davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This debt is fraudulent. I have never done business or contracted with Columbia debt recovery. I have never consented to them accessing or sharing of my personal or private information which they have obtained. This fraudulent reporting is damaging my personal and business credit and I intend to seek damages to the fullest extent of the law. This company was made aware prior to reporting this debt that it was fraudulent yet they maliciously reported it in an attempt to harass and annoy me into paying something not owed to them. No consent has be granted by me either written or verbally that gave them consent or authority to access or share my private or personal data. I rescind any implied or indirect consent to access my information.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

On XX/XX/XXXX2024 i applied for a student credit card with Discover but they kept requesting additional information from me before making a decision. On XX/XX/XXXX2024 they approved me for a {$1500.00} credit limit and on XX/XX/XXXX2024 i received an email from XXXX verification to consent for income verification. That same day they closed my account but i havent received my card yet. I received my card on XX/XX/XXXX2024 and tried to activate the card but couldnt so i gave customer service a cal only to find out it was closed. The agent told me to just reapply. I applied again on XX/XX/XXXX2024 and got approved again but only for {$1000.00}. That XXXX  i got an email to sign for consent to verify income. On Tuesday XX/XX/XXXX2024 the account was closed. I have customer service a call only to find out it was closed due to a secured account that was closed. I spoke with an agent and he stated the account was closed due to the relationship with the account from 2022. The account i just recently got approved for was a student card so Im not sure how the secured card and student card has a relationship.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

I purchased a small swimming pool related part from XXXX XXXX XXXX XXXX. The part was never delivered. So eventually I phoned and they credited us the price of {$6.00}. But the charge and credit kept recurring in the pending section of the account. Our credit card bank ( Chase Sapphire ) customer service refused to address the problem saying they can not do anything including blocking this merchant. I did not believe it. A supervisor supported the agent and then hung up on me. So we phoned back, got a different customer service representative who was much more helpful and sorted this out by connecting us to security to block this particular merchant. Chase needs much better quality control for its customer service. Customer service should have sent us to security the first time rather than state they can not block it.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

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

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (GA)

Last year I informed HONDA XXXX XXXX XXXX and the Assignee AMERICAN HONDA FINANCE CORP. of the excess fees added to the amount financed. Pursuant to 15 USC 1605 ( a ) " FINANCE CHARGE DEFINED '', the fees in question were to be part of the finance charge. By adding the fees to the amount financed, the price of the vehicle was inflated by almost {$5000.00}. They were informed on XX/XX/XXXX, XXXX XX/XX/XXXX. Neither, the dealership nor the assignee desired to fix the contract. On XX/XX/XXXX, I sent the assignee the demand for arbitration in accordance with the arbitration clause on my contract. Pursuant to contract clause, they're to pay the filing fees and any other fee associated with the arbitration. I've contacted the assignee a few times over the last month, and no one I've spoken with has access to that information. Attached to this claim, will be the demand for arbitration letter as well as the claim and payment history sent to the assignee. The arbitration claim, goes into detail of the numerous consumer, ucc, cfr, federal reserve operating circular, and state law violations. The claims were sent to XXXX.
Consumer complaint received 2024-07-13
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 violate 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.
Consumer complaint received 2024-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. This collection found within my XXXX XXXX  are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-08-19
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNCOAST CREDIT UNION (FL)

Between XX/XX/XXXX and XX/XX/XXXX I entered into XXXX different financial contracts with some Suncoast credit Union XXXX being a auto finance loan for my business, XXXX being a commercial credit card for my business the other being a revolving loan for my business, I entered all three contracts under the belief that I understood the nature of these contracts. Upon further investigation, I found out that there were certain financial aspects of the said contracts that I did not fully understand because certain financial aspects of said contracts were hidden. Number XXXX full disclosure, I was not actually told that my signature was going to create the credit for these contracts. Number XXXX, I did not understand that the bank brought fourth nothing of value to the table, which means they had no equal consideration. Upon Discovering this information I sent Suncoast credit Union XXXX different affidavits to resend each contract. These affidavits were fully ignored. I have now sent an affidavit of final notice as they have committed fraud in more than XXXX way under the uniform, commercial codes, and statues. They are in dishonor and I ask for the CFPB to help me have them uphold their legal obligations under the XXXX.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

I cant seem to understand why is this bank playing games with me and my money this is so unprofessional it has to literally be a joke I still cant access any of my funds even after receiving several emails saying that the restrictions were lifted off of my accounts just to receive a few more emails 2 minutes later saying that my account is back restricted. What games are Ally Bank playing with me? I need to take them to court this is outrageous I have {$80000.00} just up in the wind that I trusted banking with this company and they cant seem to explain to me whats going on when I call now theyre telling me that the systems are down call back in 24 hours hopefully the systems will be back working. This is insane I have a family you guys have no idea how nerve wrecking this is I am so stressed out behind this because Ive been robbed XXXX by a bank and cant have access to none of my money this XXXX I havent even been able to pay some of my bills due to this happening to me please can I receive some help my lawyer will be reaching out hopefully we can get this case up and going and I receive my money back Im praying
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Venmo Credit closed my account after stating I requested the closer. I never asked Venmo to do anything of the sort. The only time I spoke with an agent was to validate a charge, which took three separate calls. The final call I was rude and hung up the phone. This clearly was done for retaliation for hanging up and being rude. Since then I have requested my account to be reopened, and my request was denied. Clearly that agent closed my account without my consent. This will obviously hurt my credit. Highly unprofessional and needs to be addressed if possible.
Consumer complaint received 2024-08-03
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I was sent money to a money network card from XXXX that I waited XXXX days for and was never aware the money was there until I was emailed by XXXX a few days after the fact I check my money network account and it was XXXX with a transfer of every dime I was sent to another account. I never made a transfer. They tried to tell me today that it was transferred to an account ending in XXXX which isnt my last four. I have proof thats not my account. Ive been reading online that this has been happening to so many people with money network with someone transferring money out of their accounts. And I am not a victim and was denied my money back. I just had XXXX XXXXXXXX  I need my XXXX money I waited a month in a half for it on top of it XXXX didnt notify me of payment til XXXX ( attachment added ) my deposit was on the XXXX in the middle of the night is when it was stolen. So I didnt noticed til the XXXX the day of the notification I received thru email
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TN)

I acquired an XXXX account through my XXXX  in XXXX. There was a 24 month promotional interest free period and I paid the required amount every month. On XX/XX/XXXX, the promotion expired. I was not aware but the balance was approximately {$2100.00}. I saw my balance today and saw they charged {$3800.00} of interest on that {$2100.00} balance. I called immediately and was told the interest was over 2,000 % and they could not allow me to pay the {$2100.00} today on XXXX XXXX to alleviate the interest. I am devestated about this as my credit is stellar and I am normally very observant on interest rates and timely payments but as a teacher, I know I can not and will not tolerate this travesty of consumers. 2100 % is CRAZY!!! Please tell me my options besides not paying as I have never not paid my debts but I would sacrifice my credit for this principle. Please help me. At the very least, warn others.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Creditor is KNOWINGLY reporting an account XXXX XXXX XXXX XXXX that is incaccurate. I will dispute this until this is addressed or I will file a complaint with FTC and State Attorney General.

I have reached out about the account the creditor is reporting the address on this account that does not belong to me, this is also being reported as a debt that was paid as company cancled debt with 1099c and the debt was reported as taxable income and paid on my tax return there fore this is not a debt. 

The credit agency refuses to disclose whether they validated the information by performing an investigation I was told they do not have to validate the information as long as creditor reorts the debt This is a direct violation of my rights
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-03-09
Product: Mortgage — VA mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Freedom Mortgage Company (VA)

Since about 6 months before Freedom Mortgage purchased our loan from the previous servicing company XXXX XXXX, we have been inundated with mailings for refinancing to ARM loans and once we read further into Freedom Mortgage practices we discovered that their practice of not reporting on time payments will affect our credit negatively and their online customer service is non operable and there is a {$15.00} fee for over the phone customer support. This is the epitome of a predatory company!
Consumer complaint received 2024-07-30
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. (GA)

I am the author of this complaint and I notice some collections and charged off student loan accounts that are reporting unlawfully. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Upon researching and learning about this Act, these student loan accounts should be removed XXXX. XXXX XXXX. XXXX
Consumer complaint received 2023-11-16
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: Experian Information Solutions Inc. (OH)

This marks the fourth time I am submitting a complaint, and I am following up to address the upcoming credit report update within the next 15 days. While I am grateful for the efforts made to remove some inquiries from my file related to the alleged identity theft, there are still remaining items that require attention. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report, specifically # XXXX. I would like to emphasize that the items in question are not associated with any transactions for goods, services, or money that I have either made or authorized. Therefore, I kindly request the removal of the following items from my credit file : EXPERIAN : 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
Consumer complaint received 2024-08-02
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: JPMORGAN CHASE & CO. (CA)

I added a Chase Offer to my credit card ending in XXXX. The offer required me to spend at least {$1000.00} on XXXX products, and in return, I would receive a statement credit for {$100.00}. I met these conditions and Chase did not provide the credit. I contacted them about it and they said I did not meet the terms of the offer, so they will not provide the credit. I asked for more details about why I did not meet the terms of the offer, and they did not respond.
Consumer complaint received 2023-11-16
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be block and remove from my credit : 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 XXXXiry
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AR)

I have a random late payment showing up on XXXX different accounts. I have tried disputing with the bureaus and have not heard back from them about the results but the late payments are still showing up on my reports. Please help me in getting the late removed from my account. I've been set up on auto payment with both accounts and should have no late payments. Thanks
Consumer complaint received 2022-11-27
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: 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. 

Account name : XXXXXXXX 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 XXXXXXXX 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 2024-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (TX)

NAVY FEDERAL CR UN on XX/XX/year> I sent off a letter regarding account {$21000.00} that was a charge off and inaccurate account. XXXX XXXX called several times nonstop regarding the same account I requested a XXXX statement letter stating this charge off is paid XXXX XXXX XXXX XXXX XXXX {$8800.00} same for this company. Still no XXXX statement I sent letters to each company and credit bureau who filed to remove it. They stated the amount and account was verified.