davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, i use a charge card that payment is due in full end the end of the month, i have set a autopay for the full amount due to be charged at the due date, however in middle the billing cycle i was notified that a payment needs to be made to continue using the card. I had made XXXX payments of XXXX each, So my total payment due of XXXX was now reduced to XXXX, however the banks system is set that even if you made payments it is still charging the full amount due, so at the due date they took a payment of XXXX. So the total they charged me was XXXX. I called in that night to see what can be done here, Customer service had advised me to call my bank to reject the XXXX payment, and redo a manual payment of XXXX. I did that, however as soon as it came back the payment, the bank lowered my credit line, tried calling the bank right away, and they told me it's just temporary until the new payment clears the bank, after a few days i called again, spoke to a supervisor and was unwilling to help me or even listen what i had to say.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

according 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I want all negative account remove see all my attachments they are committed fraud in my credit there n law, fraud is intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right. Fraud can violate civil law or criminal law, or it may cause no loss of money, property, or legal right but still be an element of another civil or criminal wrong A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (WV)

On XX/XX/XXXX XXXX I attempted to use my Lowe 's Credit Card, the card was denied for an unknown reason. I call Synchony bank to resolve this issue and was told the only way I could do so was by submitting to a very invasive procdure where I was to take a video of myself on my camera phone along with a picture of the front and back of myd river 's license. 

I spoke to the supervisor at Synchony at length who refused to tell me if this data was being saved, how it was being used, or if it was being shared with partners. The supervisor refused to give me any information on how the data on how this very private information was being used and gave no other immediate option to use the card.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (NY)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need XXXX {$100.00} case number XXXX and XXXX {$100.00} case number XXXX my dispute is to be reopened because I didnt receive my order and I have called the dispute phone number at XXXX and press option XXXX to get to the department that handles XXXX department but they say they denied my XXXX disputes and I also called the customer support at wells fargo XXXX and I also asked them for an update on both disputes they also say it was both denied and I want y'all to reopen my disputes because I disagree with the decision and reinvestigation the XXXX disputes or open a new dispute for both disputes and investigate it or change the dispute so I can get my money back for both denied disputes or give me a credit for both denied disputes for {$100.00} and {$100.00} so a total of {$200.00} in credits I am asking for back my online bank username is XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX is and also XXXX Confirmation : XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (WA)

XXXX noticed a collection on my XXXX credit report from Transworld Systems ; stating I owed XXXX XXXX in XXXX GA {$1300.00}. I disputed the charge both with XXXX when site and Transworld Systems but as of yet no response and the collection is still on my credit report. I tried contacting XXXX which provided a rental history that states paid in full through end of XX/XX/year> ; but the company was sold to another XXXX XXXX who I contacted twice but no returned call. We left XXXX apts and paid in full on XX/XX/year>. Since that time we have not received any correspondence via email text phone or letter. So we had no idea they claim a balance due. I have sent a certified letter to XXXX XXXX but still no response.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (MI)

I WOUL DLIKE TO SEE THE UNAUTHORIZED HARD INQUIRIES BE REMOVE FROM MY CREDIT REPORT. EQUIFAX WAS ASKED BY ME TO DO SUCH ACTIVITY AND IT WAS REFUSED. THE FOLLOWING INQUIREIS ARE ADVANTAGE CREDIT ON XX/XX/year> AND CREDO ON XX/XX/year>.
Consumer complaint received 2022-03-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I received an alert from XXXX XXXX on XX/XX/22 about two inquiries. One was from XXXX XXXX and one was from XXXX XXXX. I contacted XXXX XXXX at XXXX XXXX and he said someone had submitted an application for auto financing online. The dealership is in IL and I am in TX, I did not apply for financing with them. He said he ran the application through XXXX XXXX as well. He canceled the application and advised me to dispute the inquiries. I disputed them and in less than 24 hours, I got a response from Equifax indicating the inquiries would be on my credit report for the next two years. This is unacceptable.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a XXXX of XXXX beautiful XXXX, and I have been married to my wife XXXX XXXX for XXXX years. We both work full time. 

I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XXXX which I was supposed to purchase after the lease ended which was going to be around XXXX. 

I had problems with the vehicle immediately. I even got stuck XXXX XXXX XXXX XXXXearly 3 times. XXXX XXXXme a XXXX XXXX XXXX had to get me off the road because I nearly got struck by a bus. 

They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. 

XXXX decided to send me {$3000.00} and offer me a CDI discount on my next vehicle to help offset all these issues. A CDI discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. 

After I returned the vehicle .... XXXX  decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called XXXX, which is nearly impossible to get a hold of. They told me numerous times that I had until XXXX to pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. 

I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. 

Last month XXXX sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. 

The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. 

XXXX weeks ago XXXX took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. 

Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. 


I have attached all documents to this email chain. 

XXXX. XXXX  contract. 
XXXX. Payments showing on time. 
XXXX. Documents showing lease paid in full. 
XXXX. Documents showing all the service records which show everything. 
XXXX. Documents showing XXXX ruined my credit. 
XXXX. Document showing I had to sign an agreement not to go after XXXX but I was forced to sign this, I had no choice.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (WA)

On XXXX XXXX 2024, I contacted Key Bank and discussed with a customer service agent named XXXX and an account supervisor named XXXX about my concerns regarding an XXXX XXXX XXXX XXXX  transaction that overdrew my checking account by {$240.00}. This includes the initial amount in dispute of {$160.00} plus overdraft fees. 

I originally notified Key Bank of a banking irregularity from an unscrupulous XXXX  at XXXX XXXX XXXX XXXX on XXXX XX/XX/year>2024, which the bank began processing on XXXX XX/XX/year>2024. Key Bank later denied the original banking dispute, claim number XXXX, and reversed its provisional credit on XXXX XX/XX/year>2024. Key Bank later added overdraft charges to the account. 

During the conversation thr account supervisor, who identified himself as XXXX, stonewalled me and stated the bank would not reinvestigate the situation. He wasted my time and insulted my intelligence with a phony offer that the Fraud Department within Key Bank would initiate a secondary investigation once I uploaded my information into their secure server. I immediately called out XXXX for gaslighting me and stated the XXXX XXXX XXXX XXXX XXXX XXXX twice pulled the money from my checking account and his their unscrupulous to behaviour behind the fee agreement to cover their tracks. 

XXXX XXXX XXXX XXXX presented this cover story during the initial investigation to Key Bank in order to shift both the blame and cost onto me. Since XXXX XXXX XXXX XXXX provides financial services to banks, its representatives can easily convince other financial institutions to drop banking investigations. XXXX XXXX XXXX XXXX operates under the " caveat emptor '' philosophy and refuses to accept any responsibility for unscrupulous XXXX XXXX that take money from their clients. 

Furthermore, a XXXX dynamic presents itself because Key Bank readily sided with XXXX XXXX XXXX XXXX and reversed provisional credit of a XXXX American client. Key Bank refuses to reopen and reinvestigate the issue, and none of its representatives will provide any reason for said refusal. Moreover, Key Bank added on punitive fees in because a XXXX American complained to one financial institution about unsavoury business practices of another. Key Bank also sent an email that threatened to close the account and report it to XXXX in direct retaliation for reporting on XXXX XXXX  XXXX XXXX and demanding that it reinvestigate my earlier claim. Key Bank punished me financially for calling out XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NM)

On XX/XX/year>, my Care Credit Card suddenly charged me with a {$1700.00} " deferred '' interest charge. I have never signed up for a deferred interest payment and was never made aware of this program at any time. I contacted the company through their online customer service chat option and spoke with XXXX asking him why was I charged such a massive interest rate and that I never signed up or was made aware of this deferred interest rate program. I told him I thought their business ethics were unethical and quite likely illegal. I requested that they reverse the interest charges to which he declined. I then asked him to show me some form of proof that I was given information or made aware of the deferred interest program for which he said, we do not have proof. I told him that until they can show me proof that I believe that they are trying to cheat me, a reliable customer of ten years who has never made any late payments and has consistently paid on time and always above the minimum payment. We went back and forth and I kept demanding proof that I knew about the deferred interest and to show me where I signed for it. And then he promptly shut me down and closed the conversation.
Consumer complaint received 2024-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (GA)

According to a CFPB boleting, effective XX/XX/year>, XXXX and XXXX will also no longer include medical collection debt under at least {$500.00} on credit reports. I have made a payment, and it's still showing an incorrect balance ; still showing on my credit.
Consumer complaint received 2024-06-12
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. (FL)

i was attempting to get a new house and there are several collections and closed accounts being reported on my credit report that are unauthorized without my permission. according to law 15 U.S.C 1681 the collections are contributing to XXXX  of my character.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

XX/XX/year> NOTICE OF DISPUTE NOTICE : Immediate Verification of Alleged Debt under oath Required NOTICE to : CEO and CFO and Legal Compliance Department I am a federally protected consumer, a natural person under the Fair Debt Collection Practices Act pursuant to 15 USC 1692a ( 3 ) and I hereby demand prompt verification of the alleged debt under oath to lawfully verify documents as factual evidence.

Provide irrefutable evidence of its authenticity, legitimacy and alleged debt origin including but not limited to ; 1. A signed Original Agreement with both parties ( Myself & Credence Resource Management Signature showing meeting of the minds.

2. Full disclosure of Credence Resource Management PURCHASE AGREEMENT regarding collection of alleged debt.

3. Full disclosure of accurate numerical breakdown from zero to current alleged owed.

4. Confirmation of the statute of limitations.

5. Provide proof that Credence Resource Management can legally collect in the state of Florida by providing authenticated proof of company license number to do business in the state of Florida and is the holder in due course.

I am demanding Credence Resource Management Pursuant to 15 USC 1692 ( g ) ( b ) to cease all collection activities until lawful verification under oath is provided to avoid violating my consumer protection rights. A timely response within 30 days is expected, in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Act ( CFPA ).

Please note the only convenient way to contact me is via email Pursuant to15 USC 1692c ( a ) ( 1 ). See email address XXXX. Failure to comply may result in legal action to protect my consumer rights. 
Sincerely, XXXX
Consumer complaint received 2024-06-12
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. (FL)

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 2024-06-25
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: EQUIFAX, INC. (OH)

I am writing to formally dispute several inquiries that have been reported on my credit file, which I believe to be unauthorized. These inquiries appear on my credit report and were not initiated or authorized by me.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (NJ)

Selene finance is duel tracking.I applied for loan assistance over 30 days ago and my sale date was postponed.. They stated that they have my file and its been reviewed. They stated nothing else was needed. Then they came back and stated that because of the NEW sale date that they will no longer review my file. How can they state One thing and then state another that contracdicts themselves. Per the consumer financial protection bureau that is considered dual tracking. My husband XXXX XXXX and I am in need of assistance for me and my children at this point this is completely unacceptable. They had more than enough time to review my file because they had already started the process. They need to be held accountable for the fact that they want to take the property, after he was already in review for assistance. 

Strong Protections for Struggling Borrowers The CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure. Borrowers shouldnt have to worry about mortgage servicers cutting corners or losing applications for relief. They should be told about their options and given time to apply and be considered for loan modifications and other alternatives. Most of all, they shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options. If they act diligently to seek alternatives, they should not face a foreclosure sale before their applications have been evaluated. The new protections for struggling borrowers include : Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.