davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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: SANTANDER HOLDINGS USA, INC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri XXXX Dear SANTANDER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant identity fraud laws of XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that SANTANDER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri statutes also establish clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws in Missouri underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX I opened an account with XXXX XXXX XXXX Synchrony Bank ), in XX/XX/XXXX I was told that the account was closed. I opened this account with XXXX XXXX because I needed new furniture as my family was expanding so I went to the furniture store to buy a bedroom set. It was suggested to me by the sales clerk to open a line of credit which I did and I was approved for {$10000.00}. I purchased my bedroom set and went on auto-pay for my monthly payment. 
In XX/XX/XXXX we got a bigger apartment and decided to get a living room set to accommodate the family, so I went back to city furniture to utilize some of the credit that they had given me. I continue to make monthly payments as indicated in my contract. 
In XXXX of XXXX, I decided to log into my account so I could put more money into my monthly payments but found out that my account was closed. I called the bank customer service several times to figure out why my account was closed. I was transferred to several different department heads who were not able to explain to me why my account was closed and instead redirected me to one of the credit bureaus XXXX. 
When I contacted XXXX and got an updated report of my credit all three bureaus are reporting me in good standing. I went back to Synchrony Bank and tried to get some answers as to why they are negatively impacting my credit by closing the account to which they have not supplied to me. I am filing this complaint to get my credit reestablished with the bank as I am looking to purchase at home and this action is impacting me financially. 
I have attached a copy of my credit report showing me in good standing with my payments and my identifications. 

Please Advise
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have never done business with XXXXXXXX XXXX. I have never given them my social security number or my signature. So It needs to be deleted from my XXXX and my experian credit report. using the permissible purposes law 15 USC 1681b. Asap
Consumer complaint received 2024-05-30
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: GOLDMAN SACHS BANK USA (AZ)

I requested a refund for my game purchase last war because the game will keep logging off and or freezing. Support center is aware of the ongoing issue. Apple refuses to refund the faulty products.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/year>, in XXXX XXXX Florida. I deposited {$500.00} into the Citizens Bank XXXX XXXX XXXX XXXX ATM. I deposited cash into atm and the machine took my deposit and did not deposit it into my account. The machine also did not return my money. I called customer service and they told me they would start a claim and to wait 2 days. I went to the branch the next day and they told me because I already started the claim they could not help me. I called again XX/XX/XXXX and was told I would Be credited for the cash deposit and that was also not true .i was also told my claim would be looked at in 10 days. My account is still missing my deposit that their machine stole from me. I would like my money. I gave them cash and they just stole it and told me to wait 10 days to decide if I'm allowed to have my money. I put cash into their machine and they just took it. It's ridiculous! My account has been overdrawn now because the funds I deposited into my account didn't make it to my account and were taken from me by the financial institution. I have bills that are due. This is unacceptable!
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

Cavalry Portfolio placed a collection account on my credit reports in the amount of {$4300.00}. I do not have an account with this company and asked for proof of ownership in the form of an assignment, bill of sale or purchase agreement bearing my name. I did online research and learned that I am entitled to this proof per XXXX XXXX XXXX XXXX XXXX XXXX 

Cavalry Portfolio never responded to my request.
Consumer complaint received 2024-04-12
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WI)

On Wednesday XX/XX/year> I ordered airline tickets through XXXX XXXX from XXXX to XXXX XXXX. During the ordering process, a promotion for a Citi XXXX XXXX XXXX credit card appeared offering a {$400.00} statement credit when the total dollar amount for the flights was " Paid Today '' along with XXXX bonus miles. It also said " Offer available if you apply here today. '' I took advantage of the promotion expecting that the {$2200.00} charge would be immediately applied to the new credit card ( as shown in the promotion ) because I was instantly approved. I've had other credit card promotion experiences in the past where you can instantly apply the charge to the new line of credit, so that was the expectation. 

After the card was approved, the online transaction continued and the new credit card was not offered as a means of payment. I called and spoke with at least XXXX different people at Citi and XXXX XXXX trying to figure out why I could not apply the payment to the new card even though it was approved and the line of credit was open. I was advised that I would have to wait up to two weeks until the physical card came in the mail before I could use it for ordering my airline tickets. 

I was not in a position to wait to order the tickets as they had already gone up {$200.00} since the other people in our group ordered them just one day prior. Not to to mention I was already 90 % complete with the ordering process. The entire promotion was SO misleading- I would NOT have taken advantage of the promotion had I known I wouldn't be able to put the tickets on the Citi XXXX XXXX Credit Card at that exact time. There was NOTHING in the terms & conditions that said the card couldn't be used until the physical card arrived. I did a quick online search and it appears that other people have had this exact same experience with this credit card promotion!! Also, I requested a copy of the terms & conditions and did not receive any detailed information about the promotion that I was offered.
Consumer complaint received 2024-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

Collection agency is reporting to all XXXX credit bureaus that i owe unknown debt.. I am requesting that the collection agency provides proof that this debt is owed to them and/ or that the debt is still unpaid. This dept is unknown and have not received any communication from either the original creditor or the collection agency.
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (CA)

I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the 25-day review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. 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 or XXXX trafficking if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

Logged into Venmo app to make payment, showed a {$0.00} payment due. Was charged {$24.00} late fee for missing the payment. When I called to simply get the late fee removed I was told that they couldn't because their records indicate I never logged into the app this month. My Venmo acct shows I sent two payments to friends on XX/XX/XXXX. This happened before in XXXX and they stated they couldn't remove anymore fees do to it.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions (PA)

The company called stating they had a debt owed to a company called XXXX XXXX XXXX XXXX. We informed them that I did not have a credit card with that bank. They then said the credit card was likely closed in XXXX, but could not give us an exact date. We informed them that in or around XXXX another company attempted to collect for the same card and were not able to prove the card belonged to me. The case was dismissed by the courts over 20 years ago. They then threated to sue in the local courts. This case is known to be time barred and was not verifiable over 20 years ago as it was not a card I have ever possessed. They lost the original court case due to lack of verification of the debt and time barred debt. They refused any other information unless we agreed to payments. They did scam us into verifying his dob or they would not give us any information. We told them not to contact us again.
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My original home loan was with XXXX made in 2006. XXXX did not charge me a fee for making my mortgage payments online. Several years back XXXX XXXX XXXX sold my loan to Nationstar Mortgage, who charges me a fee of {$9.00} each month for paying online. My loan was sold to Nationstar Mortgage unbeknownst to me and I never signed any paperwork agreeing that I would pay a fee to make payments online. I 've spoken to several representatives with Nationstar who will not waive the fee. I received a mortgage loan from one financial institution who did not charge me a fee for making payments online and through no fault of my own ended up with another financial institution that charges for paying online. It 's not fair to me the consumer.
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (CA)

I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the XXXX review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. 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 or XXXX XXXX  if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.
Consumer complaint received 2024-05-30
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: Early Warning Services, LLC (NJ)

I contacted Early Warning Systems in early XX/XX/year> regarding to dispute the ( XXXX ) XXXX accounts showing in my EWS report Consumer ID # XXXX. I attached the report pages showing the ( XXXX ) XXXX accounts being reported in EWS database. EWS sent me a reply on or about XX/XX/year> which did NOT contain any information I had requested. However, I did receive a document from XXXX XXXX Client Relations -Escalations Team which I attached responding to the EWS dispute I filed and the XXXX XXXX determined that I should NOT have any of the ( XXXX ) accounts reporting in EWS database files. Therefore EWS shall need to REMOVE/DELETE all ( XXXX ) of the XXXX Accounts XXXX EWS is in multiple violations of the FCRA and must DELTETE these accounts. It has also come to my attention EWS is furnishing my XXXX information to XXXX parties which I never XXXX18 U.S. Code 1028A - Aggravated identity theft. EWS needs to retract the information from any companies it has furnished the XXXX accounts to such as GIACT. 
[ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) -No Permissible purpose 15 U.S. Code 6801 ( a ) ( b ) - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance. The civil liability and the remedies available to me under section 617 for negligence noncompliance are very clear under the law. 15 U.S. Code 1691e - Civil liability I attached my passport and utility bill
Consumer complaint received 2024-08-09
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On Friday, XX/XX/XXXX I enacted a living revocable trust as part of my estate planning process. I therefore submitted my certificate of trust in person to JP Morgan Chase 's local branch ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ) on Saturday, XX/XX/XXXX at XXXXXXXX XXXX XXXX  with JPMC private banker XXXX XXXX. He took down our proof of identity and certificate of trust documents to move forward with the conversion of our JPMC checking account from personal ownership to trust ownership. For reasons I don't pretend to understand, this request was denied unless additional trust documents were submitted. The original ask was for the entire trust to be disclosed, which I and my husband had specifically been instructed by my lawyer not to turn over to any outside parties for any reason. Another reason I was suspicious - my lawyer had asked to be forwarded the rejection email from JPMC with the request for additional information, which JPMC has inexplicably refused to do. I therefore declined to request and asked to speak to the branch manager XXXX. I had to wait until Thursday XX/XX/XXXX for her to return from PTO. I then went back to the branch on Thursday XX/XX/XXXX and specifically turned over Section 3 of my trust which further enumerated Rights and Powers of Settlors. However, JPMC has continued to spin their wheels and continues to ask for the entire trust as of XXXX  XX/XX/XXXX and again on XXXX  XX/XX/XXXX despite the fact that I have already fulfilled their specific request as confirmed by branch manager XXXX. I have therefore submitted this formal CFPB complaint so that regulatory intervention will require JPMC to fulfill their outstanding fiduciary responsibilities.