davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I have store credit cards from Synchrony Bank for Lowes and Sam 's Club. I also have a consumer credit loan for an HVAC system from XXXX XXXX in XXXX, TN also through Synchrony Bank. Synchrony has started charging {$1.00} per month to send paper bills. This was not the case when I initiated the credit requests with Lowes, Sam 's Club and XXXX. Synchrony gave a no charge option if one opted to use paperless billing but that requires much more vigilance to ensure an email is not missed possibly resulting in a late or missed payment. A late or missed payment allows Synchrony Bank to apply late fees and also triggers a substantial increase in interest rates they can charge. The {$1.00} monthly fee will generate millions of dollars in revenue for Synchrony but that pales in comparison to the interest income generated by higher interest rates being charged. I can simply avoid the issue by not using the Lowe 's or Sam 's Club cards but the HVAC loan is at XXXX percent over 10 years. This seems like a no-lose deal for Synchrony and a no-win for the consumer and I think it should be illegal for Synchrony Bank to start charging this fee after the fact.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>2024 I deposited {$1200.00} at a Chase ATM, but it ate {$500.00} and only credited {$770.00} to my account. I went inside the bank and was told by XXXX of the tellers that at the end of the day a technician would count the money from the ATM and they would be able to find out if there was an overage. He also told me to call customer service to report the incident. I called right away and explained what have happened and gave them all the information that was on the transactions receipt. They refunded my account with {$500.00} on that same day, but to my surprise, XXXX weeks after, Chase reverse that transaction and debited the {$500.00} from my checking account. They never called nor did they sent a letter explaining what the resolution was. I called customer service and was told that they did not find that ATM to have an overage. They said it took them XXXX weeks to make their investigations, when I was told at the branch that they would know by the end of the day.
Consumer complaint received 2024-08-25
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: Early Warning Services, LLC (PA)

My information was disclosed/Shared to a third party without my permissible purpose or written/verbal consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! My Financial information was shared with Early Warning Services without My Consent. I do not want any of my financial information about my checking account shared with early warning systems in anyway.

15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to reporting agencies ) the financial institution and the Consumer reporting agency EARLY WARNING SERVICES do not have my consent to furnish this information and they surely do not have my written consent. 
15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law
Consumer complaint received 2024-08-25
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 (CA)

click improper use of your report IAW the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

3 withdrawals from my checking using my ATM card we're not me and Chase says they will not pay because it was from an ATM. From what I understand they must pay. 

These are the transactions : XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$160.00} I contacted the bank on the XX/XX/XXXX. They sent a letter saying they don't pay a day later. ( Note Chase did not get my complaint right and left off {$160.00} on XX/XX/XXXX.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

When I opened my checking account the bank promoted {$300.00} if I have {$1500.00} direct deposit through XXXX  days After I had more than {$4000.00} direct deposit through XXXX  days the bank didnt pay me the {$300.00} and closed my account with no reason
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Breaches and Authority I requested proof of the original and current " statement '' and any and all proof there has been a charge off, or not. No statement was provided and no proof of the actual charge off was provided by XXXX XXXX XXXX XXXX. Per FCRA, as a federally protected Consumer, I have and am opting out of any and all authorization, I the Consumer, may have given XXXX XXXX XXXX XXXX, and all three credit bureaus. either knowingly or unknowingly, either verbal or non verbal, written or unwritten, per 15 U.C.S. 6802. 

Additionally, XXXX has indeed declared this auto loan a charge off, and per I.R. Code 61 ( a ) 12, when there is a charge for any indebtedness, the indebtedness is considered income.

Finally, per 15 U.S.C 6801, it is illegal to report transaction history, in accordance with the Privacy Act of 1974.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

BELOW IS THE ONLINE INFORMATION SUBMITTED TODAY ALONG WITH UPLOADS. 

XX/XX/XXXX RE : MIDLAND FUNDING CLAIM FOR TWO XXXX XXXX XXXX XXXX DEBTS To Whom It May Concern : This filing explains Midland Funding, LLC purchase and collection on my two XXXX XXXX XXXX XXXXXXXX debts. As you know, they have a history of ongoing lawsuits. For example, in XXXX, Midland Funding was found in violation of the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
Basically, in XX/XX/XXXX this debt collector forced me to pay them {$2400.00} in order to avoid them from garnishing my salary. Attached is my XXXX Credit Report document showing this 1 ) date ; and, 2 ) amount paid to Midland Funding. In addition, they paid the {$10.00} cost to file several false Writ of Garnishment judgment claims at the XXXXXXXX XXXX XXXX XXXX. See Doc A & chart below : Instrument no. Book no. Page no. by Midland Funding, LLC amount XXXX XXXX XXXX {$4800.00} plus interest XXXX XXXX XXXX {$4200.00} plus interest XXXX XXXX XXXX THE PROBLEM : I paid XXXX XXXX XXXXXXXX debts XXXX XXXX XXXX XXXX XXXX ) for monthly ( for years ). Then, on XX/XX/XXXX, they approved a settlement payment with me. See attached. Regardless, Midland Funding, LLC ignored my paid status. Continuously, they harassed me at home and work with calls, letters and threats. Finally, their stressful attacks on my workplace character ; & garnishment threats caused me to pay them {$2400.00}. Primarily, to protect my job, peace, income, character ( Doc B ). 

BANK ACCOUNT NO. BALANCE SETTLEMENT APPROVED DATE [ XXXX XXXX XXXX ] ( price paid in full as agreed XXXX XXXX XXXX XXXX XXXXXXXX {$4600.00} {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5700.00} {$870.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  : Attached find the two ( 2 XXXX XXXX  XXXX XXXX settlement letters ( dated XX/XX/XXXX ) both PIF. See Doc C & D. Also, see attached XXXX XXXX XXXX showing XXXX XXXX XXXX with XXXX XXXX  XXXX account XXXX ( above ) ID Status : as PAID IN SETTLEMENT and Creditors Statement : Account legally paid in full for less than full balance. ( See Doc E ).
Consumer complaint received 2023-06-27
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. (FL)

In reference to : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX My account was marked late in the month of XXXX and this is preventing me from buying a home. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 US Code 1681 Section 602, this law states that I have a right to privacy. Under 15 US Code 1681 Section 604.A.2, this states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code 1666.B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { American Honda Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX } { XX/XX/year> } I have been with ( American Honda Finance ) for a long time, and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of ( American Honda Finance ) and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/ never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you.
Consumer complaint received 2024-08-25
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: OneMain Finance Corporation (FL)

I cosigned a car loan for my XXXX to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.
Consumer complaint received 2024-08-25
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: Southern Auto Finance Co (FL)

I cosigned a car loan for my husband to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a id theft victim. i would like these following accounts removed from my file asap XXXXXXXX XXXX acc numbers XXXX XXXX balance {$4900.00} not my account XXXX XXXX XXXX XXXX acc numbers XXXX XXXX balance {$21000.00} XXXX XXXX acc number XXXX balannce {$590.00} not my account XXXX XXXXXXXX acc number XXXX balance {$2300.00} not my account XXXX XXXXXXXX acc number XXXX balance {$12000.00} XXXX XXXX XXXX acc number XXXX balance {$4900.00}
Consumer complaint received 2024-08-24
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: Affirm Holdings, Inc (CA)

Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 Violations : Affirm has filed incorrect information to credit bureau, reported as derogatory outstanding late debt. 
Affirm Failed to update or correct my credit information on paid in full debt -the debt I initiated a full dispute and requested investigation on. 
Affirm did not do anything to help me resolve this. They refused to dispute my ticket purchase and refused my request for investigation. 
Affirm Continues to report disputed debt without noting its disputed status. 

On XX/XX/2023, I purchased XXXX concert tickets online through Event Tickets ( XXXX # XXXX ) for a total of {$550.00}, paid via Affirm. When I arrived at the will-call window at XXXX XXXX XXXX XXXX was informed that the tickets I bought were not legitimate. I had no choice but to purchase XXXX more tickets directly from XXXX XXXX to attend the concert. 

Afterward, I contacted Event Tickets for a refund, but they gave me the runaround. I then reached out to Affirm to dispute the charges, but they refused to assist and told me that XXXX XXXX needed to contact them directly. XXXX XXXX, however, declined to get involved. 

I'm extremely disappointed with how Affirm handled this situation. Not only did they fail to help me resolve the issue, but they also reported XXXX late payments on my credit report, which I'm still fighting to have removed. I ended up paying off the balance in full to avoid further damage to my credit. 

Both Affirm and Event Tickets have shown poor business practices, and they have permanently lost my business. I believe Affirm should be held accountable for their actions, and they could potentially face legal action for their handling of this matter.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in according with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting angency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (SC)

I have attached a copy of my consumer credit report I don't recognize accounts collections as a result of identity theft and fraud. per acct ref identity theft XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$35000.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau XXXX XXXX XXXX XXXX Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX Code : XXXX XXXX XXXX Account XXXX XXXX XXXX Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5800.00}
Consumer complaint received 2024-08-24
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: LEXISNEXIS (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 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

My Marcus by Goldman Sachs online savings account has been locked for more than 1 month WITHOUT my permission, even though I have followed all the instructions from the company to verify my phone, verify my identify ( every single time when I call customer service ), send out notarized Affidavit of Identity form, spend hours with customer service with agents who rudely hung up my calls. 

I opened the account ( account number XXXX ) XX/XX/2023, and have made several deposits smoothly throughout the year without issues. When I tried to transfer money out XX/XX/XXXX to my linked BOA account, transaction was reversed XX/XX/XXXX, and then the account was later locked. I contacted customer service immediately to address the issue and they kept saying my phone number is not mine. This is the first time ever I encounter phone number related issue because this IS my number, and all my IDs, banks, work, insurance, address are using this phone number with no issue. From XX/XX/XXXX to XX/XX/XXXX, I have followed all their instructions to verify my identity ( again and again when I call customer service, and I answer all questions right ), including receiving an Affidavit of Identity ( XX/XX/XXXX ) from the company, getting it notarized using my U.S. issued ID ( XX/XX/XXXX ), sending this notarized form out ( XX/XX/XXXX ) ( original copy, original stamp, everything is original ) and having it delivered ( XX/XX/XXXX ). I called XX/XX/XXXX and was confirmed that they received the form and were reviewing it. They said the review process takes XXXX business days. I didn't hear back ANYTHING during the time frame, and I called XX/XX/XXXX which was already beyond the timeline, they said there is no update, and asked me to wait. I asked them to provide a timeline, and no timeline was provided. They refused to provide any explanation why they are still reviewing, and no expected timeline when I can have access to my own money. 

This is the second complaint I submitted to address the same issue, because the company further prolong the process after the first complaint, and still requested to close the first complaint. The whole " phone number not yours '' security concern is a scheme to get hold of clients ' personal funds without permission. I need my account unlocked and my money back immediately.
Consumer complaint received 2024-10-28
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.