davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank/ Venmo is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer.

Synchrony Bank failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 

Synchrony Bank unlawfully reported negative non public personal information regarding transactions and experiences to three CRAs violating Principals rights under FCRA. Principal is demanding that all negative non public personal information transactions and experiences be removed immediately under the afore consumer mentioned rights and laws.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NY)

The US Bank XXXX XXXX XXXX is supposed to give XXXX points on all mobile wallet purchases. Mobile wallet is supposed to include XXXX XXXX, etc. I use the mobile wallet regularly. Since XX/XX/2024, the card has not been issuing the XXXX points on mobile wallet purchases, instead issuing XXXX points. I spoke with US Bank several times and this culminated in a previous CFPB complaint. I was told that this issue was being worked on via response to the CFPB. However, I received a subsequent letter stating that they still did not have any resolution. Further conversations with customer service failed to rectify the issue with them saying there is no timeline for resolution, admitting they could not deny that a resolution could be XXXX months off - or more. This is not acceptable. It does not seem that US Bank is prioritizing this issue, frankly I don't believe they are working to get it fixed at all. They have also failed to notify cardholders this is happening at all, we have not received an email or letter notifying of the issue, instead they are hiding the issue which is why I don't believe they are working to fix it because they are simply hoping people don't notice. We pay {$400.00} a year for this card, this is not acceptable.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

On XXXX XXXX XXXX XXXX XXXX XXXX I Experian requesting these inaccurate items on my credit report be removed. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request I have asked and again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Consumer complaint received 2024-02-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westcreek Financial (IL)

XXXX with XXXX XXXX for the purchase of {$2200.00}. 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I Cancelled furniture on Monday, XX/XX/2023, XXXX via text conversation with XXXX  or XXXX on his personal device after him sending me a picture of another sectional set trying to get me to purchase XXXX XXXX lied and said furniture was delivered to me that same day. XX/XX/XXXX which is a lie Delivery was scheduled for XXXX, XX/XX/XXXX prior to me cancelling. 

Wednesday, XX/XX/2023, XXXX from Koalafi  hooked up a XXXX call with myself, her and a store rep and he stated I signed a document when furniture was delivered on Monday XX/XX/2023. And as XXXX said the signature on the paperwork ( which I was just finding out my signature was forged ) that was submitted by gallery furniture for payment did not match the signature on my affidavit I signed of not receiving the furniture XXXX was never delivered it was cancelled ; XXXX XXXX forged my signature which is a crime to gain payment of {$2200.00} from Koalafi under false pretenses of me as proof that furniture was delivered. This company Koalifi sided with me in XX/XX/2023 which I have in writing that the account would be canceled and I was not responsible for the purchase since it had not been delivered, after I proved furniture was never delivered, Friday XX/XX/XXXX I received another email stating that since XXXX XXXX is fighting the closing of account the are not going to close it the furniture store could not even tell this company what unit I live in. The furniture was never delivered and koalifi has told me to take it up with the store their removing themselves from the dispute ; which is unruly due to this account is with them and soon to damage my credit due to this business who has loans services through them lying about merchandise delivered
Consumer complaint received 2024-02-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (NY)

I bought a Peloton bike ( Loan ID : XXXX ) through Affirm on XX/XX/XXXX, for 39 monthly payments of {$41.00} at 0 % APR, I did not need to borrow the money and only did so because of Affirm 's advertising as being consumer friendly and easy to work with and for 0 % APR I figured why not. This was a terrible, terrible mistake. I made all payments on time and set up auto-pay in my account. However, due to XXXX {$41.00} payment failing twice ( out of XXXX total ) due to a technical issue on their side ( details to follow ), they decided to report to both XXXX and XXXX a year later that I am of terrible credit, and had my credit score dropped by 100-150 points. I am trying to purchase a home and am currently unable to get a mortgage due to a SINGLE {$41.00} PAYMENT that Affirm claims was paid late but is solely their fault and their customer service still has refused to correct the issue. PLEASE FIX YOUR MISTAKE AND LET ME PURCHASE A HOME, THIS IS PREDATORY AND IMMORAL. Factual background : I signed up and connected a XXXX  XXXX XXXX direct debit checking account which at all times had thousands or tens of thousands of dollars in it. I received an email notification on XX/XX/XXXX that a payment had failed in BofA despite all previous payments going through normally. Not understanding what had happened ( as all prev payments had gone through and the account had plenty of money ), I attempted to call Affirm customer service several times and their IVR menu always dropped the call. It was in fact impossible to reach a human representative to assist me with the issue. Their email sent came from a no-reply @ and did not receive any issues and did not help me, leaving me stranded. On XX/XX/XXXX I manually figured out how to log in and clear the balance and received confirmation I had paid. Despite no one at Affirm ever calling me back or them ever answering the phone, they never collected the {$41.00} for 45 days from my account. The payment was made and my credit is ruined. PLEASE HELP CFPB.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have no knowledge of these hard inquiries these inquiries are a result of identity theft these hard inquiries must be removed no later than four business days as per 15 USC 1681 c-2
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Company involved : CitiBank Type : Fraudulent withdraw Request : Video proof of who withdrew that money to prove my innocence and get my money back. 

Action taken by me : provided GPS location proof of that day to CitiBank, as well as security camera footage at the company. 
**** This case was originally filed in XXXX, California where I live, but was told by the XXXX police, XXXX XXXX Badge # XXXX that it has been transferred to XXXX XXXX XXXX on XX/XX/2023 due to the crime actually occurred there. XXXX Police Report ( Incident Report Request ) # XXXX. XXXX Incident Report # XXXX On XX/XX/2023, there were fraudulent in-person withdraw at a teller from my banking account at the CitiBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The person has used a fake ID and a different signature from mine to make the withdraw. There were 2 fraudulent withdraws at the bank teller ( {$9000.00} & {$8500.00} ) and 1 with a fake check ( {$4200.00} ). When this was happening, I was in XXXX XXXX working and have shown as much proof as possible to my local CitiBank for a refund. CitiBank is insisting that because the withdraw was made in person in XXXX XXXX, that I was the one that committed the crime and keep closing the case. No matter how many times the case has been reopened and reinvestigated, CitiBank insists that I am in the wrong. With the withdraw being at a teller, there must be a video proof. I would like a copy of the video. All I want is to get my money back.
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NE)

This company promised XXXX XXXX that they would have a way to increase their withdrawal limits through this form. They continue to reject or prolong the process beyond the 7 business day timeline specified in order to extract fees from the creditors. The ability of creditors to withdrawal their cryptocurrency is one of the reasons why PayPal was selected in their contract as a Distribution Partner for XXXX They are violating their agreement as a Distribution Partner. 
In the response to my complaint, they state that my withdrawal increase application was approved but that isn't true. I was never able to withdrawal more than {$10000.00} per week in cryptocurrency. After being told for the second time that my withdrawal increase application was rejected for an unspecified reason, I gave up and sold my cryptocurrency on the platform with the transaction fees they stated. If they followed their contract with XXXX, I wouldn't have had to pay this amount in fees and have a taxable event. The amount of fees they stated is not correct. They did not include spread. Below are the total fees including the spread. 
XX/XX/XXXX, XXXX XXXX CT XXXX XXXX sold Price : {$2900.00} Stated Price : {$2800.00} Cost of Spread : {$400.00} Total Fee : {$940.00} ( XXXX % ) XX/XX/XXXX, XXXX XXXX CT XXXX XXXX sold Actual Price : {$51000.00} Stated Price : {$51000.00} Cost of Spread : {$230.00} Total Fee : {$590.00} ( XXXX % ) I have proof that they never approved my request in the attach images ( rejected it three times without reason ). On the second rejection, they rejected my application on XX/XX/XXXX suspiciously 30 minutes after I mentioned that I submitted a complaint to the CFPB. The third time was on XX/XX/XXXX without reason. The same day they stated that they approved it.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MT)

We took out a construction loan to remodel our home back in XXXX of 2016. And through that process we paid off our loan with Nationstar Mortgage. It has been over a year and we have yet to receive the release documents for that loan, which by law are to be issued within 90 days of the lender having received the funds. We are now trying to obtain permanent financing and running into a delay due to the release documents not being issued and recorded.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (UT)

On  XXXX  I rented a car from the  XXXX  at the  XXXX   XXXX , IA airport. I signed for all of the collision damage, personal effects, supplemental liability insurance. That night while parked the car was side-swiped with some paint damage. When I took it back to  XXXX , they saw on my receipt that I had the insurance and waived me along. Months later I started receiving calls about collecting a debt for that. I faxed the receipt that showed my signature in the insurance box and thought that was done. Now, just within the last few months I have been receiving calls and letters from the  TSI d ebt collection agency demanding  XXXX . I have kept the  XXXX  receipt all these years, thank goodness, and sent images via email to them . Thusfar I hav e not heard a response. I am very upset about this situation and would like to know what I can do.     Thank you.    XXXX   XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports show one account in collections but the last payment date on the ORIGINAL account the collection agency bought was more than 7 years ago.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My right as a consumer is being violated according to " 15 usc 1681 a 2 ''. In Accordance with the Fair Credit Reporting act, Account Name : XXXX XXXX Account Number : XXXX... .has violated my rights, 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a car loan with XXXX XXXX XXXX XXXX and 2 large payments a few months apart XXXX to {$3000.00} and it showed it was delinquent and I didnt realize it would affect my monthly payment status so Im trying to have this removed from my credit port the loan was paid off early.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

Multiple Charges on bank account between XX/XX/2024 and XX/XX/2024 in total of {$5600.00}. Called Chase XX/XX/2024 and disputed the charges as I did not recognize them as a purchase I made. My debit card was cancelled, changed password and log in on chase website have set up two factor authentication. But, I have not heard anything from chase since even after calling for an update on the case or checking my secure messages section on their website. Reference # XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX of XXXX a few transactions have taken place that I had no knowledge of and also had no access to my card. I was sent a new card 2 days after I made my dispute. First time they denied my claim I was told to provide them via email with a police report in which I did. I was denied 4 times and with the same reason they keep telling me which is the chip card was used. Again I did not have access to physical card as I repeatedly use my XXXX XXXX. When I asked to send me their findings and reasons for the denial they send me an almost unreadable scan that basically states it was denied because the chip card was used. With the police report and my statement and repeated attempts to have them reconsider their decision they remain telling me their decision stands and they refuse to give me further detailed reasons that make them believe that this {$2700.00} transaction was approved by me. I also have a friend who used to work for capital one call center and she states she left that job because they were robbing and depriving people of their money when it was such large amounts. I feel as though I have been robbed twice, once by this fraudulent person or group and now by my bank. Here it is XX/XX/XXXX and I have been fighting for my money since XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

I first visited The USA in XXXX for education purposes. l applied for an SSN and got it. I stayed for a while and then returned to my country. Right now I have been living in The USA since XXXX. I am a US citizen. I visited the USA for vacation and trade purposes several times between XXXX and XXXX. But I never applied for any credit card, personal or student loan during this time. The current situation is I am being called and receiving mail Law firm about a debt. I have no idea what debt they are talking about. I do not know what I need to do. I received the first mail in XXXX from the Law office. Between XXXX and XXXX no one called me about this issue. Now They started calling me again. 
For your information
Consumer complaint received 2024-01-09
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)

This company is violating the FCRA by illegally reporting fraudulent accounts on my credit which were the result of identity theft. After numerous attempts and identity theft documentation was sent these companies continue to add these items on my credit report. The items were as follows ; XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. These credit reporting agency needs to permanently DELETE these items IMMEDIATELY and accounts from my reports, & block them from ever reporting again.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Just got a collection letter from portfolio recovery about an account that I have no knowledge of. And if it was opened by my ex-wife I had no ideal about it and never received any kind of bill, statement, acceptance, or physical card. If it was opened without my knowledge, it would have been closer or more than 10 year old. I thought there was a timeline in ky for debt and laws for fraud accounts. This says seller XXXXXXXX XXXX merchant XXXX. I have not responded yet and have not used any XXXX XXXX XXXX account especially XXXX  My father who passed last year often had our accounts mixed up in our credit reports due to having the same name. If only used major CC and only had a balance on one. So I need advise, if this somehow ends up on me even though I did not open this account, and if i dispute it could it cause a reset of time and staying on my credit report for another 10 years? I don't even recall this account on my credit report and have opened 1 credit card in over 10 year last year. Thank you.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XXXX and XX/XX/ I have reached out to all XXXX major credit bureaus demanding to send me proof of these certain account listed on the attachment that was uploaded. I have yet to hear back after numerous attempts. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( secton 6 0 4 in section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructons. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2024-01-09
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. (IL)

This is about 2 different accounts XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did a online request to opt out of both of the above accounts According to 15 usc 6801 thru 6805 The privacy act of 1974 16 cfr 313 7 ( f ) The very next day experian sent me a message saying the dispute was complete but they did not remove the two accounts from the credit report which is unlawful. They never made me aware that I could opt out at any time and when I tried to call experian about it either they are not taking consumer calls or the have block per my account information the option via the automated system to have a option to speak to a live person in other words there automated system won't give a option to speak to some live
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 — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA (IL)

The company initially responded saying that the merchandise was repossessed, and my account was delinquent, then after a second complaint, the company said that after investigation, the merchandise was recovered from XXXX XXXX and my account does not reflect being repossessed. The company did not provide any solutions or escalations of action in regard to reporting this to the credit agencies nor did they provide proof of investigation or proof of current account standing.