davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (GA)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (DE)

I pulled a recent copy of my consumer report and noticed that your agency is furnishing inaccurate information. According to the Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with the Fair Debt Collection Practices Act and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 U.S.C 1692b ( 2 ) - by stating that the consumer owes any debt.

2. 15 U.S.C 1692c ( a ) - communicating with me without my prior consent 3. 15 U.S.C 1692d - engaging in conduct that is harassing to the consumer in connection with the attempts to collect a debt.

4. 15 U.S.C 1692 ( a ) - invading the consumer 's privacy 5. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

6. 15 U.S.C 1692e ( 10 ) - using false and deceptive means to collect an alleged debt.

7. 15 U.S.C 1692e ( 6 ) ( B ) - false representation or implication that a sale, referral or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by the Fair Debt Collection Practices Act.

The following account needs to be removed from my consumer reports immediately : 1. LVNV Funding Date Opened : XX/XX/XXXXXX/XX/XXXX Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

This account is invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

CITICARDS CBNA XXXX
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Dave Operating, LLC (FL)

On Tuesday the XXXX of XXXX I sent an email to Dave revoking my ACH authorization and told them I revoked the ability for them to charge my debit card. I asked for an alternative payment method than auto charging my bank account. 

On Wednesday the XXXX an employee named XXXX emailed me back asking for more information from me. My address, birthday, last four of social and last four of my card I have linked to the account. I responded and never heard from him again. 

On Thursday the XXXX I finally found on the site where I could contact support since they bury any contact info behind an automated assistant bot. Talked with XXXX who kept asking me the same information of when I sent the request since apparently this all vanished into the ether. After getting upset I demanded again my debit card and ACH authorization be revoked. They forgave my current outstanding balance and I assumed they obeyed my request. 

I was short my rent just a little so I borrowed {$40.00} from it.and learned real quick on the following Friday they still didnt obey my request. They withdrew money from my account this past Monday. So I had to turn around and request again so I could have gas for work since my new job doesnt pay me until the XXXX. Still looks like they ignored my request and Im sure theyll try again on Friday. 

Ive disputed this with my back and its gotten heated with Dave because its in their terms and conditions how to revoke the authorization and they do their best to ignore it and keep access to your bank account.
Consumer complaint received 2024-06-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KS)

Navient calls me about 7-10 times a day. I have tried to talk to them and explain I am in a financial hardship and I am struggling to even pay my bills. I have paid them before and put myself into financial struggle. My loan interest rates are XXXX, and 14 % and even when I do pay them interest builds that amount back the next day or two. They have contacted my family, my ex fianc and his sister. I want to report harassment, every time I talk to them I try to explain that I can not pay a lot right now and the payment is still $ XXXX a month.
Consumer complaint received 2024-06-20
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 (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Department, XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute the following inaccurate information on my credit report due to identity theft. According to 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days of receiving the dispute. It has been 30 days since I initially reported this issue, and you are now in violation of this law.

Please delete the following accounts immediately as they should not be reported on my consumer report : XXXX, XXXX, XXXX Accounts XXXX XXXX XXXX  Account XXXX Date open : XX/XX/XXXX ( please remove immediately ) CAPITAL ONE Account number XXXX Date opened : XX/XX/XXXX ( Please remove immediately ) Under 15 U.S. Code 1681b, consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have never given any written consent to report these inquiries, and their presence on my report is a violation of my rights as a federally protected consumer. 

As a consumer, I am demanding the immediate deletion of the accounts listed above. 

Please send me a confirmation of receipt of this letter and notification of the outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NV)

I put my taxes on paypal credit ... The amount was {$4500.00} ... I continued to make payments on it and was just hit with a 29 % interest charge {$710.00} ... I called and they said the promotion period was over and that's the interest rate. They are misleading and predatory and I want to dispute this charge. When I called they said can't waive or adjust it and that it was in T & C 's when I opened account. They don't advertise this and it's an absolutely ridiculous charge. They would not work with me on any solution.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FORD MOTOR CREDIT CO. (NY)

Paid {$57000.00} to Ford Motor credits with a balance of {$33.00} made by XXXX XXXX with ss # XXXX. Not reported to the three credits bureaus as a violation of Federal Truth In Credit Reporting Act, Federal Truth In Bill Payment, and FTC law as a neglect and breached of contract.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WSFS FINANCIAL CORPORATION (DE)

I was looking to purchase XXXX knives and I ended up on what I thought was the XXXX website which was actually XXXX. It was an exact mimic of the actual XXXX website which I had visited previously. On XX/XX/year>, I purchased XXXX knives totaling {$860.00}. I tried to use my credit card and for some reason the site would not take it so l used my debit card. After the purchase was made, I called my credit card company to find out why they would not authorize my transaction and they said it was a fraudulent transaction from a place in XXXX selling XXXX trying to put through the authorization. I immediately called my bank WSFS to cancel the debit card for the authorization. I immediately called my bank WSFS to cancel the debit card transaction. They said they could put in a dispute on it but could not cancel it right away, When WSFS Bank contacted me saying the transaction was from XXXX in XXXX I said that I did not authorize the transaction and a provisional credit was placed on my checking account on XX/XX/year>. I did receive the knives and there was a thumb XXXX missing so I emailed them and they did send a thumb XXXX but it was suspicious because it did not match the picture. The package came from the XXXX XXXX in XXXX address that I mentioned above. WSFS bank debited my account again for the {$860.00} on XXXX because I did authorize a transaction for this amount and received merchandise. After looking at these knives and ones I had purchased previously, I realized that these knives are counterfeit. Many of the features and hardware do not match the website photos on XXXX 's actual site. WSFS bank did not listen to me that this was a scam, when my credit card bank knew that it was fake, and let the company debit my checking account. I even received an email from XXXX saying that the money had been taken back from them by my bank and asking me to make another purchase on the site for that amount with the understanding that I would not receive merchandise for the purchase. I contacted WSFS Bank and they said that I will have to deal with the merchant. I sent an email to the email address that WSFS Bank had provided ( XXXX ) asking for an address to return their counterfeit merchandise to them. They asked me to send a copy of the packing box, the tracking number, and the merchandise. I have copies of both of these emails, too. I don't want these knives and I want my money back. I am disappointed especially with WSFS Bank since I have been their customer for XXXX years.
Consumer complaint received 2024-06-19
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: Kovo (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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/XXXX, my Victoria 's Secret account was paid in full and closed, with a final payment of {$170.00}. My balance is {$0.00}, and I don't owe and my credit report should have been updated as of XX/XX/XXXX. On my credit report the Department of Justice had an inquiry in regards to my account since is posted twice and why is it in collections if it was paid in full for the last payment in-house with Victoria 's Secret. This has harmed my employment qualification and will continue, it will prevent me from obtaining employment with government entities due to misinformation stating I owe and it's in collections. Below I have copied and pasted as it shows on my credit report for the Department of Justice pull credit report inquiry. 

XXXX responded with a letter of {$0.00} on XX/XX/XXXX, account ending in XXXX. 

CREDITOR : CB/VICSCRT ACCOUNT : AMOUNT : {$1200.00} BALANCE : {$0.00} XXXX XXXX XXXX XXXX INDIV ACC NARRATIVE 1-ACCOUNT CLOSED BY XXXX XXXX DATE REPORTED : XXXX DATE ASSIGNED XXXX XXXX ACTIVITY DATE XXXX XXXXXXXX  BALANCE DATE XXXX XXXX XXXX XXXX XXXX XXXX STATUS : CLOSED CREDITOR XXXX COMENITYBANK/VICTORIA ACCOUNT : XXXX XXXX XXXX XXXX} BALANCE XXXX XXXX DATE REPORTED : XXXX DATE ASSIGNED XXXX XXXX ACTIVITY DATE XXXX XXXX BALANCE DATE 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 SUBSCRIBER NAME XXXX XXXX DATE SUBSCRIBER NAMXXXX 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 INDIV ACC NARRATIVE 1-PAID CHARGE OFF NARRATIVE 2-ACCOUNT CHARGED TO PROFIT AND LOSS NARRATIVE 3-ACCOUNT CLOSED BY XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with XXXX, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. XXXX must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XXXX Last XXXX of social : XXXX
Consumer complaint received 2024-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (ID)

Recipient interest in purchasing furniture available on XXXX The perpetrator created a series of confirmation required to establish doing business with them via a commercial XXXX payment account. 
Through multiple emails, messaging and a phone call with a fake XXXX operator the establishment of ability to do business with this entity required temporary deposits for getting a refund, a corrected refund, an temporary insurance deposit to be refunded and finally a temporary deposit for certification that would also be refunded.

It was stated the last temporary deposit was the final transaction before a full refund would be issued until another notice was given that an additional {$1000.00}, totally refundable, was then required for a Government approval of the business transaction and after that the total deposits would be refunded.

After the last notice of an additional {$1000.00} being required I objected and pointed out that the previous deposit was described as the final requirement until it suddenly wasn't.

I demanded all of my funds be returned and I said I would not be depositing anymore money. 
I told them I would be contacting my bank and XXXX because this whole transaction must not be legitimate.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANDY SPRING BANCORP, INC. (VA)

Sandy Spring Bank locked my account and asked me to verify my identity by coming in person to the branch. Their branches are hours from where I live, and it is a big inconvenience for me to drive up there just for simple paper work, especially since I work full-time Monday - Friday. 

I contacted Sandy Spring Bank multiple times in early XXXX. I requested an alternative option. I said I can provide paperwork online through email or a secure portal. However, they refused and said I have to come in person. Then, I informed them it is a major inconvenience for me and requested that they close my checking account and cut me a check for the remaining balance of {$1000.00}. They said they can not do that, which is ridiculous. 

It has now been over 2 months. They have since kept my account locked and my money has been stuck.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated (VA)

During regular check of my credit reports I noticed Consumer Adjustment Company posted a derogatory collection account on XX/XX/year> collecting for cashnetusa. 
Multiple FCRA and FDCPA violations from Consumer Adjustment Company.

No idea who they are as I have had no communication or contact from them ever. 
XXXX account just suddenly appeared on credit reports with no chance to dispute. XXXX who they are trying to collect for is a internet lender that operates illegally in XXXX  that I have never dealt with. This information concerning Consumer Adjustment Company and XXXX is being reported to the XXXX  and XXXX  Attorney Generals offices along with the two previous CFPB complaints ( XXXX and XXXX ) concerning two other XXXX  debt collectors and XXXX  posting fraudulent illegal information on my credit reports.
Consumer complaint received 2024-06-19
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: CITIBANK, N.A. (FL)

XXXX reveals that I had a hard inquiry made on XX/XX/2024. I did not authorize any inquiry on that date to Citibank Best Buy and I called XXXX and they worked patiently with me on the phone with Citibank Best Buy, but we could not get to the right person to get this resolved Please assist in getting this removed from credit as soon as possible. This is the third fraud attack against my credit in the last 2 years please help
Consumer complaint received 2024-06-19
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: Affirm Holdings, Inc (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-05-13
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MN)

I moved from XXXX  to XXXX XXXX XXXX XXXX. Ever since coming out here I've had issues with XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and a hospitality service overcharging me thousands of dollars for something I never used. I'm a 80 % XXXX XXXX veteran. And all my money I get for that is being pulled from me. I bank with Chase bank and I've made disputes with them, but they hardly ever take down what I've told them on the phone. They hang up quite a bit without reason. They say their system never works. One day it took 6 hours for me to get to someone to help me at Chase bank to clear up an issue I was having. I feel I've been taken advantage of incredibly. Chase bank has made claims your money is always protected which it's not because they don't take down what you tell them about your claim.