davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (MS)

This complaint is regarding AVANT Credit Card issued by XXXX out of XXXX XXXX XXXX, Utah. 

I attempted to use my credit card today and it was denied. i was concerned because in XX/XX/XXXX, I received an email that I had a XXXX balance. The account has been at XXXX since XXXX as I have worked hard to reduce my debt ratio. I called today as I was planning on using the card at clothing store. It was denied. I paid in cash and immediately called concerning the credit card. I was verbally told that all accounts with " zero '' balances over 90 days are automatically closed. My balance is " zero '' since XXXX. I asked to have my account reopened and was told that i had to reapply. I explained that this would mean that there would be a new inquiry on an account that I opened XXXX  years ago and a hit to my XXXX XXXX. I had an established credit history and my score dropped XXXX points in XXXX and now I know why! 

She explained that it was in my customer agreement and that they didn't email about closing accounts. I told her that didn't make sense. She explained that I should read my card agreement. I explained that I couldn't access it online as my account is now closed. I asked for a supervisor and she explained the same with no written proof that this was indeed in my card holder agreement. 

She suggested I submit a complaint with AVANT. I told her that I was not. What is the point if I have to reapply for a credit limit that would likely be less that my original card.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$57.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SoLo Funds Inc. (TX)

I started using SOLO Funds last year it went well, till one of my loans defaulted. Im now 230 days overdue and I havent heard anything back to when Id receive my lost funds back. I understand theyre under investigation now and are now really just avoiding the complaints through the app. This is ridiculous though my hard earned money that was sent out to collections on day 90 itll be a year pretty soon and nothing. I just hope when that when the lawsuit goes through I get my rightful compensation from this company, maybe bit more for the amount of stress it ensued on my mental health. Thats money I couldve had back to help me bills and other things.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Multiple transactions were made on my card my card was stolen and used {$390.00} capital one is refusing to return my money they keep saying XXXX business days then when the XXXX business days comes and gos they say another XXXX business days I need my money my power is off and I have XXXX child In my home and I need my money returned to me!
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/year> I had mailed Equifax a letter to dispute inaccuracies in my consumer credit report that Equifax has/is reporting. I informed Equifax that they were/are violating my legal rights by the Fair Credit Reporting Act by reporting false information that is damaging to my consumer credit profile. Since Equifax has continued to violate my rights and I will support this with proof, I am asking for these accounts to be removed completely from my credit report as they are no longer credible
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (AZ)

I received notice from a place called Brittany and Gaines garnishing my wages. 
The legal document has my name on it. 
But the name and last known mailing address are not mine. 
I have never heard of XXXX XXXX XXXX and I have never ever lived at or even heard of the last known mailing address listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX. 
I do not know who or where that is. 
I have owned my home and lived there for more than 20 years and that is not nor has ever been my address.
Consumer complaint received 2024-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Commencing on or about XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my PayPal account to fraudulent investment firm ( s ).
Consumer complaint received 2024-08-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I have tried to arrange payment arrangements with Navient and when I explained to them I would not be able to pay the amount they are asking. They then the representative follow up with well what can you pay, I give them the amount and they tell me thats not good enough and that I have to pay the amount originally given and that they dont have any other option. Navient has advised that I ask the consigner for help and Ive expressed to them for that he has passed away. Therefore I asked for a misconduct discharge form being misled and they denied me the form. State I do not qualify when I feel like I do qualify.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (TN)

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX, using my TD BANK XXXX XXXX credit account. Phone was supposed to be delivered XX/XX/XXXX. Instead I get a delivery delayed notice. I contact XXXX and they tell me they will not ship the phone because XXXXXXXX XXXX was not authorizing the transaction. I reached out to XXXXXXXX XXXX and waited in cues a total of over 6 hours only to be hung up on 2 times. I also emailed their listed customer service department seeking help, because once I logged into my account not only did I find that they did authorize the transaction on XX/XX/XXXX, they authorized it again on XX/XX/XXXX. My current card balance is sitting at double, so {$2400.00}. But even with proof that the transaction is complete, XXXX is not releasing the product I was charged for twice.
Consumer complaint received 2024-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

Company : Credit Collection Servic Account Information : - Account type : Collection account - Account status : Open - Individual Account - Remarks : Account information disputed by consumer, meets FCRA requirements- Original creditor : XXXX - Opened : XX/XX/XXXX ( 1 year, 9 months ) - Last reported : XX/XX/XXXX - Balance : {$120.00} Complaint : I am writing to dispute the collection account reported by Credit Collection Servic. The account contains multiple errors and violations of the Fair Credit Reporting Act ( FCRA ). Specifically : - The debt is not mine, and I have already informed the creditor of this error. 
- The collection notices contain misleading and deceptive language. 
- The creditor has failed to provide accurate and complete information regarding the services rendered. 
- The creditor has failed to obtain my permission to list this debt on my credit report. 

I have tried to resolve this issue with the creditor, but they have refused to correct the errors. I am requesting that the CFPB assist me in resolving this matter and provide relief from the harm caused by the creditor 's actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK (TX)

I am writing to file a formal complaint against Discover Bank concerning their handling of fraudulent charges on my debit card. My account was charged {$170.00} for gasoline on XX/XX/XXXX, an amount that is not only incorrect but also implausible given the circumstances I will detail below. Despite my efforts to resolve this issue with Discover, their investigation was inadequate, and I believe they did not perform a thorough review, including failing to contact the merchant involved. 

On XX/XX/XXXX, I spoke with a night supervisor named XXXX XXXX in the XXXX call center. She informed me that Discover had completed their investigation on XX/XX/XXXX and decided against my favor. However, she could not confirm whether the investigator had contacted the merchant. She also mentioned that the debit card had a chip and was in my possession at the time of the fraudulent activity. This detail is irrelevant to the dispute 's substance, yet Discover used it as a basis to deny my claim. 

To provide context, my car was being repaired at the XXXX XXXX XXXX, and I was using a XXXX XXXX from XXXX an XXXX XXXX. Needing to fill up the gas before returning it, I went to a XXXX gas station in XXXX where the following occurred : 1-I initially entered my debit card and PIN at a pump but later realized it was a diesel pump, which my rental car can not use. 
2-Moving to another pump, I entered my debit card and PIN again and pumped {$8.00} worth of regular gas, but the fuel gauge did not move. 
3-Attempting a third transaction, my card was declined, and I was instructed to see the cashier. Inside, I requested {$15.00} worth of gas and entered my PIN once more. 

Later that day, I noticed a hold for a large amount on my card, which I assumed would be corrected. Instead, Discover processed a charge of {$170.00}. It is inconceivable that the XXXX XXXX, a vehicle with a moderate fuel tank, could take such a large amount of gas. I explained this to XXXX XXXX, but Discover still refused to issue a credit for the disputed amount. 

I believe that Discover 's investigation was flawed and did not include proper communication with the merchant. The resolution provided is unsatisfactory, and I seek your assistance to rectify this matter. I request that CFPB intervenes to ensure that Discover Bank conducts a thorough investigation, contacts the merchant, and credits my account for the disputed {$170.00}. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from all of my credit reports from all agencies effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 



Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2024-06-15
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)

am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had requested to close this account late last year. I assumed it was closed as per my conversation with the agent. Only to find that they had charged an Annual Membership Fee of {$39.00} on XX/XX/year>, after this agreement. This card has been inactive for years. No charges have been made for years. And I had thought my contacting an agent to confirm I wanted to cancel this card would be sufficient. However now I find that not only am I being charged for the Membership Fee, that is has also gained late fees and is being reported to the credit bureau, affecting my credit score and my ability to purchase a home. This is unbelievably unfair. It is deceptive. There is no principle balance to be collected. There have been no charges. I need help remedying this situation so that this does not prevent me from buying a new home.
Consumer complaint received 2024-04-18
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. (IN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-01-17
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. (GA)

I did not consent to authorize nor benefit from such account ( s ). These companies are commenting Securities Fraud by utilizing the securities and selling them on the secondary market without consent and ultimate commenting Securities Fraud and tax evasion.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I was charged a late fee based on interest when I thought the credit card for Maurices with Comenity bank was paid in full. Then they charged a late fee. I thought I then paid all of that and I didnt so another late fee was charged. I called and asked for the remaining to be waived of only {$34.00} the automated system waived {$15.00}. So I need {$19.00} waived. They have stated my account is now closed and they can not remove fees from a closed account. They are charging me a late fee from a late fee.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Bancorp North Carolina (NC)

I have been a member of First Bank for over 8 years. I am a XXXX  worker running a small XXXX XXXX North Carolina XXXX XXXX XXXX I was told by the XXXX over 2 years ago that I was enrolled in overdraft protection for up to XXXX XXXX dollars. I believed this to be a benefit for myself and my family. First Bank told me I could only use up to the allowed amount and every Friday my paycheck was deposited in my First Bank checking. I started noticing that my bank amount was not what I deposited and notified First Bank about my checking balance. I was told by the bank even though they covered me up to XXXX XXXX dollars, I was being charged XXXX for each transaction that they covered me for. Some week I would have over XXXX dollars in overdraft fees. 
I have provided some documents that show how much I was charged weekly. 
I made many attempts to speak with a representative at First Bank but no one would assist me in explaining what was happening with my money. I called First Bank corporate and they stated they could not refund the fees charged to me. 
These are some of the fees that I incurreXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more fees attached in documents below.l
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (CA)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.