davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (MO)

Subject : Urgent Resolution Required : Unlawful Credit Reporting Violations under Missouri FCRA and Identity Theft Laws Dear EXETER FIN, I hope this message finds you well, albeit addressing a matter of pressing concern. I write to bring to your attention the grave issue of unauthorized information reporting to my credit file, a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), coupled with the pertinent Missouri FCRA provisions. 

It has come to my dismay that EXETER FIN has been engaging in the unauthorized reporting of information to my credit file without obtaining the necessary consent, a clear violation of federal laws as stipulated in the FCRA. Section 1681b ( a ) ( 2 ) explicitly mandates that consumer consent is an absolute prerequisite for such reporting activities. 

Beyond federal mandates, Missouri FCRA provisions reinforce the imperative of obtaining consumer consent for credit reporting activities. Your attention is specifically drawn to the relevant sections of Missouri 's FCRA, highlighting the necessity of explicit consent for reporting and the fair treatment of consumer credit information. 

Moreover, considering the severity of unauthorized access and misuse of personal information, it is crucial to emphasize the implications under identity theft laws, safeguarded by Missouri Penal Code Section [ Relevant Section ]. Unauthorized reporting not only breaches my rights but also jeopardizes my creditworthiness, a matter not taken lightly under these laws. 

I assert, unequivocally, that no explicit consent has been granted to EXETER FIN for reporting any information to my credit file. This lack of consent is a clear violation of my rights, constituting potential damage to my creditworthiness and a flagrant disregard for federal and state laws. 

I hereby demand, with utmost urgency, that EXETER FIN immediately cease any further reporting of information to my credit file without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and the corresponding Missouri FCRA provisions. Non-compliance within the stipulated 30-day timeframe will be considered a willful violation, subject to penalties under applicable laws, including identity theft laws. 

It is imperative to understand that obtaining consent is not a discretionary choice but a legal obligation under the specified sections of the FCRA, Missouri state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unwarranted and damaging credit reporting practices. 

I anticipate your immediate attention to this matter and expect EXETER FIN to expeditiously rectify these egregious violations, thereby respecting my rights under federal and state laws. 

With a genuine hope for swift resolution, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (WA)

I received a forwarded letter from XXXX XXXX a collection agency that took over the balance for a Ultamate Rewards account from Comenity Capital Bank. I only have one credit card through my parents that they manage for me. I was surprised to have received a debt collection letter for something that I am not responsible for. I called Comenity Capital Bank several times and they have refused to provide me any account information for a close account. They did give me a date when the account was opened ( XX/XX/year> ) which was two months after I had moved out of my previous apartment and moved in with my parents. I never received billing statements because I didn't forward my mail because I always chose to have my mail sent to my parents house. I'm a XXXX XXXX and paying for everything myself. I'm very responsible with my money because I have very little of it. I take full responsibility for my mistakes and right my wrongs, but I am always trying my best to avoid making them so I'm not in these situations and can have excellent credit for my future. I need some help with this. I'm not sure what to do. I've hit some walls and everything seems to point to " you need to pay for something you didn't buy '' and I don't feel is acceptable.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (KY)

I got a line of credit in XXXX of XXXX, and they were drafting XXXX out of my checks bi-weekly. I was moving from XXXX, back to XXXX  and was going to file bankruptcy because I was struggling ran into medical issues and contacted net credit that I was going to file. I contacted noncredit because I have gotten back into a better financial situation and not filing, they told me the balance was {$3700.00}, and that I would still owe {$5400.00} and i asked how I only borrowed {$3000.00}, and I would like to take care of the XXXX they said if i didn't pay the full XXXX each month they would still report to credit bureau in default. I told her I would have to see if I could find research on this predatory lending, high interest rates, and lack of offering a way to resolve the debt to help me. I called back, I emailed it takes forever to contact them. I got, an email finally telling me they closed my loan so only options are to pay the balance of {$5400.00} or to make XXXX installments of {$50.00} until XXXX so for XXXX years they are going to impact my credit, and take my money. How is this helping?
Consumer complaint received 2024-05-01
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. (VA)

Transunion reports a FRAUD information in my credit report. I requested dispute several times but they ignore. I received a letter from the Court that TRANSUNION did not contact them about my case. It is a Violation of Law. This information is FRAUD and Identity Theft. Must be removed. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX I HAVE NEVER LIVED AT THIS ADDRESS NAME : XXXX XXXX XXXX XXXX IT IS NOT MY NAME ACCOUNT : XXXX  XXXX bankruptcy discharged- I HAVE NEVER FILED BANKRUPTCY
Consumer complaint received 2024-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NC)

A couple months ago, I transferred 75 % of my net worth to XXXX to take advantage of high interest cash savings and 1 % bonus for bringing equities over from XXXX. 

More than XXXX of my account is in CASH. I do not day-trade, I am a buy and hold investor. Part of my strategy is dollar cost averaging XXXX and withdrawing to self custody. 

On XX/XX/XXXX, I purchased XXXX and began a transfer. The amount was less than the daily withdrawal limit, of which I am very much aware. 

At the time of this incident, I had approximately XXXX in available cash, around XXXX in stock and just shy of {$5000.00} in XXXX 

Now my entire account is restricted. I am unable to withdraw my cash, which I need to be able to access as emergency funds. 

All of my information has been verified. DOB, photo ID, SSN, etc. All of my money is the result of hard work and I have Tax Returns and Bank Account Statements to PROVE IT. 

This is theft, plain and simple. Its an unethical game that they are playing to reduce a clients liquidity and prevent them from withdrawing from their platform. It should be Illegal to hold money hostage without any sort of due process.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Ive attempted to resolve the issue of misleading accounts that I didnt authorize on my consumer report. I am aware of my rights and credit report agency should not be reporting inaccurate information. Please see attached letter of my dispute thank you
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

I had booked a flight ticket using JP Morgan and Chase credit card. 
The booking was done using their ticket booking service ( Chase Ultimate Rewards program ) and was done in the month of XXXX, XXXX for a flight in the first week of XXXX ( XX/XX/XXXX ). 

During the booking I requested multiple time that the ticket be refundable. I was promised that it was so. The ticket was booked for 2 adults and a lap infant. 

On XXXX ( XXXX ), XXXX I called the bookings line at Chase to cancel the ticket for 1 adult and the infant. During the cancellation there there was confusion regarding if the ticket was refundable or not. The booking agent for Chase then checked the voice recording from XXXX and confirmed that while the ticket said one thing that I had paid for refundable tickets and had requested a refundable ticket multiple times in the conversation. A request for email confirmation of this was denied on the basis that their system does not allow them to send an email containing this data to the customer. The agent then promised that I will be refunded my money in 1-2 billing cycles. 

I called booking agency of chase in XXXX ( XX/XX/XXXX ) to check up on this issue after 1 billing cycle and their agent gave me a specific date ( XXXX ) by which I should be receiving my refund. All this while there was no question on the refundable nature of the ticket as they could see in their notes clearly the previous checks done. 

When I did not receive my money by the said date, I called the booking agency of chase again on XXXX XXXX, only to be surprised with a different story, where they claimed that the previous agent had made a mistake in refunding a non-refundable ticket and that they have to go check again ie : Repeat the process done in XXXX. 

When I countered with how they can claim error when they were going to repeat the same process and the fact it will take another 1-2 billing cycles to get my money back they simply kept repeating that they will not honor the checks from their previous agents as they consider her wrong while suggesting that they will repeat the same process again. 
My questions on why the rejection of the claim was also not passed on to me was also met with attempts at distractions. 

I was then told that an internal ticket has been raised but I was not provided any closure date. I was simply told that it was a high priority. 

I am writing this complaint since I do not trust their process and since they do not share any of the voice recording or their notes from previous conversations to their agents hoping they will share details once this complaint is made. 

Amount in question to be refunded : {$690.00} and some change
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I received an email from Capital One Credit card company on XX/XX/XXXX stating that I could check my approval for XXXX of their credit cards with no impact to my credit score.

I have been working really hard to improve my credit score, I pay higher home and auto insurance due to a poor credit score rating. I am unable to be approved to a HELOC loan due to my credit score.

Therefore, I do not allow any company to do a credit check on me because I can not afford to have any Hard inquiries because it will result in my credit score dropping. 

The email dated XX/XX/XXXX has big bold letters stating " See what card offers you might be pre approved for with no impact to your credit score ''.

I was lead to believe by Capital One 's email that there would be no impact to my credit score if I checked my pre approval. Once I gave approval, my credit score dropped by XXXX points. This drop affected my credit rating, my credit went from good back to poor. 

Capital One states in the letter received on XX/XX/XXXX, that there are XXXX types of credit inquiries. No where in the first email dated XX/XX/XXXX does it state that they ( Capital One ) would be doing a hard inquiry. 
Doing a hard inquiry is put in small print somewhere in the disclosure. 

I believe that this practice is 'Deceptive ''. The fact that a hard inquiry which will affect my credit rating should be upfront and big and bold as " Check your pre approval with no impact to your credit ''.

If Capital One is going to do a hard inquiry, that information should be in large print.

I should not have to go searching the email for disclosures that would cause a negative impact to my credit rating.

This deceptive practice should be illegal and Capital One should be held responsible.

Capital One is praying on vulnerable people such as myself.

My pursuit to getting a good credit rating has been sabotaged by Capital One. 
I need my XXXX points back, or I would like to be compensated financially. 

Capital One knows that a hard inquiry has to be conducted to approval someone for a credit card, I don't! Again, that should be stated big and bold in the same email and just as large print as " with no impact to your credit score ''. 


I need my XXXX points back or I should be compensated finically.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I got the check of {$2200.00} sent home. However, the numbers at the bottom was not readable and I was unable to cash it even though I tried at multiple chase branches. They told me to contact a number to issue me a new check which I did but I never got another check sent home. I then went in person to a chase branch and the check verifier or whoever can write checks there told me I will get a check sent home anywhere from 2 business day to a week after speaking on the phone with another person. However, its been two weeks and I have yet to see a check sent home. I have tried to resolve both on phone and in person to no avail. Please help me.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Thank you for your prompt response regarding my complaint concerning inaccuracies on my credit file. However, after reviewing the results of Equifax 's investigation, I must express my dissatisfaction with the outcome. 

Despite my assertion of inaccuracies, the investigation appears to have resulted in minimal action, with the disputed items still not reflecting the necessary corrections on my Equifax credit file. This correspondence serves as a request for a reinvestigation into the matter, as the initial investigation failed to provide a satisfactory resolution. 

Additionally, I must highlight that due to the discrepancies on my credit file, I have placed a fraud lock on my account to prevent any further unauthorized activities. This underscores the urgency and importance of resolving these issues promptly. 

Furthermore, the explanation provided regarding inquiries does not sufficiently address my concerns. While I understand the necessity of inquiries under the Fair Credit Reporting Act, I believe there may have been unauthorized inquiries that warrant further investigation. 

I urge you to revisit this matter and conduct a more thorough examination of the discrepancies on my credit file. It is essential to ensure the accuracy and integrity of my credit report, as it directly impacts my financial well-being. 

I kindly request your assistance in resolving this matter promptly. Please provide guidance on the next steps to escalate my concerns and achieve a satisfactory resolution. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NY)

I would like to request a digital and hard copy of the Purchase Agreement from SPRING OAKS CAPITAL LLC of the alleged debt you claim I owe. The process of buying debt always include a contract which should explain in detail the following, What was bought, What representations are made for accuracy, What can be done with the debt, and the exact amount.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Early 2 weeks of XXXX, I have been depositing checks from contractor work/companies/business, etc. On the second week of XXXX, JP MORGAN CHASE sited my account as suspicious and fraudulent. They froze my assets and restricted my access to my Chase accounts. For context, I have held all my assetts in my Chase accounts. All direct deposits, bills, finances are connected to CHASE. Without warning and without notifying me directly, my accounts were placed under restriction. I contacted Chase customer service, and I was told my accounts were placed on restriction because my deposited checks were marked as fraudulent and suspicious. I asked about my pre-existing funds like my savings and remaining money from checking ( prior to the checks ) and a representative told me I'd be able to retrieve these assets from a bank in person. I was told the complete opposite of this information in more calls with Chase representatives the next week after Chase was still unable to clear my checks after 10 days. I have been unable to pay bills, without access to any finances because Chase refuses to work with a long-term customer even with proof of identity. My next calls with Chase, I was told that since I was unable to clear my checks, Chase would indefinitely hold onto my savings and pre-existing checking balances until the checks were cleared. For context, phone numbers I've provided or Chase has access to have all been unsuccessful at clearing the checks. I am at a loss, and I am financially burdened. Chase stated that if I am unable to clear the checks with them, my existing funds will NOT be mailed to me as a check, but rather be held by them and sent to the state 's unclaimed funds. I also asked them about my outstanding balances on my Chase credit card, and they said I will still be responsible for paying the card and late fees will continue to apply. ( My accounts at this point are still restricted and I have no other bank to pay a credit card from ). Chase has effectively stolen my finances and has left me financially broken. After a customer of 10 plus years, I have been thrown to the curb.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Upon my mother 's death in XXXX of XXXX, my XXXX siblings and I visited a branch of Webster Bank XXXX XXXX, MA ) to disburse my mother 's savings account and IRA ( slightly over {$4000.00} ). This was XXXX XXXX, XXXX. We each received equal checks closing the savings accounts and gave information to allow the XXXX to be equally distributed among us. In late XXXX, XXXX, my brother and sister received their checks from the XXXX. I waited a few weeks and then called ( XX/XX/XXXX ) Webster Bank and left a message for the manager. No response. I called again on XX/XX/XXXX and was told the manager would be in touch soon. No response. Given that this manager had been unresponsive in the past, I then called the main number for Webster Bank on XX/XX/XXXX and asked to file a complaint and was told I could only give a message that would be passed on to the branch manager and would hear back in XXXX business days. No response..
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 und

er 15 USC 1681. 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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for the month of XX/XX/2023 should be updated to " paid as agreed and never late ''.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

WELLS FARGO BANK XXXX XXXX. 
I HAD IDENTITY THEFT ( STILL DO ) i HAVE WORKED WITH MY BANKS AND THE ONLY ONE THAT HAS NOT HELPED IS XXXX. 
THEY CALLED POLICE FOR ELDER FINANCIAL ABUSE, I WENT THRU 6 MONTHS OF BANK PRINTOUTS. FOR THEY PROMISED TO PAY ME BACK BECAUSE XXXX MOS OUT OF THE XXXX THEY KEPT SENDING DEBIT CARD TO MY HACKER, NOT ME. I DID NOT HAVE A CARD FOR 4 MONTHS. XXXX POLICE REPORTS, FTC, CREDIT CARD FRAUD, MAIL FRAUD ETC. EVEN FBI. SO INSTEAD OF HANDLING IT AS PROMISED THEY CLOSED MY ACCOUNT " LOSS PREVETION DENIED MY CLAIMS AS HIGH RISK '' THE BANKER WAS ALSO MAD AND ESCALATED COMPLAINT FOR I HAD WORKED WITH HER FOR 2 MONTHS, STILL NOTHIING. i AM OUT APPROX XXXX FROM BANK AND OVER XXXX ONLINE. SHE STILL IS TAKING MY CLIENTS MONEY BUT NOBODY WILL HELP ME! I AM NOW HOMELESS AND ABOUT TO LOSE EVERYTHING ELSE.