davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello, I'm writing in regards to application for a NFCU credit card done online. I was disappointed to hear of my denial considering my efforts over the last few months to improve my credit. Recently, I've taking steps to improve my credit reports that been riddled with inaccurate information. I currently have all my most recent accounts in good standing. No recent late payments and pay all my bills on time. I have been a valued customer with navy federal credit union for over three years. I might had some hard times with my account but other than that my account been in good standards. Navy federal states that they don't based you credit application on consumer report but you will still get an inquiry. Therefore, they based your application on your Transunion report and also your navy federal credit scoring system. Therefore, they have violate my rights as a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( **The Navy Federal Credit Union ** ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 I've done an excessive amount of research on various types of credit & what's need to build a satisfactory score. I've taken money management & a credit 101 class offered through my employer. I'm not asking for a large amount of credit, but simply enough to enjoy the wonderful benefits of the credit card while also continuing to prove my value & creditworthiness to you as a customer. I'm excited about the great perks & features that are associated with this credit card. I'm hoping this letter finds it way to someone who can help me get this application reconsidered, however I'm not authorizing an additional credit pull.

I also have the navy federal credit union NReward card that been in good standards since I got it and no credit limit increase. Please could someone review both accounts.

Below, I attached a letter in writing that I sent to them for reconsideration on my credit profile.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MD)

I'm a victim of identify theft below are the list of unauthorized companies JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (GA)

Aldous & Associates has threatened to report a collection to my credit profile for a payment they claim I refused to make after I returned their voicemail. However, I was no longer a member of the gym, I have good credit, and the card they were attempting to charge had been canceled due to my wallet being stolen. 

I called both the gym and XXXX XXXX to inform them that my account had already been closed and that I had no outstanding debt. Despite this, they continued to call me. So, I sent them a certified letter with a return receipt requested, asking for verification of the debt and requesting that they cease all collection activity. They never responded to that letter. 

Now, they are threatening to send me to collections and damage my perfect credit score, so Im trying to resolve this matter before it escalates.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Improper use of my credit. In accordance with the Fair Credit Reporting Act, this creditor violated my rights. Under 15US Code1681 Section 602, states : I have the right to privacy, 15USCode1681 Section 604A Section 2.It also states that a consumer reporting agency can not furnish a second account without my written instructions. Under 15USCode1666B, Creditors may not treat a payment on a credit card account, under an open a Consumer Credit Plan, as late for any purpose. 
This includes my Synchrony Home, My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). Any that I may have missed, but posted on my credit report as late. Please clear this up. Thank you XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I sent in a dispute letter for removal of fraudulent accounts with XXXX XXXX XXXX XXXX and was sent a letter stating the account was verified. The account could not have been verified because I was sent a letter stating that the account didnt belong to me. Equifax lied about their investigation, if proper investigation was done they would have found that the account was not mine.
Consumer complaint received 2024-08-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Huntington Debt Holding LLC (MI)

I reported predatory lending against XXXX. The original amount was {$2900.00} and is now over {$5000.00}, and the XXXX was 220.4 %. 

Also, now they are threatening legal action against me. There is no proof that I have any financial obligation to Huntington Debt Holdings, LLC
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I am a XXXX citizen with dual XXXX XXXX. A hold has been exposed to all my accounts. On Monday, XX/XX/year>, I reached the local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I signed the form that declares I have no relation with the Iranian government, despite insisting on the receipt from the bank upon giving the asked document. The banker XXXX XXXX XXXX and XXXX XXXX XXXX XXXX refused. I was told within three days they remove the hold. Today on XX/XX/XXXX XXXX after XXXX days I referred to the Bank, the manager said they could not help me and her banker is on vacation. 
This situation posed by Wells Fargo cost me a lot of trouble, losing time and money in worth of {$2000.00}. I appreciate if you could follow up on my complaint. 
XXXX XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

Chase let someone hack my account and sent {$820.00} to an account at XXXX XXXX XXXX ( Phone # XXXX ). 
I Noticed it a few days later. I called them and told them I didn't make any transfers of any kind. They said they looked into my complaint and said it was legitimate. I told them it wasn't. I asked how the money was transfered they told me by a mobile device using XXXX mobile. 
I sent them my cell phone bill showing we use XXXX as our provider. They said it was still a legit transfer. 
I contacted XXXXXXXX XXXX and they sent me a letter stating that they do not have any individual accounts only business. They told me in the letter to give this to your bank to send us a hold harmless letter and they would return the funds. I contacted my bank, by phone and in person to give them the letter and was told they would reopen the claim. 
I called dozens of times over 3 months and they kept telling me it wasn't in the system : give it another day '' then it takes them time to reopen etc. Then on XX/XX/XXXX when I called I was told I only had to XX/XX/XXXX to give them this info. They didn't even tell me where they sent the money until after that date. There was also another attempt to take funds out of that account, that I spotted and got them to cancel, they did nothing to stop this theft from my account and kept saying it was legit. I think people that are working for them are stealing the money. I want to know how to get my money back from these thieves.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Colony Brands, Inc. (MO)

I'm viewing my current XXXX Credit Report. Under potentially negative acct activity Seventh avenue  opened a {$100.00} credit limit to me XX/XX/XXXX. I remember contacting them by phone no less than 3 times since to close the acct. I don't like their products nor price 's. I made a purchase XX/XX/XXXX, XXXX says 30 days past due, XXXX says 60 days past due, XXXX is green for paid in full. XXXX XXXX still says Inactive. They made inquiry for my information XXXX without my request. In the information given under terms it says I made {$96.00} as of XX/XX/XXXX but it was reported past due. It's not scheduled to go to a positive status until XX/XX/XXXX. I think I bought a couple sets of towels for each of my kids family 's for XXXX that year. I have a freeze now on my credit bureau accts. This info is on my XXXX printed copy of my credit report. I told Seventh avenue years ago I didn't want their credit offer. All they did was stop sending me the magazine. They had no right to inquire about my info last year.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WV)

I took out a school loan on XX/XX/year> for the amount of {$13000.00}. as of today I have paid back in interest {$15000.00} with an additional {$5600.00} in capitalized interest totaling {$20000.00}. I still have a balance of {$9700.00}. on top of that my interest rate sky rocketed from 6 % to 10.75 % in XXXX of XXXX doing the math i'm going to be paying back well over {$30000.00} for a loan that was only {$13000.00} to begin with. I feel like I was misled and my account was mishandled as far as paying back the loan and having the loan company auto allocate my founds.
Consumer complaint received 2024-07-28
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: Credit Karma (IN)

On XX/XX/year> I accessed the Credit Karma app using my XXXX and there was a credit card offer where Credit Karma claimed I had a 100 % chance of being approved, but on the off-chance I wasn't approved they would give me {$50.00} from their Credit Karma Guarantee . I applied for the XXXX XXXX and was denied. I reached out to customer service and their initial response advised it could be several days for the credit card lender to notify Credit Karma that I was denied and if I was eligible for the Cards Karma Guarantee, I would receive an automated email from Credit Karma. 

I reached back out on XX/XX/year> to customer service and this time they advised that I was eligible for the {$50.00} payment. The email response claims I would receive another email with steps on how to redeem the payment. 

I reached back out on XX/XX/year> asking about the email for the payment information and its as if I had never contacted customer service before. The new representative sent me an email with the same information the rep sent me back on XX/XX/year>. I responded to the new representative 's email with a screenshot from the XX/XX/year> and as of today have not heard back from anyone. 

With the way Credit Karma 's outsourced customer service representatives have treated me I think it would be safe to say the promise of a {$50.00} payment was simply to get more people to enter their personal information for them to have and did not ever intend to give anyone any money.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

On my credit card statement, a charge for almost {$300.00} for XXXX XXXX was on there. I disputed it. I did not make that purchase at all and dont have a XXXX. I thought it would be open and shut once they reached out but no, XXXX XXXX sent a phony pdf that says I picked up a guitar and I 100 % did NOT. Citi refuses to reverse it. I want proof I picked up a guitar like they said. I want my credit back, I did not make nor authorize that purchase.
Consumer complaint received 2024-10-04
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: PLANET HOME LENDING, LLC (AL)

Im writing to file a complaint against Planet Home Lending because theyre incorrectly reporting late payment to the credit bureaus while Im enrolled in a XXXX recovery modification plan. This is unfair and has seriously impacted my credit, despite the fact that Ive been following all the terms of the agreement. 

Details of the Issue : Loan Servicer : Planet Home Lending Date of Enrollment in XXXX Recovery Modification : XX/XX/year> What Happened : I signed up for a XXXX recovery modification with Planet Home Lending on XX/XX/year>. Since then, Ive made every payment according to the plans terms. I was told that as long as I made these payments, my account would be reported as " current. '' But Planet Home Lending is still reporting late payments to XXXX, XXXX, and XXXX, which is unfair and hurting my credit score. 
Documentation I Have : A copy of my XXXX recovery modification agreement. 
Payment receipts that show Ive paid on time, according to the agreement. 
A copy of my recent credit report showing the incorrect late payment entries. 
What I Want : I need the CFPBs help to get Planet Home Lending to fix this. I want them to update my account status to " current '' on all credit reports and stop reporting these late payments. I also want an explanation from them about why this happened and a guarantee that they wont do it again. 

This has caused me a lot of stress and financial problems, and its affecting my ability to get credit. I need this resolved quickly so I can move forward without this hanging over me. 

Thank you for looking into this and helping me get this resolved
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (WA)

XXXX Fortiva Credit card closed my account and my charges were declined. 
XXXX I called Fortiva via their 800 number and found out the account was closed and the representative did not know why. 
XXXX I called Fortiva fraud department and they would not disclose why it was closed. 
XXXX I receive a letter stating the account was closed due to " Unexpected account activity '' What does unexpected account activity mean? I paid off my account monthly. This is probably happening to others by this credit card company.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/scrub>XXXX XXXX XXXX  The Lender/Entity Known As JPMorgan Chase Bank took it upon themselves to close my Business Checking Banking Account without Any Notice or Explanation I have had funds lost over this matter in the amount of XXXX, XXXX held in a account that was supposed to be closed and mailed out in a check in the amount of XXXX several months ago! I have called the company repeatedly month after month and been lied to by managers and representatives transferring me between different Representatives and branches of the company telling me my final check for XXXX would be mailed out at the end of XXXX After the review of my account was completed the review has been made and the account has still been in a suspension status past the time they told me the investigation would've completed and check be mailed out!
Consumer complaint received 2024-08-06
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of Identity Theft. Information about the Transactions and the Relationships between each Lender and myself the consumer has been shared with 3rd parties ( Credit Bureaus ) without my consent. 15U.S.C. 1881a ( 2 ) ( A ) ( i ) ( B ) My right to OPT OUT of sharing personal information was Never conspicuously explained to me in the INITIAL Contract agreement. As per 15U.S.C.1681a4 Violation of 15U.S.C. 1581C ; PERMISSIBLE PURPOSE has occurred with each company I have and am currently dealing with. I have resended my consent and have OPTED OUT of 3rd party sharing, as is my RIGHT TO PRIVACY.

Violation of 15U.S.C.6802 OBLIGATIONS concerning Disclosure of Personal Information is occurring as well as TX Law 4848 Stat 112 CIVIL NONCOMPLIANCE. 
I have sent letters to each company and the Credit Bureaus and some of the companies with little to no results. I have included an affidavit from XXXX with each company and a Police report file number.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},
Consumer complaint received 2024-08-07
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The XXXX XXXX XXXX XXXX, Equifax and XXXX are showing charge-offs on my account. The debt has been charged off by the original creditors which means that the debt has been paid and is considered income. I called numerous times and asked for my account to be updated because according to the IRS XXXX Internal Revenue Service ) Article, a charge-off is considered a certificate of indebtedness which means it is treated as income and income can't be reported on a consumer report and has to be removed off my credit report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.