checking account. This appears to have affected our credit score, which Im attempting to confirm. Fourth, instead of fixing the problem, NFCU forced me to call XXXX multiple times to reach their customer service to fix the problem. Each time the XXXX automated call routing machine stated that I would be re-directed to customer service, XXXX ended the call. In all, I made XXXX calls to both NFCU and XXXX and was never able to use my checking account to make payments. Im reviewing banks and credit unions for where to move my funds, now. NFCU expecting me to manage their 3rd-party XXXX  services is outrageous and is exactly the reason the US has regulatory agencies. Please enforce compliance actions upon this institution.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have two credit cards with capitol one. A Walmart Capital One Card and BJs Capital One credit card. I had a problem with my checking account and made a payment to these accounts. Unaware I used the account that had and issue ( card lost ) the payment did not go through. I immediately I made another payment with my debit card and the payment went through for the BJs credit card. The Walmart credit card payment somehow went to the incorrect account again, which I was told by Capital One Walmart customer service that it was because they do not accept debit card payments. Once I realized the Walmart payment was not made I finally got the payment to go through my debit card which was successful. When I contact capital one the supervisor names XXXX said that they do not accept debit card payments so this why it did not go through. I noticed that the payments tried to go through an account that I was not using. All of these payments have since gone through my debit card and have been paid. Capitol One decided that this was a violation of their terms, which I was never aware of. I did not know trying to make payments would be a violation, I do understand that these payments were unsuccessful until I finally got them to go through the right debit card account. So now my credit is being ruined by Capitol One closing these accounts. I am not sure why they closed the BJs credit card, I am told because the Walmart credit card terms were violated they closed all accounts. I am trying to understand how they can terminate my cards without any notice, without regard to the damage it creates on my credit reports, and why they would cancel an account that was not even involved, I was just trying to pay my credit cards. Capital One states that they can close these at any time and I have no right to appeal the decision, if I am trying to build my credit how can I if I can not control or fix a problem that is ruining my credit. I am trying to understand what recourse I may have and what I can do.

Thank you for your time and help.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am reporting on behalf of my mother, XXXX XXXX. 
My mother was preyed online on XXXX by a profile under the name of " XXXX XXXX XXXX. '' He pretended to flirt with my widowed mother and lied under the character of being a XXXX XXXX XXXX under the XXXX XXXX that had been working for the XXXX XXXX. He made fake stories of his parents XXXX in a XXXX XXXX, and lied about meeting my mother in the United States. Not only of lying, he would promise my mother that he would pay funds if she had given them. He would make fake facades of fees like XXXX XXXX of entering the United States of {$24000.00}. He would lie about the troubles in XXXX and request other payments prior. 
They would make fake XXXX XXXX invoices and make it seem that this was a way of helping him into the country. We have all their addresses and numbers. 
My mother at the time, did not inform me about this and truly believed him. He manipulated her while she was vulnerable and she had no idea the true intentions behind this awful scam. 
My mother is a first yearXXXX  all alone, and our father or her husband died nearly XXXX XXXX ago. She was recently in a XXXX XXXX and her XXXX XXXX is not in the best condition. I always try to warn her about the scams, but she never knew the evils of certain scams. She felt sympathy and empathy and truly believed that this person was going to pay her back.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (CT)

We purchased the vehicle from XXXX XXXX, XXXX of XXXX, New Jersey back in XX/XX/2023. We have yet to receive plates for the vehicle and they failed to send a temporary plate each month. My daughter has been pulled over as the vehicle is a high theft vehicle ( XXXX XXXX ) And the only way she avoided being arrested were getting a ticket is because she had the only XXXX of the temporary plates sent to her in the past eight months. We have communicated several times by calling the dealership, which is in New Jersey ( we reside in CT ) to try and rectify the situation. Weve been told all kinds of excuses from the dealer, including that the DMV is really backed up. They tell us that they are going to call us back and let us know and always drop the ball. I finally reached out to PNC Bank, which holds the car loan and they spoke with XXXX XXXX XXXX on XX/XX/XXXX stating the entire time was as a result of someone not signing a document, they told PNC Bank that they would have the document back signed within the week and that we would have plates within the next week so that the issue should be resolved within the XXXX week period from XX/XX/XXXX. We did not receive a callback from XXXX XXXX XXXX with an explanation as to what the hold up was all this time. We are still awaiting plates and have not heard from XXXX XXXX XXXX. Weve placed several calls to them to try and resolve this issue without success. I would advise any consumer to stay clear of the dealership as they have not communicated to us whatsoever or kept us in the loop of the XXXX going issue. And as I said, they only sent us 3 or 4 temporary plates in the past XXXX months that the vehicle has been in our possession. I have never seen such a lack of communication and unprofessional business as XXXX XXXX XXXX. It is my hope that by filing this complaint, I will save others from going through the same problems. The most frustrating part is the fact that we live in Connecticut and drove to New Jersey to get the vehicle, so it was not some thing we could just go there and be in person to resolve. We depended on their communication to us by phone, which they failed to provide. The only information provided to us was that the DMV was very backed up, which had not been the case at all. If it were not for the lender, we would not know what the issue was this entire time. We are still waiting to receive plates for the vehicle not to mention communication of the information that we received from PNC Bank.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC (NJ)

According to the fair credit reporting act the following accounts XXXX XXXX  - Acct ending # XXXX XXXX XXXX XXXXLending Point which is on my report 2 separate accounts is paid and both accounts should be removed - see attached. 
XXXX XXXX  Acct # XXXX - Never late all 3 companies have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightened my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

To Whom It May Concern It has been brought to my attention that Experian continues to ignore my requests for the removal of these items that have already been successfully removed from my XXXX and XXXX credit report. 
Therefore, I am requesting again that XXXX remove these items below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I demand the following accounts be verified or removed immediately. 
1. 15u.S. Code 1692e- False or misleading Representations XXXX Account number # XXXX Update to closed and paid as agreed 2. 15u.S. Code 1692e- False or misleading Representations XXXX XXXX XXXX Account number # XXXX Please Remove from Credit report 3. 15u.S. Code 1692e- False or misleading Representations XXXX XXXX XXXX Account number # XXXX Update to closed and paid as agreed 4. there is some inaccurate information reporting XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Please Remove from Credit report
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX  the late payment to paid as agreed was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Update the late payment to paid as agreed Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 XXXX, Account # 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 Has violated my rights. 

XXXX5 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc. (IA)

This company is a predatory lender. Attempted to pay this off within the 90 day window and mysteriously this company would not charge one or more of the payment cards used for payment due to what they told me were problems at their end. They then proceeded to damage my credit. I eventually paid more on this to try to get away from this company but it did not lower the amount owed. I found out that they try to call what they do 'rent to own ' but it is a scam charging you XXXX to XXXX percent interest on what they finance. This is a wholly illegal and predatory company preying on the poor and less fortunate.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.