davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I called because I was not able to make my XXXX payment and I called before and they told me that they couldn't help me so I called back because my bank statement still said if you can't make your payment call us before XX/XX/XXXX for assistance so I called the number back and I talked to a XXXX there in he said the XXXX XXXX XXXX any credit card department and he said his employee number was XXXX then he took my whole entire credit card number from me after he said he was already in my account and that I had a credit card for ending in XXXX and I told him I had no credit card in that so he asked me for my full credit card number so I gave it to him and then he said he couldn't access that information so I need to give him my father 's credit card number and I said I hung up on them and I tried to contact XXXX 's fraud department but it's not I don't know how to there's no number it says have you lost money and I don't know if I have lost money or not I haven't been able to go over all my statements so I didn't want to say yes if I hadn't lost money but he does have my whole credit card number
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (TX)

I have recently come across information from the Federal Trade Commission website, more specifically The Gramm-Leach Bliley Act 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Notice and Requirements, except as otherwise provided in the sub-chapter, a financial institution may not directly or through any affiliate disclosed to a non-affiliated third party. In general, a financial institution may not disclose non-public personal information to a non-affiliated third party unless : A ) Such financial institution clearly and conspicuously disclosed 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.

B ) The consumer is giving the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. 

C ) The consumer is giving an explanation of how the consumer can exercise the non- disclosed option. 

Discover Bank did not disclose this information to me that is required by LAW. Discover Bank knowingly and willfully withheld pertinent information regarding the disclosure of my information to an affiliated and non-affiliated third party Discover Bank knowingly and willfully withheld information that explained how I, the consumer, can exercise that non-disclosure option. 

You are in direct violation of several federal laws. 

You have 10 calendar days from the receipt of this letter to DELETE this account from all credit reporting agencies that you have furnished this information to, along with all my consumer reports that this information is on.
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (MS)

I call it my bank because I wanted to discharge the debt but then they told me I couldn't discharge the debt on top of that I noticed that my interest rate went up 10 points. The interest rate went to 6.35 % to 16.35 %. They told me the reason why my interest rate window is because they couldn't find my title which eye by hand did everything for them and the whole banking and refinancing process because they were entirely too incompetent to do it on their own so I walked in through the step-by-step process on how to refinance a vehicle and I took the check to the other bank myselfThey told me the reason why my interest rate window is because they couldn't find my title which eye by hand did everything for them and the whole banking and refinancing process because they were entirely too incompetent to do it on their own so I walked in through the step-by-step process on how to refinance a vehicle and I took the check to the other bank myself. And now they're punishing me by overcharging me with interest and then they charge me twice a month for payments. I tried to discharge the debt and they disagree with me and said no I can not discharge my debt and pay it off. I feel I have been treated very badly and disgustingly by this federal institution and I need help with my situation.
Consumer complaint received 2024-06-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (TX)

On XX/XX/XXXX, my wife and I scheduled two payments with Conn 's Home Plus to pay-off the remaining balance of an appliance that we financed to avoid interest fees. Up until this point, we used our shared checking account to make regular monthly payments. However, on XX/XX/XXXX we scheduled two payments using our personal credit cards as to avoid spending {$1500.00} in cash. My wife scheduled her payment for XX/XX/XXXX in the amount of {$770.00} using her personal credit card. I scheduled a payment for XX/XX/XXXX in the amount {$770.00} on my personal credit card. However, Conn 's charged two payments for the amount of {$770.00} each to our shared checking account. When we called customer service to explain to them that they had charged the payments to the wrong accounts, we were told that since we had made the payments online we would have had to authorized those payments to our shared checking account. We explained to them that what had prompted our call on XX/XX/XXXX was the fact that on XX/XX/XXXX Conn 's had charged {$770.00} to our shared checking account and there was a pending charge in the amount of {$770.00} on my wife 's credit card. There was also pending transaction on our shared checking account for {$770.00} on XX/XX/XXXX. Further, on XX/XX/XXXX there was a charge to my personal credit card for the amount of {$770.00}. In effect, we have been charged an additional {$770.00} that would have been an additional {$1500.00} had my wife not be able to stop the payment on her credit card. Conn 's actions have caused me financial injury beyond the additional {$770.00} that they are currently holding. We are being told that we must wait for a refund request to be reviewed and approved, and if approved that they will mail a check somewhere between 5-10 business days. They are basically holding our money in escrow without permission and depriving use of our ability to use those funds without paying interest.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NJ)

I closed a credit card account with US bank after redeeming the rewards, the officer who closed the account confirmed that there wont be any issue while redemption of points and credit balance refund, however till date the bank did not issued the refund and every time I call them, they give me a response that the account is under review. While the account was XXXX balance as per the last statement, not sure what the bank is reviewing for 4 weeks
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Good morning, my name is XXXX XXXX Citi Bank ( Account number XXXX ) I am reaching out regarding my blocked account with Citibank! I am a new member with Citibank. I recently made a deposit which was my government issue refund check which has been verified and cleared the next day and now all of a sudden my account is now blocked with all of my funds in my account!!! I have called relentlessly about this matter, and nothing has been done yet! I desperately need my money I have bills to pay! I need to know why my account was blocked! I need my money unlocked as soon as possible. If my account will not be unblocked, I will reach out and seek legal action! I have read numerous articles online with others dealing with the same issue! I was told to wait for a reference code to verify my identity. However, its been over two weeks, and I still have not received this mysterious reference code!
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX a tax refund check was deposited into the checking account. On XX/XX/XXXX the funds were cleared and I arrived to the bank to make a withdrawal. I was treated like a criminal, they asked me about the check that was deposited and also what the money I was withdrawing was going to be used for. I waited over an hour, they made me get on the phone with their fraud department and I was notified by them they have frozen my account and no longer want to have a business relationship with me. I feel this was done because of my circumstances and the area I live and bank in. I couldve believe I went to make a withdrawal and was denied and now I can not pay my bills and my money is being held hostage. Please help me.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

I was reviewing my credit reports and noticed a collections account being pursued by LVNV FUNDING LLC ( C/O Resurgent Capital Services ). I disputed this clam and received no response to my dispute but it is still showing as a collection on my credit reports Also, In regards to this claim, I have received no competent evidence that proves I owe any debt to LVNV FUNDING LLC ( C/O Resurgent Capital Services ). I will pay in full if there has been any signed original contract/agreement between myself and LVNV FUNDING LLC ( C/O Resurgent Capital Services ) that provided me consideration for their claim to be enforceable. Also, under Florida State law this constitutes fraud, which is a felony. My rights to privacy have been been breached ( pursuant to 15 USC 1692 ), causing me harm, abuse and mental anguish. I gave LVNV FUNDING LLC ( C/O Resurgent Capital Services ) no authorization to furnish anything on my credit profile. They are conducting identity theft which is also a felony of the third degree under Florida Law. LVNV FUNDING LLC ( C/O Resurgent Capital Services ) needs to provide me with their bond, proof of insurance and what authority they have to legally collect. I will also be charging LVNV FUNDING LLC ( C/O Resurgent Capital Services ) {$10000.00} ( XXXX XXXX Dollars ) for my time, inconvenience, the breach of my privacy and attempting to steal my identity. I demand my information/account be deleted from their files/records and removed from my credit reports immediately. I will not hesitate to exercise my rights if my demands are not met immediately.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (FL)

Last month in the beginning of XXXX my synchrony bank account got restricted. I guess I was using my money to fast. I called and reported that Im the one using my account its me. No one else has access to my account but that was ignored and was placed on hold. Its XX/XX/XXXX. Its been one month that the bank has held my funds. Yes I called multiple times. But was givin the same answer. Thats its under review. Thats all I am told. Ive missed work for three weeks now because of this. I called yesterday and was still givin the same response. Im still waiting and still not able to complete my daily duties because of this.
Consumer complaint received 2024-05-22
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. (VA)

I've noticed unfamiliar items on my credit report, indicating potential identity theft as I haven't authorized these accounts. This issue has caused me considerable stress, as these inaccuracies don't reflect my true financial history or money management habits. I've previously addressed this concern, and I'm now requesting expedited removal of these accounts from my report. If necessary, I'm prepared to pursue legal action to safeguard my rights and resolve this matter. These erroneous entries are impeding my ability to achieve significant financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to this problem.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-06-09
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. (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 Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-22
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-07-06
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: Spring Oaks Capital, LLC (GA)

This company has been negatively impacted my credit for years. I have asked for a debt validation letter, the original contract from the original creditor, proof of legal right to collect on the debt. I have been harassed consistently over the years from various numbers from this company about collecting the debt although they have not sent any of the info to have asked. They have also changed the date of the debt to reflect the current month and year so that they can be in the statue of limitations. I have to them this is a violation of the fair credit reporting act, and they continue to falsify information to the credit bureaus. This has prevented me from getting a mortgage, and has affected my mental health. I have over XXXX numbers blocked on my phone from this company violating my privacy and rights.
Consumer complaint received 2024-05-22
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

Store card was closed and paid off in settlement XX/XX/XXXX but are now flagging my credit report as open closed with XXXX dollar payments which is negatively effecting ny credit score. Because or this my credit score has went down XXXX points since XX/XX/XXXX. This card has long been closed and paid off and settled XX/XX/XXXX. They need to STOP DROPPING MY SCORE!!
Consumer complaint received 2024-07-06
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: Radius Global Solutions LLC (GA)

This company has been negatively impacted my credit for years. I have asked for a debt validation letter, the original contract from the original creditor, proof of legal right to collect on the debt. I have been harassed consistently over the years from various numbers from this company about collecting the debt although they have not sent any of the info to have asked. They have also changed the date of the debt to reflect the current month and year so that they can be in the statue of limitations. I have to them this is a violation of the fair credit reporting act, and they continue to falsify information to the credit bureaus. This has prevented me from getting a mortgage, and has affected my mental health. I have over XXXX numbers blocked on my phone from this company violating my privacy and rights.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TX)

Requested payment history prior to XX/XX/XXXX from Newrez ; previous mortgage company ( XXXX ) went out of business; tried calling XXXX and it sends you to Newrez. Newrez states they can not provide payment history prior to the loan being transferred to them and I must obtain from XXXX, which is impossible since they no longer are in service. Yet my loan has been in effect since XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-11
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. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (IL)

On my credit report, it states that this account " needs my attention '' and it doesn't need my attention, because I've been making automatically payments since XX/XX/year>. It is hurting my credit report and others believe that I am not making payments at all. " Last payment amount " states {$0.00}. That is incorrect!! I make automatic payments every two weeks from my checking account.