davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

CAPITAL ONE violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. CAPITAL ONE has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided CAPITAL ONE two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. CAPITAL ONE also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. CAPITAL ONE has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, CAPITAL ONE failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to CAPITAL ONE a properly indorsed and endorsed note, giving it value, for CAPITAL ONE to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from CAPITAL ONE. CAPITAL ONE is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

SYNCHRONY BANK violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. SYNCHRONY BANK has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided SYNCHRONY BANK two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. SNYCHRONY BANK also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. SYNCHRONY BANK has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, SYNCHRONY BANK failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to SYNCHRONY BANK a properly indorsed and endorsed note, giving it value, for SYNCHRONY BANK to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from SYNCHRONY BANK. SYNCHRONY BANK is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

The rental/leasing along with the XXXX XXXX are falsely added to the collections agency without my prior knowledge. 
The previous head XXXX of XXXX XXXX ( landlord ) was aware at that time I was a foreign without any knowledge of what where my rights as a tenant. We had encountered a lot of problems with the unit, and as well as harassment towards my pregnant wife by the staff. It was presented to the XXXX requesting to address the matter, she was aware of my lack of knowledge of rights and abuse her power. She alleged to terminate my leasing contract I was required to pay a penalty fee in cash. Without knowing at that time, it was incorrect, I immediately acted to pay the requested amount and left the unit since it was uninhabitable. 
After a month or so, I received a notice that collection was added. I was so confused and started to dig in and encounter that XXXX XXXX took derelictions of her duty. She discriminated, lied, and act XXXX toward us. So I contact the collection agency National Credit System and they ensured me to provide me all the corresponding proofs of debt as a matter of requirements fulfillment, that never happened. After XXXX years I had to contact them because a background check was running on my name and this collection debt was pop up. I request them to remove my account since it was inaccurate and request them to send me the proofs of accuracy, they never provide anything, even I did raise a dispute but it was never answered either. 
Also they suggested me to contact the landlord to clarify the situation but the new landlord XXXX ( XXXX XXXX ) mentioned that the former XXXX  XXXX was fired due to a lot of inconsistencies and inadequate behavior such as power abuse and other sever issues.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CO)

XXXX XXXX XXXX, I reported my card stolen/lost. 
A new card was issued but never received by me. 
In XXXX XXXX XXXX, I started seeing charges to my card. 
This company does not have a mobile app or way to notify you of late fees. 
So at the end of XX/XX/XXXX, I saw a late/missed payment on my credit card. 
I notified the First Progress of this and they started a fraud investigation. 
On XX/XX/XXXX, the charges were removed but their late fees and interest was not. 
I called & asked why and they stated they would be removed in 30 days as another department had to do that. 

On XX/XX/XXXX, I called and asked why the fees were not removed and why was the late fees still showing up on my credit report, the bank stated I would need to start another investigation to remove the late fees. 

They showed me the card members agreement that stated as such on page 10 but the rep refused to answer the bottom half of the agreement on Page 10 that states I would not be assessed any fees or penalties during the investigation, as well at the the bottom half of it that states all fees, interest, and charges would be removed after completion of the investigation. 

So the late payments are still showing up on my report and the late fees plus interest for those fees are still on my account unless I start another investigation that may take up to 90 days to close.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capitol One Auto has reported my account since last year XXXX as a charge off and my account had not and has not been charged off. For the months of XXXX, XXXX and XXXX, they reported my account as a charge off. Even though I am trying to catch up on my payments, it was still reported as charge off. I spoke with Capitol One about the incorrect reporting and was informed by an agent that customers had been calling in about the incorrect reporting and that they were trying to fix it but wasnt sure why it had happened to a number of people. As of today XX/XX/XXXX, the charge off is still showing on all the credit bureaus from Capitol One reporting it as charged off.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a SSA-89 form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXXXXXX XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX, XXXX acct XXXX {$6000.00} open XXXX, XXXX  Acct XXXX  {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents
Consumer complaint received 2024-02-28
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. (MS)

I am writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a XXXX form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXX, XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX  XXXX {$200.00} open XXXX, XXXX XXXX  XXXX {$6000.00} open XXXX, XXXX XXXX  XXXX {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I have disputed this account numerous times with all 3 credit reporting angencies and the creditor. Creditor agrees the account is not valid. I do not owe this nor should this be reporting to my credit. Credit collector will not remove or return my calls. They can not verify the debt is accurate or provide up to date information from creditor verifying debt.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (IN)

I purchased a home using XXXX XXXX XXXX XXXX, short time after I was put on various military orders, I turned in copies of the orders for SCRA protection, the government shut down and I was not paid in a timely manner, so I requested Hardship assistance. I turned in the documentation and they would send me a letter saying it would take 30 days to make a determination, at day 28 they would say that my documentation I provided was not current and I would have to turn the documentation in again with up-to-date documents. I did this 4 times, during that time I was not serving in the state in which I reside and purchased my home. I submitted a copy of my marriage certificate, a copy of the Power of Attorney for my then husband to make payments on my behalf. They refused to allow him to make payments on my behalf. This made the payments further behind as I was 12-hour difference in time. When I returned state-side I tried to make numerous payments, but they said that it had entered pre-foreclosure and that I would have to pay the amount in full and they would not accept partial payments. I sent the payments certified by my bank. They would then mail me a check back for each and every payment I made. I did a short sale on this property for XXXX when the balance that was owed was XXXX. The mortgage was sold to Freedom Mortage Group during this time, and they charged property preservation fees, property inspection fees, Corporate Advance fees totaling, XXXX per diem interest all of which totaled a little over XXXX. When they put the property into foreclosure is when I found out that there was a medical debt lien on the property and included XXXX XXXX XXXX on the foreclosure paperwork. When I closed on the property, I was given a check for XXXX dollars as well as a 1099-C saying that some of the debt was forgiven, but I believe that this company not only violated my SCRA rights, but illegally started foreclosure, added illegal erroneous fees to make a profit, and used a debt collection attorney and lied to the court in which they filed the documentation. They stated they used the courts system to check if I was military, but yet both XXXX XXXX and Freedom Mortage, were well aware of my active status by me informing them with my orders to XXXX XXXX status.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (PA)

Survivor communicated to Reporting Agency that there were adverse items appearing on his profile. The company failed to remove the adverse information. - [ ] The Bureau did not propose to prescribe what an adverse item of information in a consumer report is, because it may vary depending on the weight each individual user of a consumer report gives to certain items of information as well as the consumers individual circumstances. The Bureau stated this information could include the evaluation of factors enumerated in section 603 ( d ) of the FCRA on consumer reports such as : credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 1022.142 Prohibition On Inclusion Of Adverse Information In Consumer Reporting In Cases Of Human Trafficking As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from trafficking.

- [ ] As explained in the section-by-section analysis of 1022.142 ( f ) below, the final rule requires a consumer reporting agency to provide written or electronic notice to the consumer within five days of reaching a final determination on a submission. The Bureau is implementing a multi- step process that a consumer reporting agency must follow when it receives a submission under 1022.142 ( d ) ( 1 ). First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has four business days from receipt of the consumers submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

XX/XX/year> I browse website for creditor and loan information. For social security number entry on site ; the database has a illiterate version of name associated to social security number name of English ( US ) abbreviation rule desginate 3 characters first name than prepared on web browser it returns 6 to 8 character first name instead of 3 characters with valid identity. My name is hacked.
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

XXXX did not reach out to me at the correct address or via online communication that I have debt owed. The only way I discovered I had {$52.00} still owned on my Insurance is that it showed up on my Credit Report XXXXXXXX XXXX. When I discovered this, I immediately reached out to my Insurance Agent who works with XXXX as she had handled all my insurance policies directly. It took XXXX 2 months to confirm the payment and how to pay. I have full documentation on this. 

I never received a request for payment for this amount. I paid the charge with XXXX immediately once I received information on how to pay. I never received a communication from the credit collectors that this was owed as well before it showed up on my credit report. 

It is still not removed from my credit report impacting my score of over XXXX points and it not allowing me to get a home mortgage.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO. (NY)

I was in a foreberance plan with CHASE eff XXXX which was scheduled to end XX/XX/24. The payment plan was reduced from {$2900.00} to {$100.00} during these months. I was told via the forebearance dept by CHASE ( see attached docs ) however the Relationship Manager at XXXX XXXX XXXX XXXX XXXX, that a modification will occur towards the end of the forebearance. All payments for the amount of {$100.00} were made and drafted from bank account - HOWEVER ARE NO LONGER REFLECTED AT CHASE 'S PAYMENT ACTIVITY. 
CHASE LOAN # XXXX My loan was transferred to XXXX XXXX on XXXX HOWEVER THERE WAS NO INFORMATION REGARDNG MY FOREBERANCE PLAN AND REQUEST TO EXIT FOREBEARANCE AND MODIFY LOAN WAS SENT TO XXXX FROM CHASE. 
LOAN # XXXX I believe Chase conducted predatory and nefarious practices, in an attempt to push foreclosure with my home. 
I have all paper correspondence from CHASE regarding my above statements. 
Thank you
Consumer complaint received 2024-02-12
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: CITIBANK, N.A. (OH)

long long long process : 17 was STOLEN from my card. it was FRAUD. while Citibank examined this fraud, they told me NOT to pay the card. I did not. THEY INSTEAD PENALIZED ME FOR LATE FEES and REFUSED TO TELL ME THE BALANCE on what I purchased. THey reportred me to all XXXX credit bureaus. 

I AM PAYING NOW : 1. my balance LESS the late fee because they told me to NOT pay the card while it was being investibated for FRAUD for XXXX THey need to : REMOVE my name from XXXX, XXXX XXXX and the other crediit organization because they made my credit go from XXXX to XXXX I called htem, wrote to them, wrote to their exec team, complained to XXXX XXXX involved my lawyer XXXX XXXX XXXX These people are absolutely disorganized. happy to provide all XXXX plus correspondence. 
THey need to CLOSE MY CARD wh ich I have asked over and over and over and over again. are they just plain STUPID
Consumer complaint received 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Website is completely un-usable to get information or process information relating to my credit report and score. Unable to Free Credit Report. When trying to access Credit Report the page just spins and spins. Attempted to connect from multipe locations and multiple machines with no change. 

There is a high number of errors present on this credit report that do not exist on any other report. Including 30 Day late charges on accounts that had XXXX balances. Attempting to work with their support did not lead to any resolution.
Consumer complaint received 2023-12-27
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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.