davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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. (FL)

I have initiated disputes for the listed items on my credit report, and I have serious doubts regarding the thoroughness of the investigation conducted by your company. Regrettably, the requested evidence to substantiate the account has not been provided, and the documents I submitted as proof of the inaccuracy of these items have seemingly been overlooked.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), your company is obligated by federal law to undertake physical verification of the original signed certified consumer contract for all accounts submitted for posting or reporting on a credit report. Given the absence of this essential verification, I insist that these accounts be promptly removed.

In light of the FCRA 's requirements, I kindly request the immediate deletion of these disputed accounts from my credit report, ensuring compliance with federal law.
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (NY)

The company XXXX XXXX has repeatedly called me on different phone numbers so every time that I block one phone number they call from a different phone number. I have already attempted to pay any debts with a debt consolidation and two of the companies refused any negotiation so I ended the debt consolidation.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

There are XXXX issues at play. 


1 ) My card was fraudulently charged in XXXX ( XXXX charges for XXXX rooms for XXXX night 's stay at a XXXX XXXX XXXX ). I opened up a fraud case with Capital One. 

Their rational to keep the charges was that the company " charged the card which served as an authorized charge ''. I did not sign, run the card, etc. And yet they are still charging and counting them as valid charges. 

2 ) I tried to resolve the above with XXXX XXXX XXXX. After he was unable to help, I tried to close my account and I was told it would be closed. It was not closed and it remained opened. Please review call logs. 

3 ) I finally closed my account with another agent a week later XXXX XXXX XXXX. He was able to close my account, but he only asked if I wanted to forgo my Rewards Balance. Not if I wanted it back, it could be mailed, etc. Only if I wanted to forgo it. This is unethical at best, illegal at worst. 

He was able to close my account ( hopefully ). I just got off the call with him. 



p.s. Capital One has since DELETED access to my statements to show you the fraudulent charges from XXXX
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 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. The following inquiries were also opened under my social security number fraudulently as well. 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 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelson Automotive Finance (OK)

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last reported in not accurate. This ground for removed they also violated my rights under 15 U.S.C1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states consumer reporting agency can not furnish account without my written instructions also the credit bureaus took more then 30 days to complete certified mail tracking #
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (PA)

This complaint is against XXXX XXXX XXXX the Make Believe Wells Fargo Executive Office whose number is XXXX XXXX XXXX. Because in reality theyre only Customer Service Representatives to whom works from a small cubicle and puts on false appearances. However XXXX XXXX continues to call and harass me despite her already knowing that theres a legal third party involved in which these play actors refuses to contact and what theyre stating is the contrary to what their legal representatives have presented. Now today during a conversation with a Wells Fargo Employee after I did my part in paying the first months mortgage of {$1000.00}. All of a sudden Im told on this evening that theres a Sheriff Sale Date on my residence. So in reality I was lied to and Im requesting that these Con Artist Executives stop calling me after already knowing that they had already sent out the letter. This is nothing but basic stupidity and racism because they thinks that XXXX are stupid, can not think for themselves. And theyve been sued by the City Of XXXX for their fraudulent activities towards minorities. And make note of the 3 attachments in which absolutely nothing has been done to this day to remove XXXX XXXX from this Mortage Title. To whom first committed fraud with the Mortage Note and forging the XXXX XXXX XXXXXXXX XXXX  Refinance Check in my name in which this fraudulent bank actually put XXXX as my last name on the check. Isnt That Fraud? Then during a recent conversation a white employee degraded me by indirectly stating that I may not complete the Loan Modification. Then why did they approve me for it? Smh
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION (ND)

I went to XXXX XXXX XXXX XXXXXXXX XXXX and they got me approved for a XXXX XXXX XXXX with XXXX miles and I could not get a price of the truck no matter how many times I asked until I got the paperwork signed and finished then I found out that it was costing me XXXX and that is with a XXXX down payment and I have been having problems with the truck since I got it and no one wants to do anything with it besides changing more money
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (GA)

I have talked to them on the phone regarding the car loan multiple times. They have called me multiple times a day. They call almost every single day. I blocked their number due to the constant calling. They have also called me 9 times in a matter of five days. If this continues, I will have no choice but to seek legal counsel. Considering they already have a lawsuit against them for similar issues.
Consumer complaint received 2024-06-11
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: EQUIFAX, INC. (LA)

My personal information was accessed by several unknown creditors with out my knowledge or authorization and this was done over a period of months. Once i found out my information was compromise in several data breaches i began requesting my reports and found out. I need assistance because the credit bureaus have yet to correct my reports
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

KIMBALL , TIREY & ST. JOHN LLP contacted me about a debt they are trying to collect which I don't owe, and I informed the debt collector the debt is not mine.I have requested more info about the debt and I never got any documents from them to prove it's belongs to me.
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2024, I opened an account with XXXXXXXX XXXX XXXXXXXX, serviced by Synchrony Bank. 
I am not sure when the first payment was due because I never received a bill, but on XX/XX/2024, a {$30.00} late fee was incurred because a payment had not been made on time. On XX/XX/2024, I made a {$200.00} payment to cover XXXX and XXXX. On XX/XX/2024, a {$30.00} returned payment fee was incurred. On XX/XX/2024, I called customer service, they stated I placed a stop payment with my credit union, which I did not, but the {$30.00} late payment fee would be removed. I called my credit union and was told no request for payment was ever received from Synchrony Bank. The issue, as it was explained to me, is at their end, my banking information needs to be erased and manually entered by them. ( This apparently happens often ) I phoned customer service, spoke with XXXX, she erased my banking information, and I was told to re-enter it on the website, which I did. 
XX/XX/XXXX, I re-entered my banking information and made another {$200.00} payment. On XX/XX/2024, I was charged another {$30.00} for a returned payment. My payment was returned again! I received a voicemail on XX/XX/2024, from Synchrony Bank requesting a call back, this prompted me to check my account, that is how I found out the payment had been returned again. I immediately called customer service, but now I am flagged as being delinquent, so I am diverted to collections. I finally got transferred to customer service, spoke with XXXX, and they don't even want to try to fix the issue on their end. Seems they would rather continue piling on the {$30.00} fees ( which is more than my interest, they are really raking in the big bucks with me, {$60.00} per month! ) They are getting a late fee and a returned payment fee, and the issue is caused by them. Is this racketeering?

I want my late fees and return payment fees reimbursed and the negative report on my credit reports removed. I also want the glitch in Synchrony 's online payment system to be fixed and stop blaming it on me!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

SOMEBODY HAS GOT TO DO SOMETHING ABOUT THESE XXXX CREDIT AGENCIES!!!!!!!!! 

My wife and I are moving for work, to help the XXXX economy, but of course, because we can't have our credit out there, at risk, with the scumbag credit agencies being careless with our information, we keep it frozen. 

Today we needed to lift those freezes -- XXXX people at XXXX agencies -- to work on preapproval for financing for a new home. We are SUPPOSED to be able to do this instantaneously online. We are SUPPOSED to be able to self-serve. 

So XXXX our shock to consult the little spreadsheet with all the usernames and passwords we only look at on occasions such as this, just to find that : XXXX ) In the time since we last logged in ( maybe 2019, when we bought vehicles? ), not only have ALL THREE of these pigfucking scumbag criminal outfits changed the names of the XXXX products they hide their LEGALLY XXXX MANDATED service behind so they're more difficult to find, but after we found the right pages : XXXX ) At least XXXX of them ( Transunion and XXXX ) have either changed or deleted our login information. We now don't have accounts? But also can't start new accounts with OUR OWN XXXX EMAIL ADDRESSES -- because they've been taken by other account holders? THOSE ACCOUNT HOLDERS ARE XXXX!!! THOSE ARE OLD ACCOUNTS!!!!! NOBODY ELSE HAS OUR XXXX XXXX EMAIL ADDRESSES!!! WE are the other account holders. THIS IS XXXX RIDICULOUS!!!!! WHAT THE XXXX ARE WE SUPPOSED TO DO ABOUT THIS!!! 

I called the XXXX at Transunion to express my displeasure. The subliterates have an even more imbecilic automated system that I can only believe willfully offers you incorrect answers to keep you from ever connecting to any of the morons who work for them. After I was disconnected twice by this system, I was finally sent a link by XXXX  to supposedly talk to a person, whereupon I was disconnected, and I also found that the link didn't lead anywhere except a XXXX page. 

Meanwhile, as we try to get back into our XXXX accounts, we have been told.. .for hours now.. .that " service is temporarily unavailable. '' This is beyond ridiculous. It is also illegal. We are entitled to legal recourse to manage how these XXXX criminals manage XXXX identifying information, and these degenerates are flauting the law and complying with neither the letter nor the spirit of the FCRA ( as. XXXX. USUAL!! ). Their systems have to be up and working. I am entitled to get a person to fix my account if THEY XXXX it up. This is the bare minimum I should be able to expect of them. 

These idiots are clearly going out of their way to impede the ability of customers to force them to perform the XXXX useful XXXX function they supposedly exist for. YOU will have to do something about them.
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

I REQUESTED A CXREDIT INCREASE ON A SYNCHRONY BAND CREDIT FOR XXXXXXXX XXXX. WHEN I REQUESTED THIS I WAS DENIED BUT THEN I LOOKED AT MY ACCOUNT COME TO FIND OUT I HAD A XXXX LINE OF CREDIT AND THEY REDUCED THAT DOWN TO XXXX MY CREDIT SCORE WAS MID XXXX NOW ITS MID XXXX BECAUSE IT DROPPED OVER XXXX POINTS BECAUSE OF THIS. I HAVE NEVER BEEN LATE WITH MY PAYMENTS, NEVER MISSED A PAYMENT NOTHING I EVEN PAY MORE THAN THE MINIMUM PAYMENT. I CALLED THE COMAPNY ALL I GOT WAS EXCUSES. I FEEL I TREATED VERY UNFAIRLY AND SOMETHING NEEDS TO BE DONE ABOUT THIS.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (FL)

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated or removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am writing to file a complaint against Capital One regarding the reporting of my business credit card, specifically the Capital One Spark Card, to my personal credit profile. 

I applied for the Capital One Spark Card for business purposes, and prior to applying, I thoroughly reviewed the terms and conditions as well as the frequently asked questions provided by Capital One. OnXXXX specific question that I paid close attention to spoke directly to why the application requires the business owner to include their personal information as follows : " Why do you need my personal information? '' it states : We need your personal information for two reasons. Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. As a result, your personal information is required and used for identification purposes. We use your personal information like social security number to pull your credit bureau data, which in turn is used with other information like annual income in processing your application. 

However, I have encountered an issue wherein the Capital One Spark Card, which is designated for business use, has begun reporting to my personal credit profile, and having a significant adverse impact on my personal credit profile and score. 

The language provided in the terms and conditions does not adequately address this issue. While it does mention authorization for the exchange of credit information between Capital One and its affiliates, it does not explicitly state that the business card will report to the personal credit profile of the cardholder. 

This is in stark contrast to the clear and conspicuous language found in the terms and conditions of my personal XXXX XXXX credit cards as an example. My personal credit cards explicitly state that by applying for the credit card account, " I agree to the reporting of information about the account to consumer reporting agencies ''. Such clarity is lacking in the terms and conditions of the Capital One Spark Card. 

This discrepancy has raised concerns for me as it affects my personal credit profile, which is separate from my business finances. I believe that Capital One 's failure to clearly communicate and disclose this aspect of the credit card agreement is misleading and deceptive. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Capital One rectifies this issue. Additionally, I request that Capital One review and revise its terms and conditions to provide clear and transparent information regarding the reporting of business credit cards to personal credit profiles. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

Our business account with PayPal was compromised in XXXX of XXXX by a person hacking into our account and charging out of state people, adding their own personal information and sending themselves thousands of dollars. We reached out and were provided a quick resolution by PayPal. We secured our account and made it more difficult for someone to do that again, but noticed XXXX XXXX our account was over {$3000.00} negative. We again reached out right away and were told they rescinded the decision from XXXX and it was in fact PayPal who removed our funds. No call, no letter, no communication and no ability for us to provide all of our proof that this was fraud from XXXX. The resolution page shows this most recent decision is in our favor, yet our account still negative and Im receiving debt collection calls daily from PayPal. From our social media post about this incident, we were reached out to by an PayPal employee that he would work on this and get back to us. Hes the only one thats been helpful and attempting to get this fixed. He told us wed have an answer around XX/XX/XXXX and we are still waiting. We can not keep our doors open with a negative balance and have had to close our XXXX XXXX We have had XXXX funds for one whole month and have gotten zero resolution from this case. The notes in the case closed section say in sellers favor however we are still unable to access funds and getting harassing calls daily! We both work other jobs and have had to take time off of work to deal with this, along with pain and suffering to XXXX XXXX  This must be fixed now.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC (TX)

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, Texas on the XXXX XXXX on XX/XX/XXXX. My contract was switched and signed and initialized in places people other than myself. I was promised, a XXXX yr extended warranty for free. I was charged for the warranty. Other documented fees and charges were to be removed but they were reinstated on my final contract. The final price was {$3500.00}. The altered price was XXXX. American Credit Acceptance assisted in the scam to defraud me in this contract
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX around XXXX I had reviewed a call from my bank stating that they saw suspicious transaction made in XXXX Arizona and they wanted to confirm that if that wasn't me and I told them it wasn't. They confirmed my address and wanted to confirm my card number and I did input my information falling for their scam call. At the end they told me that I would only be able to make purchases within the city I live for my safety. However, at the time they called, I was on my way to pick my boyfriend from work and once I had picked him up I received a message from my account stating my checking was below XXXX XXXX I login to my Chase Mobile app to see what it was about and it showed that I allegedly made multiple withdraws from an ATM machine, as well as a purchase from XXXX and a smoke shop nearby the same location from the ATM withdraws. I quickly called my bank and they were able to refund me the purchase for the smoke shop and XXXX. They also told me the location of which ATMs they withdraw the money and that they linked their XXXX XXXX to make those withdraws. The ATM machine the scammers used was for a local chase in my city. As time went on I have been waiting for the rest of my money and have called weekly for updates. Until yesterday, ( XX/XX/2023 ) I called in for another update and the information I received was that the claim I inputed had now been closed because the withdraws that had been made didn't show any errors based from my account, or the pin. And I believe it was because of their link from my bank account to their XXXX XXXX. So the information that was clearly given on that call on XX/XX/2023 was that they would not refund me my money because the bank believed that I made those transactions, which I clearly did not because I was on my way to picking up my boyfriend from work. I've also made a police report on the XXXX of XXXX to see if they could help me by the time by the officers told to to reach out once again if the bank refuses to give me my money.