davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (AL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

I signed up for a venmo credit card in XXXX because they were offering a {$200.00} promotional credit if you spent a certain amount within the first 90 days. I fulfilled the requirements but they still have not given me the {$200.00}. I've called them several times over the last 6 months and each time they say it will be on my next statement. It never is.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (FL)

The company closed my account and payments were all on time in credit report. The company did not provide same account and opened new account of credit including hard inquiry. The company has also been sharing private information and a lot of scam emails received.
Consumer complaint received 2016-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CO)

I got an auto loan through Chase and could n't make the payments so they eventually charged off the account. After the account was charged off I paid them for the balance of the charged off amount but they are still reporting to the XXXX major credit bureaus that I have an unpaid charged off balance.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (CA)

Milestone Mastercard has failed to post payments to my account as mandated by law. According to regulations, credit card companies are required to credit payments to accounts on the same day they are received. Milestone Credit Card did not comply with this requirement. Additionally, they charged me an annual fee of {$170.00} for a credit limit of {$700.00}, which exceeds the permissible amount under California state law. 

Furthermore, Milestone Mastercard contacted me to collect these funds, yet they proceeded to withhold the full payoff amount from XXXX XXXX. This practice raises serious concerns about their compliance with both consumer protection laws and fair lending regulations. By failing to credit payments in a timely manner and imposing excessive fees, Milestone Mastercard is not only violating legal requirements but also undermining consumer trust and financial stability.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Equifax is reporting XXXX collections and showing the creditor or debt collector as " Unknown ''. If it is unknown then how can they possibly be reporting this? How is this accurate, verifiable information? My research on the Fair Credit Reporting Act shows that this is illegal in reporting.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for these inaccuracies to be investigated and corrected, I have yet to receive a satisfactory resolution. These incorrect entries are severely affecting my credit file, and the resulting negative impact is significantly hindering my ability to manage my financial affairs and live a normal life. 

The continued presence of these inaccuracies has caused considerable hardships, and I am left with no choice but to plead for your prompt and thorough assistance in rectifying this matter. I respectfully request a comprehensive investigation into the reporting of each disputed account, with a focus on ensuring that the necessary corrective actions are taken without further delay. 

It is imperative that my credit report reflects accurate information so that I can restore its integrity and regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift corrective action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo is saying we have not been paying are payments when weve payed all of them. They have stated that there has been reversals on are payments and that are bank is keeping the money we have all documents from are banks stating we have made they payments that they are saying we have not weve have called and tried to work it out with the bank but they are no help what so ever every time we call its a different amount a different date they dont know if there going or coming now they are trying to take the car when weve done all we can do to try to fix this instead of are total on the loan going down after XXXX years its still sitting at where we started
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

My recent credit report is showing multiple collections that I never received written notificationcommunication about so I had no time to dispute them on my behalf. I am also requesting debt validation persuant to 15 U.S. Code 1692 G, in this debt validation I am requesting a detailed list of my history of payments made by me on this account, I am requesting the ORIGINAL PURCHASE AGREEMENT, contrat with my signature with me agreeing to pay this creditor, has there been an insurance claim filed on this account, I also want to see that you have chain of title to collect on these accounts. LVNV FUNDING LLC- account number XXXX, date XXXX. Without providing this information according to FCRA these accounts need to be removed immediately.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IN)

I have multiple ( over XXXX ) disputed charges from my cash app card starting XX/XX/2024 going back to XX/XX/2024. I filed the disputes with cash app starting XXXX XXXX. Cash App has refused to investigate, refused to provide documentation, ( the only documentation they have provided was a list of the charges I am disputing as not receiving what I purchased, showing those charges were paid ). They make it impossible to communicate with them, sending you to chat, then to a XXXX who never responds, then they close your issue and send you back to chat to start over. They are not transparent, will not give you any information to reach anyone, and do not follow any of the banking regulations for visa or checking accounts other banks have to follow. SOMEONE needs to regulate them and look into these disputes. I filed an initial complaint with the CFPB, Complaint ID XXXX. Cash Apps response was that they didnt investigate because they couldnt verify I was the owner of the account- I have verified my identity with Cash app multiple times confirming my social security numberC state issues drivers license, and address. I am shocked that the CFPB would allow them to close this case with such a generic response. This is simply another XXXX of cash apps tactics to get around banking regulations. They need to investigate these disputes and provide actual documentation for them if they are going to deny them. This has been going on for over a month. They also need to be required to have a dedicated line of communication for consumers to talk to them and submit information/exchange information. I would like all of my disputed charges properly investigated with documentation showing it was investigated, and if it was denied a valid reason/with documentation provided. They will not be able to produce that because I didnt receive what I was charged for.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (IN)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year>, I applied for a line of credit with SYNCB. A hard pull was made on my report but I did not receive the line of credit. 

Pursuant to 15 US CODE 1681 ( n ) this hard pull needs to be removed.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (TX)

The bank must not supply information to a credit reporting agency that it knows is inaccurate. In this case, the bank is reporting a debt as charged-off when was settled it or paid it in full. Attached to this complaint will be documents that supports the bank 15 U.S. Code 1681 605. ( 8 ). violations.
Consumer complaint received 2016-06-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent. 

DATE : XXXX/XXXX/2015 Entry/Inquirer : HNB Small Business B
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX I stopped in the XXXX XXXX  of TD bank to set up a trust account. They let me know that they can not set it up there and the corporate office needs to review and approve the documents. Its been over a month and I have followed up via email with the branch. XXXX and the branch manager XXXX XXXX have been on all the emails. They keep stating they havent heard back from corporate and we have no path to get this resolved at this point. Corporate also does not speak to me at all and when calling customer service, they tell me I need to go back to the branch, but the branch can not resolve.
Consumer complaint received 2020-06-19
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is very unjust and unfair in their decision making with helping consumers. Ive recently inquired multiple times to have a goodwill removal of late payments from my account which were denied. I know several people who have inquired about more and newer late payments being removed and their request was approved. I dont know how Capital One decides who to help and who not to help but its very unfortunate and unethical that this company is not fair in decision making with all of their consumers. When I asked the representative the reasons why my request were denied she could not supply any reasons besides saying there are policies. When I asked her to supply or read those policies she could not. I asked her to get me to someone or a department who could state the policy for me and she could not do that either. Capital One will tell the consumer a fake statement of we have to report accurate information to the credit bureau when that is completely false. Close friends who have had worse accounts then mine have been helped by Capital One for late payment removals. There is a XXXX page on Capital Ones unfair treatment to consumers across the board. Capital One does not lose anything financially or business wise by removing late payments from an account. My credit cards are paid off and closed. I understand they were my fault but I was going thru a very high risk XXXX where I couldve possibly XXXX XXXX XXXX and fell behind on payments and now I cant even obtain a mortgage loan to better my stability for my family. Capital One should at least train their staff their policies and factual reason for denials. I wish I had never done business with Capital One.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AR)

Company repeatedly calls to collect debt that I do not believe I owe, I had a XXXX XXXX  credit card, made a small around {$30.00} dollar charge. Due to the unexpected XXXX  of my husband I missed its payment. Once I realized it, I immediately paid it, Comenity bank holder of the credit card, called and said there was a late payment due, I asked considering the circumstances, would they waive the late fee, they did not, most companies do, I also asked for the card to be canceled, they refused. I then got a bill for a trumped up charge of {$2.00}. I called them multiple times, asking to talk to a supervisor, the agent replied only if I made a payment to my balance. Then they started accruing penalties and fees, which the Better business bureau has sighted as unfair credit charges. My credit rating took a hit. Then they sold the debt to XXXX credit management who started harassing me with multiple calls from multiple numbers, I had to place a call blocker on my phone. I have had as many as 10-12 calls a day in rapid succession. This company has an unsatisfactory rating from better business bureau. All this mess could have prevented if Comenity Bank allowed me to talk to a supervisor.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (FL)

My loan was originally with XXXX XXXX XXXX  ( XXXX ) and was transferred to PHH Mortgage Services effective on XXXX XX/XX/XXXX. I have had 2 main issues with the loan since it was transferred.

1 ) I made a payment to XXXX on XX/XX/XXXX in the loan payment amount of {$1400.00}. This payment was transferred to XXXX on XX/XX/XXXX and was acknowledged by XXXX. The payment was not credited to my account properly. I have since been making regular monthly payments on time but XXXX has recorded them as late and assessed a late fee on everey payment made since XX/XX/XXXX. 
2 ) There was an escrow account established by XXXX effective on XXXX XX/XX/XXXX with an initial balance owed of {$890.00} for what was determined as a " Forced Hazard Insurance ''. Escrow payments were rolled into my monthly motgage payment and payments made regularly. My property tax and hazard insurance are direct billed to me. When PHH received the loan, they have made a payment to my property tax out of cycle and have now assumed that there is an escrow shortage and assessed up towards {$500.00} of additional monthly payments which are not necessary. I have requested that this escrow account be closed immediately and the remaining balance can be paid by me outside of my loan. 

I have had numerous telephone conversations but each time that I call I ask for a manager and I never get to speak to someone who has the knowledge or authority to assist with clearing up these mistakes. I have received calls but most of the time, they go to voicemail and when I return the call, it ends up being transferred between lower level call center personnel and I never get to speak to someone who can help.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

In accordance with the fair credit reporting act. The lists of accounts below has violated my federallyprotected consumer right to privacy and confidentiality under 15 .s.c 1681. XXXX XXXX XXXX. XXXX XXXX
contact info. XXXX XXXX u.s.c. 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 u.s.c 1681c. section ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reports 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 1681-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the information is in accurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to complain to CAPITAL ONE AUTO FINANCE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I am a XXXX XXXX XXXX XXXX specifically debt bondage. As a result of this XXXX, my personal information was used without my consent to open accounts and incur debts. These accounts do not belong to me and are negatively impacting my credit report.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercury Financial Intermediate LLC (CA)

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to Mercury Financial LLC. I refuse to pay a debt, I do not owe. I also do not wish to contract with Mercury Financial LLC. This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX and XXXX. This debt company negligence has caused me to seek medical attention.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Business Financing Corporation (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.

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