davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MO)

I dont have a JCPennys card. Thats my fathers account and Im attached to it and its messing up my credit because of money owed. You can see I have a 100 % on payment history on my credit report and I cant seem to get my dads card off of my credit report. I have never used the card. Is card for JC Pennys is closed and theres money owed on it. I need to be removed from his card.
Consumer complaint received 2024-08-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

I reached out on XXXX. XXXX and asked how I can invoke my right to stop them from sharing my personal information to anyone. I was told that I need to do more research on finding out if I can even do that. I explained to the customer service representative that I spoke with on a recorded line, that it is my legal right to be allowed to opt out of them sharing. She continuously told me that I was misinformed and again to do more research. She also stated that it is their right to report my personal information to whoever they choose the credit bureaus as an example. On the recorded line I reiterated that I do not want them selling my information and I would have to reach out to the CFPB for more assistance on this matter.
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C. (TX)

On XX/XX/year> I received a letter from Morgan & Associates stating I now owe them {$16.00}, XXXX XX/XX/year> Morgan & Associates responded to my request for the original instrument with a court case filing however I had not received proper notification nor was I served by a county sheriff. 

On XX/XX/year> I received a solicitation letter from a law firm stating Morgan & Associates had taken legal action against me on behalf of XXXX.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

The account has been settled, and there is no outstanding balance, yet your bureau continues to report late payments, which is not only misleading but also damaging to my creditworthiness. I insist that you promptly remove the inaccurate late payment information from my credit report and update the account status to accurately reflect its closed and paid status. 
XXXX XXXX  XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter to rectify the inaccuracies on my credit report. It is unacceptable that your bureau is failing to reflect the true status of this account, especially when other credit bureaus have successfully updated their reports in accordance with the accurate information provided.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (IN)

I recently was signed up for the TD Bank Renovate retail card when purchasing furniture due to their 0 % intro rate promotion. 

After receiving the card in the mail, I am unable to create an account online because I believe they have a typo in my phone number. The online account only has one way to verify me, by texting my phone number, and I never receive the verification text. And the only solution is to call them. 

When I try to call their phone number ( XXXX ), no one answers. The back of the card says it's a XXXX hour line, the website says XXXX to XXXX. I have called at all hours of the day, on different days, for the past week. [ Dates tried are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... ] Even at the very beginning of their operating hours, I have sat on hold for literal hours each time, with no one ever answering, and no ability to speak to a person to correct their data error. Their hours are XXXX to XXXX, I was on hold last night until literally XXXX and no one picked up. I'm listening to the hold music for over an hour as I type this, because I called at XXXX when they open and am still on hold. 

I can't set up an account to pay my bill. I haven't received any statement with another contact. There is no email option to discuss the issue with anyone. When I call the line, it doesnt recognize my phone number for the account ( because of the typo ) and puts me in a loop on the automated phone tree. 

I literally have no access to my account or way to pay them, and no way to contact them. I don't know my payment amounts, due date, minimum, or any other information about my debt. When I called the issuing bank, TD Bank ( XXXX ), they only transferred me back to the original number that never answered. They also could not provide me with an email address, alternative number or any different point of access than the non-functioning phone number. 

I have attached the letter that the card came on ( my information cropped out ) I received with the card showing no other method of contact. The back of the sheet is blank and this is all I have received.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (FL)

This collection agency added someone else 's account to my credit report, I contacted them and they didn't help me, the account is not in my name, address, social security number, or phone number, and then they added the account to my credit report.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (WA)

I purchased a portable air conditioner from XXXX on XX/XX/year>, and paid in full. Later, the next year, I received a call from debt collectors regarding a {$550.00} debt for an air conditioner from Wayfair, which I never ordered. I contacted Wayfair and was informed that the account used for the order was set up for fraud. Despite assurances from Wayfair, the credit history was negatively affected by the debt collection. 
The fraudulent purchase on Wayfair was made using a payment plan through XXXX, but when I confirmed with XXXX that they do not have an account with them. Upon requesting details from Wayfair, XXXX, and the debt collectors about the Social Security Number used for the loan and the tracking information for the delivery I got no response. 
The fraudulent order on Wayfair was created on the same day they ordered from XXXX. The Wayfair invoice display the name " XXXX XXXX '' but has my shipping name and address.
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I used XXXX XXXX XXXX  in 2019, there services was horrible, rats were still coming in my house. Contacted service so many times and they told me it takes time. I spoke with manager XXXX and told him I would be paying for the last month, which I did, and stopped using services because they sent me false documentation about my house with false pictures of holes in the screens where the rats were getting in which wasn't even my house. Not once during the conversation did he tell me I would have to pay for one more month. This company is trying to get more money from me. Injustice, and I will not give them another XXXX!!
Consumer complaint received 2024-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (TX)

WAKEFIELD & ASSOCIATES INC. XXXX XXXX XXXX XXXX has placed this debt on my credit and I have never acquired services from them nor have I ever heard of them. This needs to be removed from mt credit reports and there is no validated proof this belongs to me. I have been a victim of identity theft and have placed credit locks for all three bureaus because of this. I would kindly ask that this be removed.
Consumer complaint received 2024-08-01
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: ROBINHOOD MARKETS INC. (IL)

I am honestly shocked from the lack of support and protection that Robinhood Credit Card have for their clients. 
I want to reiterate that I reported my card as lost or stolen immediately upon discovering the unauthorized transactions. Additionally, I promptly filed a fraud claim with Robinhood, only to be met with the disappointing outcome of a denied claim. 
The Robinhood investigation team determined that they were unable to substantiate the fraudulent nature of these charges, despite my clear assertion that I did not authorize these transactions. 
I am extremely disappointed with this decision as I have taken all necessary steps to protect my account and prevent further unauthorized activity. These charges were made without my consent, and I believe that I am being held responsible for a crime that I did not commit. 
I asked for reversal of the disputed amounts. 
All that I can say is the day of those charges occur., I was with my newborn at my home. 
If Robinhood does not see me as a valuable client and can not protect me a fraud then I would like to cancel my account and the last four digits of my social security are XXXX Robinhood CC client protection is basically none!
Consumer complaint received 2024-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

School misconduct discharge application was denied. I went to XXXX XXXX XXXX and is documented as a fraudulent school. Navient wants people to contact them and request an application. This information is not public. I was told that WAS denied on Monday XX/XX/XXXX by an agent, only to be told by another agent that it was still being processed. I received a letter through email on Wednesday XX/XX/XXXX that it was denied. It was expressed that just because I was approved of my federal loans being discharged, it didn't help my case for my private loans. I've paid over {$10000.00} on a loan that was originally {$2700.00}. My balance as of XX/XX/XXXX is {$4800.00}. I've been paying on this loans since XX/XX/year>.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (TN)

Company has called XXXX relatives stating they are a debt collector. XXXX person barely has any relation to me. The other relative asked about the debt and the collector accused my family member of being me and became hostile. Then, they left a message saying they will contact my employer and my relatives if I don't contact them right now.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I did not open a Capital One credit card and I have no knowledge of anything about it. I also did not apply for any of the soft inquiries or hard except for XXXX XXXX. I can't remember when I contacted Capital One as my daughter did it for me. I am XXXX XXXX XXXX and don't use credit cards. If I don't have the cash, I don't purchase anything!
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Groves Capital, Inc. (TX)

I lost my earnest money in the process because the mortgage loan officer was not forth coming or communicating with me or the real-estate agent regarding the loan. She told me from the beginning it would be an FHA loan and when it was time to close which we didn't of course, it switched to a rent to own lender with the rental amount 3 times the original mortgage payment amount. It is called the TRIO Program. The original interest rate was XXXX and with this program it was XXXX XXXX loan terms 40 years. I feel this was predatory lending practices.
Consumer complaint received 2024-07-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/XXXX, Capital One repossessed my vehicle. On that same day, I noticed an email addressed to me from Capital One indicating my vehicle was scheduled for repossession. The email went to my spam. I immediately called Capital one and they informed me that my vehicle was scheduled for repossession and that I could stop same with an owed {$480.00} payment. I explained to them that I thought that bill was paid and that contrary to the representations of Capital One, my phone number should not have been placed on a " no good '' list. This interfered with the payment notice getting to me before Capital One initiated repossession proceedings. They assured me that the repo would be recalled as long as I made payment before the close of business. I was at the XXXX XXXX conducting business with my business partner who offered to pay the bill. Within an hour of the phone, before I returned home, and long before the close of business, my vehicle was repossessed by Capital One. The bill ballooned from {$480.00} to thousands of dollars at that point as Capital One wanted reimbursement for repo fees. After additional calls to Capital One, the bill went down between {$2100.00} and {$2600.00}. Capital One was unable and unwilling to reduce the fees to the initial {$480.00}, and on XX/XX/XXXX, Capital One informed me that my vehicle had been sold for an undisclosed amount. This is violative of the spirit and letter of the Truth and Lending laws. My phone number did not belong on a " no good '' list, this caused me to lose substantial notification time and the vehicle. Next, the repo should have been stopped upon our phone agreement
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Received letter via USPS from Bank of America, dated XX/XX/XXXX, ( didn't actually get it in the mailbox until XX/XX/XXXX. ) saying my account was past due for {$61.00}, and that I have until XX/XX/XXXX to make payment. I don't use this card often, but apparently my XXXX annual membership autobilled to this card ( for {$60.00} ) I had autopay set up, so it should have paid it ... but for some reason, that got turned off ( It wasn't by me, as I haven't logged into this website in months ).

I scheduled a payment via their website soon after, ( it was taken out of my bank account XXXX XXXX. ) Yesterday I went to log into their website to verify the payment went through. I was unable to log in, it gave me a number to call. When I spoke to them they told me my account had been closed on XX/XX/XXXX. ( What?! ) They said a letter was sent to me that has all the info ( as of today XX/XX/XXXX, I still haven't received any official notification that they've closed this account on me ) they wouldn't provide me anything over the phone, or send me any email confirmations. I asked about the letter that was sent on XX/XX/XXXX, saying I had til XX/XX/XXXX to pay .... they couldn't tell me anything about this ... or why my account was closed on the XXXX. Now I'm very worried I'll have a ding on my credit for non payment, plus the account being closed not in good standing. I want them to have any black marks on my credit removed because of this. They have my phone number, and email ... neither of which was used to let me know I had a {$60.00} past due amount or that they closed my account. Nor can they tell me how autopay was turned off ( I ALWAYS have autopay on every card I've ever had ) I've heard plenty of bad stories about Bank of America... I guess this is just another one of those stories. How can they send a letter via snail mail XX/XX/XXXX, that takes a week to get to me, and then say I have til the XXXX to pay. Then close my account 3 days after I receive this letter?! It's madness. I have perfect credit, and strive to keep it that way.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

Long storybut someone was driving around in XXXX XXXX for nearly 2 years getting parking tickets and tool booth violations with an expired license plate with the same lettering as mine. I was getting tickets in the mail for unpaid violations. My license ended up being suspended for all of this. I have spent numerous hours contacting XXXX XXXX and Parking Enforcement and after around 6 months of back and forth I finally got someone in XXXX to help me. They found the car with same license plate as me and booted it. That person then had to surrender his plate in order to get his car back. I went to my local XXXXXXXX XXXX XXXXXXXX and put the manager on the phone with the XXXX XXXX and after a few emails the XXXX XXXX issued me a new license and said this error would be removed from my record. So now trying to add my teenager to our family car insurance and its extremely high $ $ XXXX Insurance people are telling me its so high because of my bad driving record that shows up on your clue report. I need this incorrect suspended driving license recorded removed or stricken from my record.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

According to chase bank, only a supervisor can log a complaint. I contacted the bank regarding a hold that was placed on an electronic transfer because the whole date had been moved XXXX days further out from the date I was originally provided. I contacted the bank for either an explanation and request to release the hold, but they did not release the hold. 

I received poor service from the first XXXX associates that I spoke to and wished to submit a complaint regarding their actions. I was told I had to speak to a supervisor and waited approximately XXXX minutes to connect with a manager. The manager XXXX, confirmed that was their process that only a supervisor could submit a complaint. I requested a response in writing to my concerns regarding the hold as well as confirmation that their policy is that only a supervisor can log a complaint. He could not commit that the bank would respond to my concerns in writing. I find this extremely concerning that a longtime customer who has rarely ever complained let alone contact the bank can not file a complaint regarding the egregious service I ever received and I was required to be on the phone for over XXXX minutes and the initial reason for my call was still never resolved. There is someone in the bank that could adjust the hold and release the funds yet he tells me there is nothing that could be done. I am a long time client and shareholder of the bank, I am Quite honestly more concerned about their complaint tracking policy as opposed to the hold they place on my funds I would like a response in writing from the bank their policy for clients logging complaints to confirm if we are required to only speak to a supervisor to a formal complaint
Consumer complaint received 2024-01-10
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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