davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (NC)

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 2023-04-11
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I made two payments for two different Capital One accounts using my XXXX account to make the payments. Only one of the payments of {$200.00} was applied to my Walmart/Capital One card. The other {$200.00} payment was rejected because the letter sent to me from Capital One stated that unfortunately my payment in the amount of {$200.00} posted on XX/XX/XXXX was returned by my financial institution because of an invalid account number and that " we have debited your capital one account for this returned payment. I used the same account for both payments and I didn't authorize Capital One to debit my account after sending in a payment. I called and was given the runaround by 3 different CSRs with nothing resolved. One young lady acted like she couldn't barely speak any English and kept me on the phone for almost 2 hours continuously stating that she would file a report. No report was filed and when I called back, the CSR acted like he knew nothing about a previous phone call. To make matters worse in XXXX, I didn't receive a bill/statement for XXXX, so on XX/XX/XXXX I sent in money orders to pay both my accounts. Both money orders were for {$200.00} one for my Capital One Walmart and my Capital One Platinum card. I called on the XX/XX/XXXX because that's my due date. I was told by CSR XXXX that the payment for the Capital One Walmart card was there but there was no payment for the Capital One Platimun card. I stated that i sent them both on the same day and that I wanted to speak to a supervisor. I was then transferred to CSR XXXX  who acted like she didn't know what a money order was and when did I order the money?? I asked to speak to a supervisor and was transferred to XXXX who stated that the other {$200.00} money order had arrived on the XXXX and that it would take 5 day for it to process because it wasn't sent in the courtesy envelope. this behavior is unacceptable and should be addressed. MY plan is to pay off these cards and not deal with Capital one anymore
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

This company is reporting that I have an open collection stating that it was open XX/XX/2022. I have asked for proof that I agreed to any said account or proof that I am the owner but have not received any proof. This is a violation of the FCRA RULES AND IS ILLEGAL AS TO THE FACT THAT U CAN NOT REPORT A COLLECTION WITHOUT PROOF OF OWNER. This account does not belong to me and should be removed as to it is damaging my personal information.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MS)

I purchased a indoor security camera from Sams Club online and it was " defective '' ( did not work, would not connect to WiFi ). So I spoke with a rep and I returned the merchandise via XXXX XXXX as required, and they still have not credited my Sams Club credit card for the amount of {$100.00} as of todays date, XX/XX/2022. ( see attachments ) of chat with a Sams Club representative and other pertinent information regarding the purchase of the merchandise. I provided proof of delivery return ( see attachment ( XXXX ). I want the refund " Due me ''.
Consumer complaint received 2023-12-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (IN)

Actually the problem is that this debt is in excess of XXXX XXXX XXXX. It was with XXXX XXXX and the debt was put on my account by my grown son without my permission. The debt was around {$1200.00}. Until recently I have not been contacted for about XXXX years. Now they are sending me letters, email messages and calling my cell phone. I am XXXX XXXX XXXX and have been on XXXX XXXXXXXX since 1994. I have not responded because I understand if you do, the debt can become active again. I didnt want that to happen. Please advise on what I should do to get them to leave me alone.
Consumer complaint received 2023-10-23
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. (TX)

In accordance with the fair Credit Reporting Act XXXX  XXXX, XXXX XXXX XXXX and XXXX Resource 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.

Section2. It also States consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank accepted an accurate credit card application from me, with my legal name and address correctly presented on the application. Chase Bank approved my credit card application. Thereafter, Chase Bank issued a credit card to me with my name misspelled and an incorrect mailing address. I have spent more than two months trying to get Chase Bank to correct THEIR errors. My husband and I have many accounts with Chase Bank, all of which have our names spelled correctly ( matching our government-issued ID 's ) and our correct mailing address on them. My nam hasn't changed since I got married 45 years ago. My address hasn't changed in more than 3 years. After several weeks of fighting with Chase Bank, they corrected my mailing address. Then, they forced me to complete a Legal Name Change Form and give them a copy of my passport. I did everything Chase Bank demanded. Finally, they corrected the name on my credit card. But, they sent the corrected credit card to the erroneous address, effectively nullifying all the work I did previously to get my address fixed! Now, they have altered my husband 's Chase Bank credit card mailing address also, putting an erroneous address on HIS account also! None of these changes were initiated by me or my husband. The misspelled name and the erroneous address data originated at Chase Bank and despite meeting with a personal banker three times at a local branch, and supplying evidence of Chase Bank 's persisting errors, we can not get Chase Bank to fix their errors. We fear this problem may have an adverse impact on our credit, as Chase Bank may report an erroneous address for us to a credit reporting agency. Further, we are not getting our mailed statements timely, due to the wrong address on our bills.
Consumer complaint received 2023-08-15
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (KY)

My loan was originally put on deferment surrounding my parents bankruptcy. During this time my account was inaccessible and all payments and interest were halted. I called to try and regain access to my online account but was denied.

After the bankruptcy cleared I was never notified interest and payments had re-commenced. I was in no way notified or informed of payments resuming prior to seeing a negative impact on my credit score. I have since made all payments on time and the account balance will be at {$0.00} as of the end of next month ( XX/XX/2023, well ahead of schedule ). 

Despite this upstanding record of payments and a total failure to communicate that payments had re-commenced Sallie Mae has refused to remove this wrongful late payment strike from my credit report. They have made arbitration impossible as they refuse to communicate directly.
Consumer complaint received 2023-05-10
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted. 
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 XXXX
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: 1st Franklin Financial Corporation (GA)

I, XXXX XXXX XXXX received a bill in my mail at address located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX on XX/XX/XXXX  from 1st Franklin Financial for a loan that was allegedly taken out via cashing of a mail check in the amount of XXXX on XX/XX/23. Upon reviewing this bill, I realized that I have never and would never cash a check from said company. The following day I went down in person to the local branch of said company located at XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX and spoke with two employees regarding the fraudulent charge. An employee there provided me with a copy of the check that was cashed in my name on XX/XX/XXXX  in an account with XXXX XXXX XXXX XXXX via mobile deposit. I have never had an account with said bank. The number on said check was XXXX. The signature on the back of the check was forged, and an un readable signature was written beside my name. The phone number on file both on the check and in 1st Franklin Financials system as provided by both employees was that of XXXX matching neither my personal or work phone number or any associates or relatives of myself. Also included on the back of the fraudulent check was the first three of a Social Security Number of XXXX, again not matching myself or any known associates or relatives. After gathering this information I then proceeded directly to the XXXX XXXX Sheriffs Office to file a police report for fraud and forgery. I spoke with XXXX XXXX ( XXXX XXXX XXXX ) and filed a complete police report under forgery and fraud. The case number provided was XXXX. XXXX XXXX advised me that I cold pick up an official copy of the full report within 3 to 5 business days from the date the report was filed on XX/XX/23. I then returned to the office of 1st Franklin financial located at the address mentioned previously, and spoke with the same employee and provided a copy of drivers license and the pamphlet with the officers name and case number provided to me by the Sheriff. Employee took copies of information. I was then advised that once the official police report was made available to bring it back along with a copy of signature to be provided to the fraud department of 1st Franklin Financial. I agreed and will return with information as soon as available. I then reached out to the fraud hotline of XXXX XXXX XXXX XXXX at XXXX. I spoke with the agent over the phone who located that check and opened a fraud claim. The agent advised me that I would receive mail correspondence in 3 to 5 business days. From there I was advised to file with the CFPB as was done on XX/XX/23.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

As a victim of the Capital One data breach where my information was compromised, I was initially offered free credit report monitoring through XXXX  by Capital One as a remedial measure. However, Capital One abruptly ceased this credit monitoring service without any notice, subsequently transmitting my sensitive information to my employer. This breach of my privacy and their failure to uphold their commitment to safeguarding my credit information showcases a severe lapse in their responsibility. It's deeply concerning that Capital One seems to disregard legal obligations and lacks accountability. Regrettably, I find myself in a situation where seeking resolution for these concerns feels challenging and seemingly without viable options.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried numerous times over the past year to get a copy of my ONLINE credit report from Transunion using their website. Also, I have tried numerous times to submit ONLINE disputes using their websites. Regardless of the web browser, when I go to submit a request for a credit report or to submit a dispute, the website doesn't provide any way to continue the request for the credit report or submitting the dispute. Furthermore, when I called them to request a ONLINE copy of my credit report, the representative informed me that I would have to wait for it to be mailed to me. In today 's electronic age, consumer 's should be able to take care of both of these items online. XXXX and XXXX offer credit reports and disputes online along with the ability to upload documents. Why doesn't Transunion offer these services online??? It seems to me that Transunion is forcing consumers to take outdated and arduous steps to see their credit reports and/or to submit disputes in hopes that they become discouraged and abandon the requests thus saving Transunion money and time by not having or meet the needs of the consumers.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CT)

On XX/XX/XXXX I made a XXXX XXXX XXXX XXXX Credit Card Payment in the amount of {$300.00} at XXXX XXXX XXXX # XXXX Operator ID : XXXX. The amount I paid for the XXXX XXXX was {$8.00} for next business day payment. XXXX XXXX was suppose the get the funds next business day. On XX/XX/XXXX I received another credit card statement stating that I made the payment late and that I'm being assessed a late payment fee of {$27.00} and interest of {$5.00}. I called XXXX XXXX on XX/XX/XXXX talked with XXXX Operator ID XXXX @ XXXX and he stated that the funds sent out XXXX on XXXX XXXX XXXX did not accept the payment until XXXX and posted the funds on the account XX/XX/XXXX, therefor causing my final credit card payment late. XXXX refuses to reverse the late payments and I have evidence that the dates don't coincide to when that payment was made. XXXX XXXX is aware as so as XXXX.
Consumer complaint received 2023-12-17
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: LEXISNEXIS (WV)

I file this complaint to compel LexisNexis to honor my request to opt out of XXXXXXXX XXXX promotional lists. According to the attached letter dated XX/XX/2023, I failed to submit my date of birth and social security number with my request. Quite frankly, this is a false assertion. It seems that LexisNexis and XXXX XXXX XXXX would rather continue to make money selling my personal information while knowing full well that I have been the victim of identity theft. That is honestly disgusting. I have attached my drivers license, birth certificate, social security card, passport and a recent cell phone bill. Although it should be unnecessary to do, I have also attached the ID Theft Report I filed with the Federal Trade Commission to refresh LexisNexis ' recollection of the theft of my identity. I have stated this fact to LexisNexis many times, including in prior CFPB complaints. I expect my opt-out request to be honored forthwith. My XXXX XXXX XXXX is XXXX.
Consumer complaint received 2023-12-16
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: TekCollect Inc. (TX)

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and the last date reported. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed within 21 days. Please see the attached dispute letter which is dated and time stamped and remove this account from my credit report.
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

XX/XX/XXXX my car was repossessed for my financial institution by 2 unaffiliated third parties. I had no prior knowledge of these companies until I called to cure the defaulted balance. This company violated my privacy rights by not clearly and conspicuously informing me that my personal information would be disclosed to third parties at the signing of contract or before repossession 15 usc 6802 ( B ) 15 usc 6803. I never received any information on how to exercise my right to not have my personal info disclosed. At the signing of contract XX/XX/XXXX I did give my financial institution permission to access my gps for repossession, however I did not give them permission to share that information. My vehicle was not repossessed at the address my institution has on file. XX/XX/XXXX I called my financial institution and spoke with 3 representatives that informed me that my financial institution hired a third party that hired a third party to come repossess my car. XX/XX/XXXX I called to get the information from my institution on the company that physically had my car and the institution could not release that information to me until I verified who the company was first. The 4th representative did release my car to be redeemed after I explained to her all that was going on. XX/XX/XXXX was the day I had to redeem my vehicle before sold, my financial institution gave permission to the repossession company on XX/XX/XXXX to break into the car and remove my personal items. XX/XX/XXXX after redeeming car I notice all my personal items were not returned to me, including the screws to put tag on the back of car. I was charged {$75.00} + {$10.00} each day my car was held. My financial institution created a debt on my behalf, and forced me to do business with companies I was not comfortable with. My financial institution only wanted to collect the money I owed them, but in order to get info on car location and the company who has it I had to go through the company my FI hired. In order to get that info from the 3rd party I had to verify my personal information, which they had to already have in order to confirm what I provided was accurate. 18 usc 894 my financial institution along with participating 3rd parties conspired, punished, and stole from me.
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

My name is XXXX XXXX I got a letter in from yall today saying I own a debit to XXXX for {$300.00} I need to dispute the full amount as not valid and not the right amount Reference our account number is XXXX.
Consumer complaint received 2023-12-16
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. (SC)

All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX  joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!